Best HO-6 Condo Insurance in Florida
- Cypress has the best overall HO-6 condo insurance in Florida.
- Citizens and Liberty Mutual are the cheapest, but Citizens is only for those who can’t find reasonable coverage elsewhere.
- Rates can vary by $1,000+ per year, based on the company, your hurricane risk and other factors, so comparing quotes is key to saving money.
Cheapest condo insurance in Florida
Citizens has the cheapest HO-6 condo insurance in Florida. Its rates average $1,172 a year, which is 41% lower than the state average. However, only customers who can’t find regular coverage on the market qualify for Citizens.
Liberty Mutual is the next-cheapest option at $1,537 a year, which is 22% lower than the state average. Some companies charge more than $1,800 annually, based on data from the Florida Office of Insurance Regulation (FLOIR).
| Company | Annual rate | Monthly rate | |
|---|---|---|---|
 | Citizens | $1,172 | $98 |
 | Liberty Mutual | $1,537 | $128 |
 | Amica | $1,818 | $152 |
 | Cypress | $1,825 | $152 |
 | Allstate | $2,166 | $180 |
Florida condo insurance costs are heavily influenced by hurricane risk, which is why some insurers charge significantly more than others.
Best condo insurance in Florida
Cypress and Liberty Mutual are among the best HO-6 condo insurance companies in Florida, offering a balance of pricing, coverage and service.
Kin stands out as a digital-first option, while USAA is a top choice for military members and their families.
Citizens is Florida’s insurer of last resort, meaning it will only provide insurance coverage to high-risk properties when private companies are too expensive or unavailable.
| Category | Company | Annual rate | Complaint rating* |
|---|---|---|---|
| Best overall company | Cypress | $1,825 | 0.4 |
| Best rates for most | Liberty Mutual | $1,537 | 0.7 |
| Best fallback | Citizens | $1,172 | 0.7 |
| Best insurtech | Kin | Not available | 0.7 |
| Best for military | USAA | Not available | 0.5 |
Florida’s best overall condo insurance company: Cypress
Why we picked it: Cypress combines competitive pricing with strong customer satisfaction in Florida. Cypress’s rates are 41% lower than the state average, and it offers several discounts including:
- Seniors and retirees
- Homes in secured communities
- Condo units with hurricane-resistant windows and roofs
- Homes with fire suppression sprinklers
Watch out for: Cypress doesn’t offer instant quotes online, but it does offer an agent locator.
Best HO-6 condo insurance rates in Florida: Liberty Mutual
Why we picked it: Liberty Mutual offers lower-than-average rates while still providing flexible, customizable condo insurance coverage.
- Customizable coverage with optional add-ons
- Bundling discounts available for condo and auto policies
Watch out for: Liberty Mutual’s rates can vary by a few hundred dollars depending on the type of policy and coverage you get.
Florida’s best fallback choice for condo insurance: Citizens
Why we picked it: Citizens offers attractive features and rates for Florida condo owners who meet the state-run company’s eligibility requirements.
- Available if other insurers won’t accept your application or if their cheapest rate is at least 20% higher than what Citizens can offer
- Offered through roughly 4,500 authorized Florida insurance agencies, including well-known companies like State Farm
Watch out for: Coverage eligibility rules can restrict who qualifies. You’ll need to work with an agent to get a quote or determine eligibility.
Florida’s best insurtech company for condo insurance: Kin
Why we picked it: Kin uses advanced technology to provide reliable condo insurance at reasonable rates.
- Discounts for hurricane-resistant roofs or windows and home security
- Easy online and phone quotes
Watch out for: Kin’s rates aren’t publicly available from the state.
Best condo insurance for Florida’s military families: USAA
Why we picked it: USAA has a well-earned reputation for combining low rates with high-quality customer service.
- Top-rated customer satisfaction (J.D. Power)
- Easy online and phone quotes
Watch out for: Only available to military members, veterans and their families. USAA’s rates aren’t publicly available from the state.
Condo insurance isn’t required by law, but your lender will require you to get HO-6 condo insurance if you finance your condo with a mortgage. Many homeowners associations (HOAs) also require condo insurance in Florida, regardless of your mortgage status.
Even if you don’t have to for a mortgage or HOA, condo insurance is still usually worth getting because it protects your investment in your unit
How much is HO-6 condo insurance in Florida?
The average cost of HO-6 condo insurance in Florida is $1,982 a year, or about $165 a month. But prices can vary widely depending on where you live and the coverage you choose.
