Condo Insurance in Florida – The Marcus Group
Why Condo Insurance Matters in South Florida
Condominium and townhouse ownership comes with unique risks that standard homeowners insurance doesn’t cover. While your condo association’s master policy typically insures the building and shared areas, it won’t protect your personal property, interior upgrades, or liability inside your unit.
At
The Marcus Group, we provide tailored
condo insurance the entire state of Florida that covers what matters most — from appliances and furniture to renovations and improvements inside your home.
CONDO INSURANCE
What Our Condo Insurance Covers
Interior Unit Coverage
Protects your condo’s interior, including walls, floors, ceilings, and fixtures, against covered risks.
Personal Property Coverage
Covers your belongings, including furniture, appliances, clothing, and valuables.
Liability Protection
Safeguards you if someone is injured inside your unit or you’re held responsible for property damage.
Helps pay for temporary living expenses if your condo becomes uninhabitable due to a covered event.
Loss of Use
Improvements & Upgrades
Covers renovations such as flooring, wall units, or custom cabinetry that your association’s policy won’t cover.
Common Add-Ons & Options
Flood Insurance Add-On
Since condo insurance doesn’t include flood protection, we can secure coverage for South Florida’s high-risk areas.
High-Value Property Endorsements
Extra protection for jewelry, electronics, and collectibles.
Loss Assessment Coverage
Helps pay your share of a covered loss assessed by your condo association.
Who Needs Condo Insurance in Florida?
Condo insurance is especially important for:
- Condo Unit Owners – Protecting your belongings and liability inside your unit.
- Townhouse Owners – Coverage for property not handled by your HOA or association.
- Vacation & Secondary Homeowners – Safeguarding seasonal or short-term use condos.
- Investors & Landlords – Protection when renting out your unit.
Local Risks to Consider
Owning a condo in South Florida comes with unique risks:
- Hurricanes & Windstorms – High winds can damage interiors and common areas.
- Flooding – Not included in condo insurance; requires separate flood coverage.
- Liability in Shared Spaces – You may still be responsible for incidents inside your unit.
- Special Assessments – Unexpected costs passed on by your condo association.
FAQs – Condo Insurance in Florida
What does my condo association’s insurance cover?
Typically, it covers the building structure and shared areas, but not your unit’s interior or personal belongings.
Do I need condo insurance if my association has coverage?
Yes. You need protection for your property, liability, and upgrades inside your unit.
Does condo insurance cover flooding?
No. Flood insurance is a separate policy. We can help you secure coverage.
Can I get coverage for upgrades like new flooring or cabinets?
Yes. Condo insurance can cover improvements you make inside your unit.
Can condo insurance be bundled with other policies?
Yes. Bundling with auto or other policies may save you money.
Protect Your Condo with Confidence
Get the Right Condo Insurance in Broward, Palm Beach & the Entire State of Florida
At The Marcus Group, we’ve helped Florida condo owners protect their units and belongings for decades. With access to multiple carriers, we’ll make sure you have the right coverage for peace of mind.