Bluehill Insurance has master insurance programs for condominium and homeowners associations in Orlando and across Central 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, and windstorm – and Orlando’s inland location often means more competitive terms than coastal markets.
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 an Orlando 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 coverage.
Are Central Florida associations cheaper to insure than coastal ones?
Often, yes – Orlando’s inland location means lower windstorm exposure and typically more competitive terms than comparable coastal associations.
Do the SB 4-D reserve rules apply to Orlando associations?
Yes – Florida’s structural reserve and milestone-inspection laws apply statewide. Bluehill helps Orlando boards present their building to get the best available terms.
Get a quote: call (800) 467-4914 or request a quote online.