Pricing data

How Much Does HO-6 Insurance Cost in Florida? (2026)

The most recent regulator data, as of March 31, 2026, puts the average Florida condo unit-owner premium with wind coverage at $1,816 in Broward, $2,311 in Palm Beach, $2,801 in Miami-Dade and $3,474 in Monroe. Across all counties the range is $683 to $3,474.[1] There is no official single statewide 2026 average. The closest figure, derived from year-end 2025 regulator data, is about $1,774 per policy.[2] What you pay depends mostly on wind, county, your coverage limits and your hurricane deductible.

Last reviewed: September 2026 · Every figure carries its own as-of date · General information, not legal or insurance advice · Your quote will differ

Average HO-6 premiums by county

The Florida Office of Insurance Regulation (OIR) reports average condo unit-owner premiums for all 67 counties twice a year. The July 1, 2026 report uses data as of March 31, 2026. OIR calculates each average as total premium divided by policies in force, separately for policies that include wind and policies that exclude it, and notes that "actual charged premium will vary based upon company, insured value, deductibles, and policy terms."[1]

Statewide and national comparison

OIR's county report doesn't give a statewide figure. FLOIR's quarterly QUASR data, republished by Citizens, reports 927,512 condo unit-owner multi-peril policies in force at December 31, 2025 with $1.646 billion of premium written. Dividing one by the other gives about $1,774 per policy. That is our arithmetic, not a published average.[2]

For comparison across states, the NAIC's homeowners report published in July 2026 (covering 2023 data) puts the average Florida HO-6 premium at $1,146 against $658 countrywide, about 1.74 times the national average.[3] NAIC is the only source of comparable HO-6 averages for every state, and its data runs about three years behind.

What Citizens charges

Citizens Property Insurance, the state-created insurer of last resort, writes a small share of full condo policies but most condo wind-only policies. As of March 31, 2026, Citizens held 1.65% of condo unit-owner multi-peril policies but 74.53% of condo unit-owner wind-only policies.[1]

These are Citizens' recommended rates from its December 2025 filing. OIR sets the final rates by order, so the rates actually in effect may differ. Individual changes for primary residences are capped between −15% and +15%, and non-primary between −15% and +50%.[4]

What drives the price

1. Wind coverage

Wind is the biggest factor. In every county where OIR reports both columns, the "including wind" average is at or above the "excluding wind" average, often far above (Monroe: $3,474 vs. $1,323).[1] Florida law requires rate filings to split hurricane rates from all other coverages, and your premium notice has to show the hurricane premium separately, so check yours.[6]

2. County and location

With wind included, county averages range from $683 to $3,474, about a fivefold spread.[1] Coastal South Florida and the Keys are at the top.

3. The building: age, roof and construction

An HO-6 insures your interior, but the windstorm rating reflects the building around it. Florida requires residential rate filings to include "actuarially reasonable discounts, credits, or other rate differentials" for features that reduce windstorm loss, including roof strength, roof covering, roof-to-wall connections and opening protection.[6] Citizens applies wind mitigation credits to its HO-6 and HW-6 policies.[4]

4. Coverage A, C and E limits

More coverage costs more. NAIC's Florida HO-6 data shows an average of $630 for policies with $50,000–$59,999 of insurance, $1,842 at $100,000–$124,999, and $5,658 at $200,000 and over.[3] The bands don't move in a straight line (some lower bands average more), so don't read a price per $1,000 from them. The direction is clear, though. Coverage A should match what the master policy excludes. See Walls-in coverage in Florida condos.

5. Hurricane deductible

Before issuing a policy, insurers must offer hurricane deductibles of $500, 2%, 5% and 10% of the policy dwelling limits, with exceptions for higher-value risks.[7] A higher deductible generally lowers the premium and raises what you pay after a storm. Your renewal notice must list the available options.

6. Loss assessment limit

Florida requires at least $2,000 of loss assessment coverage on a unit-owner policy.[8] Raising it adds premium. How much depends on the carrier, and we don't have a published figure to cite. See Loss assessment coverage and the loss assessment calculator.

7. Occupancy

Citizens rates non-primary residences on a different capping schedule (up to +50% a year) than primary residences (up to +15%).[4] Rented units may need a different form entirely.

How to lower your HO-6 premium

1. Shop the private market. Citizens' own filing reports that of about 1.30 million policies removed from Citizens through depopulation since 2023, over 95% were offered a private premium that was lower than, or within 20% of, Citizens' rate.[4] A licensed agent who places with several carriers can compare them.
2. Ask for wind mitigation credits. Your insurer must tell you the range of mitigation discounts it offers at issuance and at every renewal (§ 627.711). A uniform inspection form (OIR-B1-1802) is valid for up to five years if the structure hasn't materially changed.[9] The current form is written for dwellings with 1–4 units[10], so in a larger building, ask your agent what documentation the carrier accepts and whether the association has building-level mitigation information.
3. Pick the hurricane deductible on purpose. The statutory options run from $500 to 10% of dwelling limits.[7] Only choose a higher deductible if you could pay it after a storm.
4. Right-size Coverage A. Base it on what the master policy excludes plus your upgrades, not a round number. Underinsuring saves premium and costs you after a loss.
5. Don't cut loss assessment or liability to save money. These are usually the lines that protect you from the biggest bills a condo owner can face.

What your association typically requires

Florida law does not require owners to buy an HO-6. That mandate was repealed in 2010 by SB 1196.[11] Requirements come from three places:

• Your declaration of condominium. This is where any HO-6 requirement, minimum limits, or proof-of-insurance process lives. Requirements vary between associations, so read yours. See Florida condo insurance requirements.
• Your lender. Fannie Mae's Selling Guide B7-3-04 requires a unit-owner policy on a replacement-cost basis whenever the master policy doesn't cover the interior or has a per-unit deductible.[12]
• The policy-content statute. If you do buy an HO-6, § 627.714 requires it to include at least $2,000 of loss assessment coverage with a deductible of no more than $250.[8]

When a board asks for proof of insurance, send the declarations page. It shows your limits, deductibles, loss assessment and any wind exclusion in one place. See What is a declarations page?

Frequently asked questions

How much does HO-6 insurance cost in Florida in 2026?

As of March 31, 2026, OIR's county averages for condo policies including wind range from $683 (Suwannee) to $3,474 (Monroe): $1,816 in Broward, $2,311 in Palm Beach, $2,801 in Miami-Dade.[1] There is no official statewide 2026 average. Year-end 2025 data works out to about $1,774 per policy.[2]

Why is condo insurance more expensive in Florida?

Mostly hurricanes. NAIC's 2023 data puts Florida's average HO-6 at $1,146 against $658 countrywide.[3] In OIR's county data, policies that include wind average more than those that don't.[1]

Is Citizens cheaper?

Not necessarily, and you may not be eligible. A private offer within 20% of Citizens' premium generally makes a primary-residence risk ineligible, and units worth $700,000 or more (dwelling plus contents) are generally excluded.[5] Citizens' average in-force HO-6 was $1,420 as of April 2025.[4]

Can I get wind mitigation discounts on a condo policy?

Florida requires insurers to file mitigation discounts and to tell you their range at every renewal.[6][9] Citizens applies them to HO-6 and HW-6 policies.[4] In a larger building, ask what documentation your carrier accepts.

What hurricane deductible options do insurers have to offer?

$500, 2%, 5% and 10% of the policy dwelling limits, with exceptions for higher-value risks.[7]