Your condo association has a master policy — but it doesn't cover what's inside your unit. An HO-6 policy fills the gap: walls-in damage, your personal belongings, loss assessment when the HOA passes costs to owners, and personal liability. Bruno reviews your HOA's master policy and builds the right HO-6 to cover exactly what's exposed.
What HO-6 Covers
An HO-6 policy is specifically designed for condo unit owners. It picks up where the HOA master policy stops — covering your unit's interior, your belongings, shared-loss assessments, and your personal liability. Each component matters in Southwest Florida.
Covers interior walls, flooring, ceilings, built-in cabinets, countertops, fixtures, and improvements inside your unit. When wind-driven rain penetrates or a pipe bursts and destroys your kitchen and hardwood floors, this is what pays — the master policy stops at the building shell.
Covers furniture, electronics, clothing, appliances, artwork, and personal belongings inside your unit against covered perils including fire, theft, and wind damage. Coverage limits are set by you — typically $40,000–$100,000+ depending on what you have inside.
Critical in Florida: when your HOA's master policy is exhausted or the deductible exceeds reserves, the association passes costs to each unit owner. After Hurricane Ian, some Naples and Marco Island condo owners received assessments of $10,000–$30,000+. Loss assessment coverage pays your share.
Personal liability protects you if a guest is injured in your unit and sues. Loss of use pays hotel and living expenses if your condo becomes uninhabitable during repairs — important in high-rises where elevator and utility damage can make units inaccessible for weeks after a storm.
Florida Reality
Most condo associations in Naples carry either a "bare walls" or "original construction" master policy. Bare walls covers the building structure only — your interior finishes, upgrades, and personal property are entirely your responsibility. Original construction covers the unit as it was originally built — but not renovations or improvements you've made.
Either way, when a pipe in the wall above you bursts and floods your unit, your newly renovated kitchen, your flooring, your appliances, and your furniture are not covered by the master policy. That gap is exactly what your HO-6 is for.
Before writing your HO-6, Bruno requests and reviews your HOA's master policy declaration. That tells us exactly where the master policy stops and where your HO-6 needs to start — not an estimate, a precise read of the actual document.
Hurricane Ian exposed the loss assessment gap throughout Southwest Florida. When a hurricane causes damage to common areas, the master policy kicks in — but in many Naples and Marco Island associations, the master policy windstorm deductible ran into the millions. With insufficient reserves, associations levied special assessments to cover the gap.
Unit owners who carried loss assessment coverage on their HO-6 submitted a claim and had it paid. Those who skipped it — or carried the default $1,000 limit — paid thousands out of pocket. Standard HO-6 loss assessment limits of $50,000–$100,000 are now considered appropriate in SWFL given the size of potential hurricane assessments.
Flood insurance for condos follows the same logic as single-family homes: wind damage is covered by your HO-6, but flooding from storm surge is not. If your building is in or near a flood zone, a separate flood policy for your unit's contents is worth serious consideration. See flood insurance →
Free Quote
No pressure. No obligation. Bruno reviews your HOA's master policy alongside your HO-6 needs and responds within 24 hours.
Thank you — Bruno will reach out within 24 hours. You can also call directly: (239) 850-2268.
Common Questions
Licensed Florida agent. Bruno reviews your HOA's master policy before writing your HO-6 — so coverage is precise, not guesswork.