By Ivan Mora · Florida-licensed real estate agent, License #3454593 · Updated November 12, 2026
An HO-6 is the condo owner's own policy. In a Hollywood condo it typically covers your interior items and improvements the master policy doesn't, your belongings, personal liability and loss of use. Loss assessment coverage helps pay your share if the association assesses owners after a covered loss — for example, its hurricane deductible. Read the master policy's deductibles and the declaration's insurance section first, then ask a licensed agent to explain limits, exclusions and how the HO-6 fits them.
Where the master policy stops
§718.111(11)(f), Fla. Stat. generally places originally installed condominium property and like-kind replacements under the association’s property coverage, along with qualifying association alterations. Original drywall itself is distinct from a wall covering. “Bare walls” is not a reliable substitute for the statutory list.
The statute excludes personal property within units or limited common elements and floor, wall and ceiling coverings, electrical fixtures, appliances, water heaters, water filters, built-in cabinets and countertops, and window treatments within the unit serving only that unit. Those items and their insurance are the owner’s responsibility. Read the policy and declaration with an insurance professional; maintenance responsibility and insurance allocation are not interchangeable.
The parts of an HO-6 to review
- Dwelling / building property for interior items you're responsible for.
- Personal property.
- Liability, including water damage to units below.
- Loss of use if you can't live in the unit after a covered loss.
- Loss assessment, with attention to whether it applies to windstorm deductible assessments.
Sizing loss assessment coverage
§627.714(1), Fla. Stat. requires policies issued or renewed on or after July 1, 2010 to include at least $2,000 of property loss assessment coverage for assessments arising from the same covered direct property loss, with a deductible no greater than $250 per direct loss. No loss-assessment deductible applies when a deductible was or will be applied to the owner’s other property loss from the same event.
This minimum does not cover every assessment: a repair-funding assessment without a covered insured loss is different. Under subsection (2), the relevant limit is the one in effect one day before the occurrence; increasing it after the loss does not increase coverage for that event. Ask your agent about windstorm-deductible assessments, exclusions, limits and master-policy deductibles rather than assuming $2,000 is sufficient.
Shopping for an HO-6?
I'll help you get the master policy details your agent needs.
Tell me the building and I'll help you request the declarations page and deductibles. Call or text 8am–6pm, 7 days a week.
Before closing
- Get the master policy declarations page and deductibles.
- Get the declaration's insurance and maintenance sections.
- Ask an insurance agent for an HO-6 quote using both.
- Confirm your lender's HO-6 and flood requirements. Check the flood zone on FEMA's Flood Map Service Center.
Sources and scope
- Florida Statutes §627.714 — Loss assessment minimum, deductible and pre-loss coverage limit
- Florida Statutes §718.111(11) — Insurance — Master vs unit-owner insurance allocation
- Florida Office of Insurance Regulation — Consumer orientation
- FEMA Flood Map Service Center — Flood zone lookup
Statutory text checked November 12, 2026. Educational guidance, not legal, engineering, lending or insurance advice. Building-specific deadlines, repairs, funding and coverage require current documents and qualified professional review. No association costs, inspection outcomes or insurance quotes are assumed.