Free Consultation & Case Evaluation
(877) 746-5529 location mail

Insurance Requirements for Florida Condominiums

With hurricane season in full swing on the East Coast, Florida condominium residents may be wondering what types of damage are covered by their insurance policies and what kind of insurance is required for condo associations in the state. Because Florida law generally does not require more than basic coverage for condo buildings, condo owners are wise to protect themselves against the severe hurricane damage that can result from a single storm.

In Florida, condo associations are required to have casualty insurance to cover property damage caused by "acts of God" such as hurricanes and floods. In contrast, liability coverage, which provides funds for damage or injuries caused by a person's negligence or intentional misconduct, is not required for condo associations.

A condo association's casualty insurance policy will cover common areas like patios, pools and the exterior and hallways of buildings. However, it will not protect residents' personal property such as furniture or clothes. Florida law, summarized by the Sun Sentinel newspaper, also states that the following items within an owner's unit are not insured by the condo association's insurance policy:

  • Ceilings
  • Walls
  • Floors
  • Counters and cabinets
  • Electrical fixtures and appliances
  • Water heaters and filters
  • Window treatments

Condo owners were previously required to buy individual insurance policies to cover the contents and fixtures within their units, but the law was changed in July 2010 so owners' personal insurance coverage is no longer mandatory. However, considering the amount of damage that could occur and the limitations of condo associations' policies that leave owners' property unprotected, buying a personal insurance policy may be a worthy investment.

No Comments

Leave a comment
Comment Information

What Our Clients Are Saying

  • I highly recommend K.C. Williams as an experienced, dedicated and honest attorney who will work diligently to help his clients maximize the recovery of compensatory damages.
    Read More
  • Responsive and attentive, Mr. Williams provided professional and personal service. He worked directly with me throughout the legal process.
    Read More
  • Every step of the way K.C. walked with my family to help us to understand the process our case to completion.
    Read More

Request A Free Consultation

Bold labels are required.

Contact Information

The use of the Internet or this form for communication with the firm or any individual member of the firm does not establish an attorney-client relationship. Confidential or time-sensitive information should not be sent through this form.


Privacy Policy

Williams Law Association, P.A.
1715 West Cleveland Street
Tampa, FL 33606

Phone: 813-288-4999
Tampa Law Office Map
tampa law office map