The actual price you pay depends on factors such as:
- The amount of coverage you need
- The age and construction features of your unit and complex
- Neighborhood risk factors like crime and severe weather
- Your credit and insurance history
Florida condo insurance tends to cost more in areas with the most exposure to powerful coastal storms.
For example, condo insurance only costs an average of $1,353 a year in Duval County, which is north of the area most exposed to hurricanes. This compares with $2,538 a year in Miami-Dade County, which tends to face more extreme weather.
Florida condo insurance costs by county
| County | Annual rate | Monthly rate |
|---|---|---|
| Broward | $1,846 | $154 |
| Duval | $1,353 | $113 |
| Hillsborough | $1,652 | $138 |
| Miami-Dade | $2,538 | $211 |
| Orange | $1,472 | $123 |
| Palm Beach | $2,293 | $191 |
| Pinellas | $1,572 | $131 |
Nationally, condo insurance averages are generally far less than in Florida, where hurricane risk pushes prices significantly higher.
See LendingTree’s full guide on the average cost of condo insurance across all 50 states.
What does HO-6 condo insurance cover in Florida?
HO-6 condo insurance in Florida covers damage to your unit, your belongings and injuries to others, along with additional expenses if you can’t live in your home after a covered loss.
It mainly covers what’s inside your unit, while your HOA’s policy usually covers the building itself.
| Coverage | What it covers |
|---|---|
| Dwelling or building property | Built-in fixtures and appliances, including cabinets, HVACs and water heaters |
| Personal property | Your stuff, including furniture, clothing and plug-in appliances such as your refrigerator |
| Loss of use | Temporary living expenses if your unit is uninhabitable |
| Personal liability | Injuries or damage you accidentally cause to others, at home or anywhere else |
| Guest medical payments | Medical expenses for injured guests, regardless of fault |
| Loss assessment | HOA fees for damage to shared buildings or common areas |
HOAs typically have master insurance policies that cover shared building structures, like the roof, and common areas of a condominium complex, like lobbies and elevators. Unfortunately, these policies do not cover your possessions or guests injured inside your unit.
Most HOA policies cover damage outside your unit’s walls. However, some HOAs have all-in master policies, which also cover damage to wall and floor coverings, built-in appliances, cabinets and other fixtures inside your unit, but not personal belongings.
How much condo insurance do I need in Florida?
The amount of condo insurance you need depends largely on your HOA’s master policy and the value of your unit and belongings.
Start with your HOA’s policy
Your HOA’s coverage determines how much protection you need inside your unit:
- If your HOA’s coverage ends at your walls, you need a walls-in policy to cover built-in fixtures and furnishings in your unit.
- You need less dwelling coverage if your HOA has an all-in policy. However, you’re often responsible for the deductible in your HOA’s policy and improvements to your unit.
See how much dwelling coverage you need
Most insurance companies use a computer program to figure out how much dwelling coverage you need. You just have to let them know:
- The type of coverage in your HOA’s master policy
- Details about your unit’s size and features
Decide how much personal property coverage you need
You can determine how much personal property coverage you need by adding up the combined value of all your possessions. Consider adding a scheduled personal property endorsement to your policy to cover jewelry or other valuables you may own.
Review other coverage limits
The rest of your condo insurance coverages come in default amounts, but you can usually adjust these:
- Loss of use: If the default amount shown in your quote doesn’t add up to the going rate for at least six months’ rent in your area, ask for more.
- Personal liability: Your liability limit should match or exceed your net worth.
- Medical payments: A common default limit is $1,000, which is usually enough.
- Loss assessment: The standard limit is $1,000. If you live in an area with severe weather risks, consider bumping this up to at least $5,000.
Frequently asked questions
Condo insurance in Florida does not cover flood damage. If your HOA has a master flood insurance policy for your complex, it provides limited coverage for flood damage to your unit, but not your possessions. To get flood insurance for your condo, you’ll have to buy it separately.
In some of Florida’s coastal areas, condo insurance may not cover wind and hail damage. In these areas, you can buy windstorm coverage separately. In all other parts of the state, standard condo insurance does cover wind and hail. Also, HOAs in Florida are required to have windstorm coverage for the complex.
Florida condo insurance includes coverage for catastrophic ground collapse. The coverage kicks in for major sinkholes that leave your condo uninhabitable. A few Florida condo insurance companies offer a sinkhole endorsement, which is optional coverage for less severe sinkholes.
Methodology
Condo insurance rates are based on records obtained from the Florida Department of Insurance Regulation for policies in force as of Dec. 31, 2025. Your rates may vary.
Complaint ratings are based on NAIC records from 2025.
Read our editorial guidelines here.
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