Reference

Florida Condo Insurance & Compliance Guides

Plain-English, cited guides on Florida condominium insurance and compliance — organized by who is asking: condo boards, property managers, and unit owners. Everything is cited to primary sources — statutes, regulatory filings and agency data — with as-of dates.

Last reviewed: September 2026 · Legal pages cited to the 2026 Florida Statutes · Not legal advice

For condo boards

What Florida law requires of the association, what it does not, and how to run owner-insurance compliance without statutory enforcement power.

Law & deadlines

Florida Condo Insurance Requirements: Association vs. Unit Owner

What § 718.111(11) actually requires, what the statute makes the owner's responsibility, and why the HO-6 obligation comes from your declaration and your lender rather than a state mandate. Includes the 2010 repeal that a great deal of published guidance still misses.

Florida Milestone Inspections & SIRS: What Actually Applies in 2026

The post-Surfside legislation chain from SB 4-D through HB 913, current inspection deadlines, whether reserves can still be waived or paused, and what the 2026 session did (and did not) change. Corrects the widely repeated 3-mile coastal rule.

Florida Condo Law Changes 2025–2026: What Boards Need to Know

Every HB 913 change in one table, with who it affects, the effective date and the statute section, plus what the 2026 session did and did not change for associations.

Florida Condo Master Policy Renewal: A Board's Prep Checklist

What to do 120, 90, 60 and 30 days before renewal, what underwriters ask for, Citizens eligibility, how deductibles are set and shared, and questions for your agent.

Running compliance

The Florida HO-6 Compliance Checklist Printable

The one-page working checklist: what to require, what to collect, how to verify a dec page, what to track monthly — and four mistakes to avoid, including citing repealed force-place law.

How Associations Track HO-6 Compliance

Spreadsheet vs. software, including when a spreadsheet is genuinely good enough and the five points at which manual tracking predictably breaks.

How to Request Proof of HO-6 Insurance from Condo Owners (Free Templates)

Six copy-paste templates, from the first board letter to the final notice, plus which document to accept and what the association can and can't do when an owner doesn't respond.

HO-6 Compliance Cost Calculator Tool

What compliance tracking costs your association, worked out before any sales call — published per-unit rates, no email required.

For property managers & CAM firms

Tracking unit-owner insurance across a book of associations — and choosing the tooling to do it.

How PM Firms Track HO-6 Compliance Across a Portfolio

What changes at portfolio scale: per-association requirement profiles, renewals that never stop, staff assignment, board reporting — and why the management agreement makes the paper trail the deliverable.

How to Choose HOA Insurance-Tracking Software

The twelve questions to ask any vendor, pricing models compared, and the red flags — written by a vendor, bias disclosed, framework portable.

Also for managers: the HO-6 compliance checklist and the cost calculator above.

For unit owners

What your HO-6 needs to cover, what your association's master policy does not, and how to show your association proof.

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

Sourced 2026 averages by county from Florida regulator data, what drives the price, and practical ways to lower it.

Walls-In Coverage in Florida Condos: Master Policy vs. Your HO-6

What Florida law makes the master policy cover and exclude, how to size your HO-6 dwelling coverage to fill the gap, and the gaps owners miss.

HO-6 vs. HO-4 vs. Wind-Only

Which policy form satisfies which requirement, and how a wind-excluded HO-6 plus a wind-only policy work as a pair that neither satisfies alone.

What Is a Declarations Page?

How to read a dec page, how it differs from a certificate of insurance or a binder, how to get a copy, and the six things an association checks on one.

Loss Assessment Coverage in Florida

What the $2,000 statutory floor actually buys, the peril test that catches owners and boards out, and why no loss assessment limit covers a SIRS reserve shortfall or a milestone repair.

Loss Assessment Exposure Calculator Tool

Estimate your share of the association's hurricane deductible against your loss assessment limit, and see the gap against Florida's $2,000 statutory minimum.

Data & statistics

Florida Condo Insurance Statistics (2026)

Premiums by county from FLOIR, the national comparison from NAIC, Citizens depopulation figures, DBPR market size — and why the widely quoted "65% underinsured" figure should not be used.