Condo and HOA Association Insurance in Florida
Bluehill Insurance has master insurance programs for condominium and homeowners associations across Florida – and in Texas, Georgia, California, and many other states. We help boards and property managers from Miami and Fort Lauderdale to Tampa, Orlando, and Jacksonville meet Florida’s association insurance requirements – full replacement-cost property coverage, general liability, directors and officers (D&O), fidelity/crime, and windstorm and flood – and we re-market your program so the association is not overpaying.
Coverages we place for associations include:
- Building / property at replacement cost
- General liability insurance
- Directors and officers (D&O) liability
- Fidelity / crime
- Equipment breakdown
- Windstorm and flood
Frequently asked questions
What insurance is a Florida condo association required to carry?
Under Florida Statute 718.111(11), a residential association must insure the property at full replacement cost, based on an independent appraisal at least every 36 months. Most also carry general liability, directors and officers, and fidelity/crime, plus windstorm and flood.
What is the difference between a bare walls and all-in master policy?
Bare walls covers the structure and common areas up to the unfinished interior surfaces; all-in extends into the units (fixtures, built-ins). Which applies depends on your association’s declaration – Bluehill reviews your governing documents to confirm.
How do the SB 4-D reserve and inspection rules affect our insurance?
The structural reserve and milestone-inspection laws change how associations budget and document building condition, which underwriters increasingly review. Bluehill helps boards present their building well to get the best terms.
Get a quote: call (800) 467-4914 or request a quote online.