Insurance Information
Understanding your association's insurance coverage and your responsibilities as a unit owner.
Association Master Policy Coverage
Property Insurance
Building structure, common areas, and association-owned property
Contact Board for Details
Flood Insurance
Flood damage protection for common elements
National Flood Insurance Program (NFIP)
General Liability
Bodily injury and property damage on common areas
Contact Board for Details
Directors & Officers
Protection for board members in their official capacity
Contact Board for Details
Fidelity Bond
Protection against employee theft or dishonesty
Contact Board for Details
Unit Owner Insurance Responsibilities
While the association maintains a master policy, unit owners are responsible for obtaining their own insurance coverage for:
- HO-6 (Condo Unit Owner) Policy covering interior improvements, personal property, and personal liability
- Loss assessment coverage for special assessments related to insurance claims
- Personal flood insurance for unit contents (NFIP or private)
- Personal umbrella policy recommended for additional liability protection
Important: Proof of Insurance
Unit owners may be required to provide proof of HO-6 insurance coverage. Per Florida Statute 718.111(11), the association may require unit owners to maintain adequate insurance coverage.
If you have questions about your insurance requirements or need a copy of the association's master policy declaration page for your insurance agent, please contact the Board.
Need Insurance Documents?
Request copies of the association's insurance certificates, declaration pages, or policy summaries. These are often needed by lenders, insurance agents, or prospective buyers.
Request Insurance DocumentsCoverage Summary
5
Policy Types
20
Units Covered
Annual
Renewal Cycle