# Strassman Insurance Associates — HO6 Condo Insurance > Independent insurance agency licensed in Florida, specializing in HO6 condo insurance. > We compare rates from 10+ A-rated carriers and present quotes online. ## What We Do - HO6 condo insurance quotes for Florida condominium owners - Side-by-side carrier comparison with real premium and deductible figures - Coverage for primary residences, rentals, secondary/seasonal units, and vacant condos - Flood insurance as a separate add-on policy - Licensed agents available by phone, chat, or email — no cold calls from third parties ## How It Works 1. Customer enters their condo address 2. Agent prepares quotes from multiple carriers (typically same-day or next business day) 3. Customer reviews quotes online and selects coverage 4. Coverage can begin the same day ## Carriers We Work With American Integrity, Universal Property & Casualty, Security First Insurance, Florida Peninsula, Edison Insurance, American Traditions, Southern Oak, Monarch, People's Trust, Slide Insurance, Ovation, Centauri, UPCIC, The Hartford, Neptune Flood, Wright Flood, CNA, Foremost, Travelers All carriers are A-rated and licensed by the Florida Office of Insurance Regulation. ## Coverage Types Offered - HO6 (condo/walls-in) insurance - Flood insurance (separate NFIP and private market policies) - Loss Assessment coverage - Personal property and liability - Additional Living Expenses (ALE) ## Service Area Florida only. Specializing in coastal and high-density condo markets including South Florida, Orlando, Tampa Bay, Jacksonville, and the Space Coast. ## Key Facts - Independent agency (not captive — we shop multiple carriers) - No fee to get quotes - Licensed in Florida - Phone: 888-735-7547 - Website: https://ho6-condo.com - Address: 801 International Pkwy, Suite 500, Lake Mary, FL 32746 ## Pages - / — Homepage, address-based quote request - /faqs — Frequently asked questions about HO6 condo insurance - /get-quote — Full quote intake form - /quote-status — Check quote status by email or phone - /privacy — Privacy policy - /terms — Terms of service ## Frequently Asked Questions ### Coverage Basics Q: What is HO6 condo insurance? A: HO6 insurance, also known as condo insurance or walls-in coverage, is a policy designed specifically for condominium owners. It covers the interior of your unit (walls, floors, ceilings, fixtures), your personal belongings, and provides personal liability protection. It's called HO6 because it's the sixth type of homeowners policy defined by the Insurance Services Office (ISO). Q: What does HO6 cover vs. the master policy? A: Your condo association's master policy typically covers the building's exterior, common areas, and structural elements. Your HO6 policy covers everything inside your unit from the studs or drywall in, including: interior walls and built-in fixtures, flooring and ceiling finishes, cabinets and countertops, appliances, personal belongings (furniture, electronics, clothing), and liability if someone is injured in your unit. Q: How much dwelling coverage (Coverage A) do I need? A: Your dwelling coverage should be enough to rebuild the interior of your unit from scratch, including walls, flooring, cabinets, fixtures, and any upgrades you've made. A good rule of thumb is $50-$100 per square foot, but this varies based on your unit's finishes. If you've done significant upgrades (granite countertops, hardwood floors, custom cabinets), you'll need higher coverage. Q: What is Loss Assessment coverage and why do I need it? A: Loss Assessment coverage protects you when your condo association's master policy isn't enough to cover damage to shared areas like the roof, pool, elevator, or hallways. When that happens, the HOA may assess each unit owner for the shortfall. Loss Assessment coverage helps pay your share. In Florida, where hurricane damage to common areas can be significant, most condo owners benefit from carrying at least $10,000-$50,000 in Loss Assessment coverage. Q: What is the difference between an AOP deductible and a hurricane deductible? A: AOP (All Other Perils) is your standard deductible that applies to most covered events like fire, theft, or water damage. A hurricane deductible is separate and typically calculated as a percentage of your Coverage A amount (usually 2%, 5%, or 10%). It only applies to losses from named tropical storms. For example, if you have $100,000 in Coverage A and a 2% hurricane deductible, you'd pay $2,000 out of pocket for hurricane damage. Q: What is personal liability coverage and how much do I need? A: Personal liability coverage pays for injuries or property damage you accidentally cause to others, both inside and outside your condo. If a guest slips in your kitchen or your bathtub overflows and damages the unit below, liability coverage pays their medical bills, repair costs, and legal defense if you're sued. Most Florida condo owners carry $100,000-$300,000 in liability coverage. ### Florida-Specific Q: What happens to my condo insurance during hurricane season? A: Your HO6 policy covers hurricane damage to your unit's interior year-round. However, most Florida carriers will not issue new policies or make changes to existing policies once a named storm enters the Gulf of Mexico or approaches the Atlantic coast. This is called a binding moratorium. It's best to have your coverage in place well before June 1 when hurricane season officially begins. Q: Does HO6 insurance cover water damage from a burst pipe? A: Yes, sudden and accidental water damage from a burst pipe, overflowing appliance, or accidental discharge is typically covered under your HO6 policy. However, damage from gradual leaks, lack of maintenance, or long-term seepage is generally excluded. Q: Am I covered if my condo floods? A: No. Standard HO6 condo insurance does not cover flood damage. Flood insurance is a separate policy, available through the National Flood Insurance Program (NFIP) or private flood carriers like Neptune Flood and Wright Flood. In Florida, even condos not in a high-risk flood zone can flood from heavy rain or storm surge. We offer flood quotes alongside your HO6 quotes. Q: Why is Florida condo insurance so expensive? A: Florida condo insurance rates are higher than most states due to several factors: hurricane and tropical storm exposure, high litigation rates, rising reinsurance costs, and