The typical Florida Condominium Property program structure is designed Condominium Associations predominantly fire resistive and non-combustible construction with Insureds domiciled in Florida.

Program Details

  • Property up to $100,000,000 per policy
  • All Risk Special Form excluding wind
  • DIC Perils Form excluding wind
  • Buildings and Personal Property
  • Ordinance and Law
  • Boiler and Machinery
  • Sinkhole Coverage
  • Citizens Policyholder Surcharge Endorsement
  • All Other Wind (AOW) Deductible Buyback
  • Minimum deductible $2,500
  • Minimum TIV $5,000,000

Eligible Classes

  • Condominium Associations
  • Homeowner Associations
  • Apartments
  • Mercantile
  • Office Buildings
  • Lessors Risk


  • Risks with aluminum wiring
  • Risks with hazardous adjacent exposures
  • Risks with armed security
  • Risks with commercial marina operations
  • Association where membership is voluntary
  • Any building during ground-up construction, major renovations or remodel