Condominium Insurance in Jacksonville, FL
A condo unit may offer you freedom and convenience, but it may also come with unique risks. At Bacon Insurance, we understand the importance of protecting your finances in case a covered risk damages your unit. We can help you find the policy that fits your budget and lifestyle.
Why Is Condo Insurance Important? 
The importance of condo insurance, also known as HO-6 insurance, is tied to compliance and financial protection. While Florida state law does not require condo insurance, your property manager or condo association may ask for proof of a policy. Your lender may also require insurance coverage if your unit is under a mortgage. Even if your unit is fully paid, condo insurance may help lessen the financial fallout of unexpected accidents, damage or liabilities.
What Does It Cover?
A condo insurance typically offers the following coverage:
- Personal property coverage can help pay for the replacement of furniture, electronics, and clothing if they are damaged by a covered peril, subject to policy limits.
- Loss of use coverage can help pay for your living expenses if a covered event forces you to temporarily move out of your unit.
- Personal liability coverage can cover you if you’re held responsible for causing bodily injuries or property damage to another party.
How Much Will It Cost to Insure My Unit?
Several factors can affect condo insurance policy premiums. These may include, but are not limited to:
- Location
- Claims history
- Safety features (e.g., fire alarms, burglar alarms, security systems, etc.)
- Coverage selections
- Deductible
Get Coverage for Your Florida Condo
Contact Bacon Insurance today to learn more about your insurance options or request a personalized, no-obligation quote.