Why Condo Owners Need Insurance
Your condo association’s master policy only goes so far. As a condo or townhome owner in Orlando, you’re responsible for everything inside your walls—and that’s where HO-6 condo insurance comes in.
From upscale flooring and kitchen upgrades to liability if someone slips in your unit, the right policy fills the gaps your HOA can’t. With 1,100+ townhomes and countless condo communities across East Orlando, The White Agency has helped residents protect their personal spaces since 1998.
Whether you're buying your first unit, refinancing, or just comparing quotes, we’ll make sure your policy aligns with your building’s requirements and your lifestyle.
Condo Insurance Coverages You Can Count On
Interior Structure
Covers flooring, cabinets, built-ins, and other upgrades within your condo that aren’t covered by the master policy.
Personal Property
Protects what’s inside your home—furniture, electronics, clothing, and valuables.
Personal Liability
Pays legal and medical expenses if someone is injured inside your unit.
Loss Assessment
Helps cover your share of HOA assessments after property damage to common areas or lawsuits against the association.
Loss of Use
Covers temporary housing and living expenses if your condo becomes uninhabitable due to a covered loss.
Water Damage Scenarios
We’ll help you navigate gray areas—like leaks from neighboring units or roof damage—to make sure your coverage fits your risk.
Know Where the HOA Stops—And You Begin
Understanding your master policy is the first step to getting the right personal condo insurance.
Most condo and townhome communities in Orlando are covered by a master policy provided by the HOA. This policy typically covers:
- The building’s exterior
- Common areas like the roof, lobby, and landscaping
- Certain plumbing or shared walls (depending on bylaws)
But you are responsible for the inside of your unit. That includes interior upgrades, appliances, personal belongings, and liability.
We’ll help review your HOA’s documents and ensure your individual policy fills the gaps.
- Covers “walls-in” improvements: flooring, cabinets, fixtures
- Includes personal liability for guest injuries inside your unit
- Protects against personal property losses due to theft or damage
- Ensures compliance with HOA requirements
- Optional coverage for assessments and special scenarios
We help you cut through the HOA fine print.
Condo Insurance Questions—Answered
Buying into a condo or townhome community shouldn’t mean confusion over coverage. Our agents help East Orlando residents understand exactly what’s protected, and where personal insurance is essential.
What’s the difference between condo insurance and homeowners insurance?
Condo insurance (HO-6) covers the interior of your unit, while homeowners insurance covers the full structure and lot.
Do I need condo insurance if my HOA has a master policy?
Yes—your HOA only covers shared areas. You’re responsible for your personal property, interior finishes, and liability.
How much does condo insurance cost in Orlando?
It’s often more affordable than full homeowners coverage. Your rate depends on coverage limits, deductibles, and the building’s risk profile.
Can I bundle condo insurance with auto for a discount?
Absolutely. Most clients save by combining policies.
What if I rent out my condo?
We offer landlord-friendly condo insurance, or we can guide you to the right Landlord Insurance policy.
Do I need umbrella insurance with my condo policy?
If you want extra liability protection beyond your condo and auto policies, we recommend it.