the increasing cost of building materials and labor. Rates also vary significantly by location, building age, and construction type. Coastal condos and older buildings without updated roofs or hurricane-resistant features pay more. A wind mitigation inspection can help reduce your premium. Q: Do I need a wind mitigation inspection or 4-point inspection? A: In Florida, most carriers require a 4-Point Inspection for buildings over 30-40 years old. This inspection evaluates your roof, electrical, plumbing, and HVAC systems. A Wind Mitigation Inspection is optional but highly recommended. It documents hurricane-resistant features of your building and can result in significant premium discounts, often 20-45%. ### Cost and Savings Q: How much does HO6 condo insurance cost in Florida? A: HO6 condo insurance in Florida typically ranges from $500 to $3,000+ per year depending on your location, building age, coverage amounts, and deductible choices. Newer buildings in inland areas with hurricane-resistant features tend to have lower premiums. The best way to find your actual rate is to get quotes from multiple carriers. Q: How can I lower my condo insurance premium? A: Several strategies can reduce your Florida condo insurance costs: get a wind mitigation inspection to document hurricane-resistant features (often the biggest single discount), choose a higher AOP or hurricane deductible, bundle with auto or umbrella insurance for multi-policy discounts, ask about claims-free discounts, ensure your dwelling coverage amount is accurate (not over-insured), and compare quotes from multiple carriers. Q: Does my credit score affect my condo insurance rate? A: Yes, in Florida most insurance carriers use a credit-based insurance score as one factor in determining your premium. A higher credit score generally results in lower rates. However, credit is just one of many rating factors alongside location, building characteristics, claims history, and coverage amounts. Q: Can I bundle my condo insurance with auto insurance? A: Yes. Many carriers offer multi-policy discounts when you bundle your condo insurance with auto, umbrella, or other policies. This can result in savings of 5-15% or more on your premiums. ### Getting Quotes Q: How long does it take to get quotes? A: Once you submit your information, your dedicated agent typically prepares quotes within 1-2 business days. For straightforward quotes with complete information, you may receive options the same day. Q: What insurance carriers do you work with? A: We work with 10+ A-rated insurance carriers licensed in Florida, including American Integrity, Universal Property, Security First, Florida Peninsula, Edison, American Traditions, Southern Oak, Monarch, People's Trust, Slide, Ovation, Centauri, UPCIC, The Hartford, Neptune Flood, Wright Flood, CNA, Foremost, and Travelers. Q: What information do I need to get a quote? A: Just your condo's address, your name, email, phone number, and date of birth. The whole process takes about two minutes. You don't need your current policy, inspections, or any documents to get started. Q: Is there a fee for getting quotes? A: Our quoting service is completely free. We're an independent insurance agency, which means we're compensated by the carrier when you choose a policy, not by charging you a fee. There's no obligation to purchase. Q: How soon can my coverage begin? A: Coverage can typically begin as soon as the same day, depending on the carrier and underwriting requirements. Q: What is the difference between an independent agent and a captive agent? A: A captive agent works for one insurance company and can only offer that company's products. An independent agent like Strassman Insurance Associates works with multiple carriers and can shop your coverage across all of them to find you the best fit. ### Coverage Details Q: Does HO6 insurance cover mold damage? A: Mold coverage in Florida HO6 policies is limited. Most carriers cover mold remediation only when it results from a covered peril, like a sudden burst pipe. Mold from ongoing humidity, poor ventilation, or deferred maintenance is typically excluded. Some carriers offer optional mold coverage endorsements for an additional premium. Q: What is Additional Living Expenses (ALE) coverage? A: Additional Living Expenses, also called Coverage D or Loss of Use, pays for temporary housing, meals, and other living costs if your condo becomes uninhabitable due to a covered loss. Q: Am I covered if someone breaks into my condo? A: Yes. Your HO6 policy's personal property coverage (Coverage C) covers stolen belongings from theft or burglary, minus your deductible. High-value items like jewelry, art, or collectibles may have sub-limits (typically $1,500-$2,500 for jewelry). Q: Does condo insurance cover my car in the parking garage? A: No. Your HO6 policy does not cover your vehicle or damage to it. Vehicle coverage comes from your auto insurance policy. However, if personal belongings are stolen from your car, your HO6 personal property coverage may apply. Q: Can I get quotes for a condo I rent out to tenants? A: Yes. We quote rental condos, secondary residences, seasonal properties, and vacant units in addition to primary residences. Just select the occupancy type when you fill out the form. ### Policy Management Q: Can I switch condo insurance carriers mid-policy? A: Yes. You can switch carriers at any time, though it's usually most cost-effective to switch at renewal. If you cancel mid-term, most carriers will refund the unused portion of your premium. Your new policy should start the same day your old one ends to avoid a coverage gap. Q: What happens if my condo association's master policy changes? A: If your HOA changes its master policy, it can affect what your HO6 policy needs to cover. For example, if the association switches from an "all-in" master policy to a "bare walls" policy, you'll need more dwelling coverage on your HO6. Review your association's master policy annually and let your agent know about any changes. Q: How do I file a claim? A: Contact your insurance carrier directly using the claims phone number on your policy documents. You should also notify us at Strassman Insurance Associates so we can assist you through the process. Document the damage with photos and videos, and don't make permanent repairs until the adjuster has inspected the damage.