Condo Insurance in Florida (HO-6 policies) Built for Vero Beach Living

Protect Your Condo with HO-6 Insurance

Condo insurance for Florida unit owners—clarity for what’s yours.

Condo associations insure buildings and common areas, but your responsibility begins “walls-in.” Complete Trust Insurance helps Vero Beach owners—from Central Beach to Indian River Shores—choose HO-6 coverage that fits the unit, the bylaws, and coastal realities. We’ll review your HOA master policy, explain gaps, and recommend options like flood insurance for ground-floor or lagoon-adjacent units on Royal Palm Pointe.

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Master Policy vs. Unit Policy

Know What the HOA Covers—and What You Must Insure.

Master policies often insure the roof, exterior, hallways, elevators, and amenities. Your HO-6 handles interiors, belongings, and personal liability. Every association is different; Complete Trust Insurance will compare your declarations and bylaws to ensure your policy matches the master form (bare walls, single-entity, or all-in).

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What Condo Insurance Covers

Coverage That Fits Your Unit, Your Belongings, and Your Lifestyle.

An HO-6 policy typically includes:


  • Interior structure (walls-in): finishes like flooring, cabinets, built-ins, and fixtures
  • Personal property: furniture, clothing, electronics—on and off premises
  • Personal liability: incidents in your unit or caused by your actions
  • Loss of use: temporary living expenses if your condo is uninhabitable
  • Loss assessment: your share of covered HOA assessments after a claim


For jewelry, art, or collectibles beyond standard limits, we can schedule items or recommend valuable items insurance.

Florida Condo Considerations

Hurricanes, Wind Deductibles, and Coastal Exposures.

Many Florida master policies include separate hurricane or windstorm deductibles. Your HO-6 can complement those terms and help with assessments when allowed. If your building sits near the Indian River Lagoon or along A1A, consider adding flood coverage—standard condo and HO-6 policies do not cover rising water.

Personal Property & Upgrades

Protect the Finishes That Make Your Place Feel Like Home.

Upgrades and renovations—stone counters, custom closets, new flooring—may exceed default coverage. We’ll right-size your limits and endorsements, and, when needed, guide you toward valuable items insurance for high-value pieces kept in the unit.

Discounts & Bundles

Save More When You Bundle and Build Resilience.

Alarm systems, sprinkler credits, and claims-free history can lower premiums. Many clients also save by bundling condo and auto insurance with the same carrier—helpful for year-round residents and seasonal owners alike.

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Why Choose Us

Local Condo Expertise, Statewide Carrier Access.

From oceanfront towers to boutique buildings near South Beach Park, Complete Trust Insurance understands HOA nuances on the Treasure Coast. Our access to multiple Florida carriers helps us place coverage for coastal condos other agencies might pass on.

Frequently Asked Questions

Answers to Popular HO-6 Questions in Vero Beach.

  • Do I need condo insurance if my HOA already has a master policy?

    Yes. The master policy covers the building and common areas. Your HO-6 covers your unit interior, belongings, personal liability, loss of use, and loss assessments as applicable.

  • What’s the difference between “walls-in” coverage and the master policy?

    “Walls-in” protects finishes and fixtures inside your unit (like cabinets and flooring). The master policy usually covers the exterior shell and shared spaces. We’ll review your bylaws to confirm.

  • Does condo insurance cover water damage from an upstairs unit?

    It can, depending on cause and policy terms. Your HO-6 may help with your interior and contents; liability could involve another unit owner or the association. We’ll help you navigate the claim.

  • Is flood coverage included in an HO-6?

    No. Flood is excluded and requires a separate policy. Ground-floor and waterfront units in Vero Beach should strongly consider it.

  • What is loss assessment coverage?

    It helps pay your share of certain covered assessments the HOA charges unit owners after a claim (subject to policy terms and limits).

  • Can I insure upgrades and renovations?

    Yes. Betterments and improvements can be added to your HO-6 so custom finishes are properly insured.