Florida Condo & HOA Property Insurance Calculator
Get an instant estimate for your association's master property insurance policy. Take the guess work out of what your association should be paying for insurance.
Where is your property located?
Location is the single biggest factor in Florida commercial property rates. Wind exposure varies dramatically across the state.
Rates based on actual carrier data from Florida
Understanding Florida Commercial Property Insurance for Condo & HOA Associations
What Does This Calculator Estimate?
This calculator provides an estimated annual premium for a commercial property master insurance policy — the type of coverage that condo associations and HOAs are required to carry under Florida Statute 718.111(11). This is NOT individual unit owner (HO-6) insurance. The master policy covers the building structure, common areas, and association-owned property against fire, wind, theft, and other covered perils.
How Are Rates Determined?
Commercial property insurance rates in Florida are driven by several key factors. Location is the most significant — properties in Southeast Florida and the Keys face rates 2-3 times higher than inland Northeast Florida due to hurricane exposure. Roof condition is the second most critical factor; carriers may decline to quote properties with roofs over 15-20 years old. Construction type, building age, andclaims history round out the major rating variables.
Where Does Our Rate Data Come From?
Our estimates are based on real data from Florida insurance companies.
Why Work with an Independent Broker?
As an independent insurance agency, Atesa Risk Advisors has access to 40+ carriers — including admitted carriers and surplus lines markets. This means we can shop your association's coverage across the entire market to find the best combination of price, coverage terms, and carrier financial strength. Most associations that switch to us save 15-25% on their annual premium.