Bluehill Insurance has master insurance programs for condominium and homeowners associations in Jacksonville and across Northeast Florida. We help boards and property managers meet Florida’s association requirements – full replacement-cost property coverage, general liability, directors and officers (D&O), fidelity/crime, windstorm, and flood – with attention to coastal and St. Johns River flood exposure.
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 Jacksonville condo association required to carry?
Under Florida Statute 718.111(11), a residential association must insure at full replacement cost based on an independent appraisal at least every 36 months, plus general liability, directors and officers, and fidelity/crime, and windstorm and flood given Northeast Florida exposure.
How is flood handled for riverfront Jacksonville associations?
Flood – including storm surge and St. Johns River flooding – is written separately from the wind and property policies. Bluehill places all three together for Jacksonville associations.
Do the SB 4-D reserve rules apply to Jacksonville associations?
Yes – Florida’s structural reserve and milestone-inspection laws apply statewide. Bluehill helps Jacksonville boards document building condition to get the best terms.
Get a quote: call (800) 467-4914 or request a quote online.