What does an HO-6 policy cover versus the condo master policy?

Florida Statutes §718.111(11) describes the property coverage a condominium association must maintain and identifies unit items excluded from that required association coverage, including floor, wall, and ceiling coverings; electrical fixtures; appliances; water heaters; water filters; built-in cabinets and countertops; and window treatments. Read Florida Statutes §718.111(11) ↗

That general allocation is not a claim decision. Inspect the current master-policy declarations, forms, endorsements, deductibles, exclusions, and effective dates, then ask the insurer to apply them to the particular facts.

Florida DFS describes a unit-owner form as primarily covering personal property and personal liability, with some coverage for the structure, subject to the policy. Review the Florida DFS homeowners overview ↗

The policy itself controls its covered property, causes of loss, limits, deductibles, endorsements, exclusions, additional living expense, and any loss-assessment coverage. A licensed insurance professional should map the unit and requested protection to the current form.

Florida’s statute excludes specified items from required association property coverage, but ownership, maintenance responsibility, and insurance are separate questions. Cabinets, countertops, appliances, fixtures, improvements, floor coverings, and personal property require comparison across the statute, declaration, and both policies. Check the statutory allocation ↗

A certificate alone may not show every relevant term. Preserve the full forms, endorsements, declarations, effective dates, and written answers from the insurance professional.

Florida law permits association property policies to include deductibles and addresses how the association allocates certain deductible and uninsured-loss costs, subject to the statute and condominium documents. Read the condominium insurance statute ↗

An HO-6 policy does not automatically pay a unit owner’s share. Any loss-assessment response depends on that form’s covered cause, limit, deductible, and exclusions. Use the master-policy deductible guide for the sale and lender review.

1. Obtain the master policy, HO-6 form, endorsements, declarations, and condominium declaration.
2. Ask the licensed insurance professional to map important property and requested protection to the current forms.
3. Ask the lender to confirm its own insurance requirements.
4. Preserve written answers and effective dates.

See the documents that shape a property-specific insurance quote, use the condo document checklist, return to the buyer hub, or contact Alexandra to organize the records. Alexandra does not quote, bind, or interpret insurance.