Condo Insurance in Florida

Protection for Your Home & Peace of Mind

Smart, Customized Coverage from a Florida Independent Agency

At FLORIDA WE INSURE AGENCY, we know living in a condo is more than having four walls — it's about comfort, convenience, and protecting your investment. That’s why we offer tailored condo insurance across Florida, working with 30+ top-rated carriers to get you the coverage you need at the best price.

Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

Black location pin with circle, indicating a place.

What Your Florida Condo Insurance Policy Should Cover

Couple shaking hands with a person, sitting at a table with documents and a laptop in a bright room.

Dwelling & Structure Coverage

Protects the structural elements of your unit — walls, ceilings, floors, fixtures — against fire, storms, wind, hail, and other covered hazards.

Personal Property Protection

Covers your belongings — furniture, electronics, clothes, and personal items — in case of theft, fire, water damage, or other covered events.

Liability Coverage

If someone is injured in your condo or you’re found liable for property damage, liability protection helps handle legal and medical expenses — a must for condo owners.

Loss of Use / Additional Living Expenses

If your condo becomes uninhabitable after a covered loss, this helps pay for temporary housing, meals, and other living costs while repairs take place.

Coverage for Florida-Specific Risks: Wind, Storm & Flood Exposure

Given Florida’s weather — hurricanes, tropical storms, heavy rain, flooding — we strongly suggest coverage that protects against wind/storm damage and flood or water-related claims, depending on condo associations and location.

Add-ons

Add‑Ons & Optional Coverages That Matter for Florida Condos

Black diamond icon with shining rays.

Scheduled / High‑Value Personal Property Protection

Extra coverage for valuables like jewelry, artwork, or electronics that may exceed standard policy limits.

Black water droplet on white background.

Water Backup & Sewer Overflow Protection

Important for condos with shared plumbing or older infrastructure — protects against water damage from backups or leaks.

Windy weather icon: tree bending in the wind with gusts and a falling leaf.

Windstorm or Flood Supplemental Coverage

Especially for coastal or flood-prone buildings — to safeguard against hurricanes, storm surge, and extreme rainfall damage.

Ask About Add-Ons & Supplemental Coverage

Condo living in Florida offers convenience and lifestyle, but it also comes with unique risks: hurricanes, storms, water exposure, coastal weather, and shared building infrastructure. A well-structured condo insurance policy doesn’t just meet requirements — it protects your lifestyle, investment, and peace of mind when the unexpected happens.

Why Choose FLORIDA WE INSURE AGENCY for Condo Insurance

Black check mark on a white background.

30+ Florida Carriers Compared

We find the best fit for your building type, location, and insurance needs.

Black check mark on a white background.

Built for Florida Risks

Hurricanes, storms, wind, flooding — we tailor coverage for Florida’s climate and coastal exposure.

Black check mark on a white background.

Annual Policy Remarketing

Every renewal, we re-shop your policy to ensure you stay competitively covered.

Black checkmark on white background.

Free Legal Support for Claims

If you face delays or denials, our in‑house legal team advocates for you at no extra cost.

Black checkmark.

Real Florida Agents, Not Call Centers

Local support, real people, and expertise with FL‑specific insurance challenges.

Man kneels, embraced by two children. Indoors, wooden floor, smiles, dining table, light colors.

Tampa

Tampa’s mix of coastal homes, contractors, restaurants, and professional offices requires customized protection. Our policies are built for Gulf Coast weather and rapid growth.

Black location pin icon with a surrounding circle.

Condo Insurance FAQs

  • Do I need special insurance for a Florida condo?

    Yes — because of Florida’s unique weather and coastal risks. Standard homeowner policies often don’t cover wind, flood, or water‑related damage. We’ll help tailor a policy that addresses those risks for you.

  • Does flood or hurricane windstorm damage count under condo insurance?

    Only if you have the right policy and optional endorsements. In many coastal or flood‑zone condos, supplemental windstorm or flood coverage is critical. We’ll guide you based on building location and risk.

  • Can I insure my personal belongings separately from the condo building master policy?

    Yes — condo insurance covers your personal property and liability while the building master policy covers common areas and structure. Our condo policies ensure your possessions and liability are protected.

  • Can I bundle condo insurance with auto or other policies for discounts?

    Absolutely. Bundling can often reduce premiums and streamline billing — and we can help set that up for you.

Row of white and teal houses under a clear blue sky.
Service areas

Areas We Serve — Condo Insurance Across Florida

We provide comprehensive condo insurance coverage statewide — including:

Black location pin with white circle.

Condo Insurance in St. Augustine

Black location pin with white dot inside, hovering over a circle.

Condo Insurance in Jacksonvill

Black location pin with circle below.

Condo Insurance in Tampa

Black location pin with a circular outline.

Condo Insurance in Sarasota

Black location pin icon with a surrounding circle.

Condo Insurance Across Florida

Black telephone handset with sound waves, indicating an incoming call.

Protect Your Florida Condo — Get a Quote Today

Whether you're buying your first condo or re-evaluating your current coverage, we’ll find a policy that fits your property, lifestyle, and budget.