COV / CONDO

Condo insurance for what your HOA policy doesn't cover.

Your association's master policy covers the building. It doesn't cover your interior, your belongings, or your liability — that's what an HO-6 policy is for.

Carriers we place coverage with
AllstateNationwideTravelersLiberty MutualThe HartfordSafecoMercuryAIGHiscoxKemperBerkshire HathawayNational GeneralSouthern OakUSLIAmtrustRisk Placement Services AllstateNationwideTravelersLiberty MutualThe HartfordSafecoMercuryAIGHiscoxKemperBerkshire HathawayNational GeneralSouthern OakUSLIAmtrustRisk Placement Services
Overview

Condo Insurance, explained.

Many condo owners assume the HOA's insurance has them fully covered. It usually doesn't. A condo (HO-6) policy fills the gap between what the association insures and what's actually yours — and it's often required by your lender or association bylaws.

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What's typically included
  • Interior walls, floors & fixtures
  • Personal property coverage
  • Loss assessment coverage
  • Personal liability protection
  • Loss of use
  • Upgrades & improvements (betterments)
Why H&H

An agency that works for you, not one carrier.

INDEPENDENT

Not tied to one carrier

We shop your policy across markets instead of fitting your risk into whatever one insurer is willing to offer.

LOCAL RISK

Built around Florida

Hurricanes, flood zones, wind mitigation — we know how these actually move your premium, and where you're overpaying.

DIRECT ACCESS

A person, not a portal

Call, email, or stop by our Pembroke Pines office. You'll talk to someone who already knows your policy.

Ready when the forecast isn't.

Get a personalized quote in minutes — no obligation, no pressure.

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Get in touch
Office

9000 Sheridan St., Ste. 160
Pembroke Pines, FL 33024

Phone

754-201-4796  ·  954-272-7228

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Tell us what you need covered — we'll follow up with real numbers.