Florida Condo Insurance (HO-6) Calculator

This free calculator estimates a Florida HO-6 condo insurance premium from ten questions about your unit, building age and construction, wind mitigation, claims, credit tier and region, then sizes the walls-in coverage the association's master policy leaves to you under Florida Statute 718.111(11)(f). Built from Florida OIR rate filings and market data; no personal information required.

Florida condo insurance calculator: estimate your HO-6 premium in 10 questions, then size the walls-in coverage your master policy leaves out. No personal info.

Figures reviewed against Florida Statutes and carrier bulletins on October 22, 2026.

How to use the Florida condo insurance calculator

Five steps to an estimated HO-6 premium, then one more to size the walls-in coverage the association's policy leaves to you.

  1. Enter the unit's rebuild value, the building's age and its construction. The cost to rebuild your interior, not the unit's sale price; the year the building was built; and concrete block, masonry, wood frame or steel.
  2. Describe the building's roof. Roof type and roof age. Your HO-6 covers the interior, but the roof over it drives the hurricane piece of the premium and the carriers willing to quote.
  3. Mark wind mitigation, pool and claims. The building's wind mitigation features, any pool on the property, and claims filed in the past five years.
  4. Choose a credit tier and region. A credit-score range and the part of Florida the building is in.
  5. Read the HO-6 estimate. An annual and monthly premium with a comparison to the Florida condo average and the savings opportunities that apply.
  6. Size your walls-in coverage. Scroll to the interior estimator and enter square footage, unit type, finish quality, kitchen, bathrooms, HVAC and upgrades to get the Coverage A figure the statute makes your responsibility.

Frequently Asked Questions

How much is condo insurance in Florida in 2026?

Citizens Property Insurance Corporation's approved 2026 rates cut HO-6 condo unit-owner premiums an average of 10.4% statewide, effective July 1, 2026 for new policies and at renewal for existing ones, from a statewide average premium of $1,420. Private carriers price from the unit's rebuild value, the building's age and construction, wind mitigation, claims and location, which is what this calculator asks.

What does an HO-6 policy cover that the master policy does not?

Florida Statute 718.111(11)(f) makes the unit owner responsible for the floor, wall and ceiling coverings, electrical fixtures, appliances, water heaters and filters, built-in cabinets and countertops, and window treatments inside the unit, plus the owner's personal property. The HO-6 policy's building coverage pays to replace those items; the association's policy insures the rest of the building.

How much walls-in coverage (Coverage A) do I need on a Florida condo policy?

Enough to replace the interior the statute assigns to you, flooring, wall and ceiling finishes, cabinets, countertops, appliances, fixtures and window treatments, at today's contractor prices. The walls-in estimator on this page sizes that figure from square footage, unit type, finish quality, kitchen, bathrooms, HVAC and upgrades; a high-rise unit with upgraded finishes needs far more than a builder-grade unit of the same size.

Does condo insurance include loss assessment coverage in Florida?

Yes. Florida Statute 627.714 requires every HO-6 policy issued or renewed in Florida to include at least $2,000 of loss assessment coverage, with a deductible on that coverage of no more than $250, for assessments the association levies after a covered loss. The $2,000 is a floor; most private carriers sell higher limits, and the special assessment calculator shows what your share of a hurricane deductible could be.

Does an HO-6 policy cover flood damage?

No. HO-6 policies exclude flood. An NFIP association policy (RCBAP), when the building has one, insures the building on an all-in basis including unit interiors but never your contents, so a unit owner's own flood policy, NFIP or private, covers contents and fills the gaps, and NFIP policies carry a 30-day waiting period with limited exceptions. If Citizens writes your unit, check whether its flood requirement applies to your policy; the guide below walks through the January 2027 rules.

How does the condo insurance calculator estimate my premium?

It starts from Florida market data for HO-6 policies in your region and applies factors for the unit's rebuild value, the building's age and construction, roof type and age, wind mitigation, claims history and credit tier. The answer is an educational estimate from Florida OIR rate filings and public market data, not a quote; the carrier's underwriting of your building sets the final premium.

Why do my building's age and construction change an HO-6 premium?

Your policy covers only the interior, but the unit sits inside a structure whose wind resistance drives the hurricane piece of the premium, and the master policy's deductible and condition decide how often unit owners get assessed. Concrete-block construction built to the post-2001 Florida Building Code with documented wind mitigation prices lowest; older frame buildings with aging roofs price highest, which is why the calculator asks about the building, not just the unit.

Is the estimate a quote, and do I have to give my contact information?

No and no. The number is an educational estimate built from Florida OIR rate filings and public market data; a quote comes from a carrier after it underwrites the building and the unit. You can run both estimators without entering a name, email or phone number. When you want real pricing, Atesa Risk Advisors quotes the unit across 40+ carriers in one business day.

Related Guides

Get a free quote or call (904) 900-5063 — Atesa Risk Advisors, independent Florida insurance brokerage.