Condo Owners
Insurance
Essential Protection for Your Miami Unit
Owning a condominium in Miami provides a unique lifestyle, but it also means having unique insurance needs. While your Homeowners Association (HOA) maintains a master policy, that policy typically only covers the exterior structure and common areas. As a condo owner, you are responsible for everything from the walls in, including your personal belongings, liability risks, and interior finishes.
New Path Insurance specializes in tailoring Condo Owners Insurance policies (HO-6) that fill the crucial gaps left by your HOA’s master policy. We offer comprehensive, affordable coverage to protect your investment from unexpected events, including the frequent threat of South Florida severe weather.
Key Components of Robust Condo Owners Coverage
Unit Property Coverage (Walls-In)
This is the heart of your condo policy. It protects the structural components you are responsible for, which usually includes interior walls, cabinets, fixtures, flooring, and built-in appliances. We assess your HOA’s master policy (which may be “bare walls-in,” “all-in,” or “single entity”) to ensure your policy covers the full replacement cost of your unit’s interior and any improvements you have made. We secure the parts of the building you own and maintain.
Personal Belongings Protection
Personal Liability Insurance
Loss of Use (Additional Living Expenses)
Protect your interior world and personal assets. Get a free, customized quote for Condo Owners Insurance from New Path Insurance today.