Your Florida HO-6 Condo Policy Explained | What Every Condo Owner Must Know

Описание: Your Florida HO-6 Condo Policy Explained | What Every Condo Owner Must Know

If you’re buying a condo in Florida, chances are your lender has mentioned HO6 condo insurance and you’re wondering what it actually covers. In this video, Allen Hovis breaks down your Florida HO6 condo insurance declaration page in simple, easy-to-understand terms so you know exactly what you’re paying for and why it matters.

We go line by line through a typical HO6 policy, explaining key sections like dwelling coverage, personal property, loss of use, liability, deductibles, premiums, endorsements, and lender requirements. You’ll also learn how your individual condo policy works alongside the condo association’s master policy, which is one of the most common areas of confusion for Florida condo buyers.

Whether you’re a first-time buyer, an investor, or an existing condo owner reviewing your insurance, this video will help you better understand what is covered, what is not, and how to avoid costly surprises. If you have questions about your specific policy, always review your declarations page or speak directly with your insurance agent.

Allen works in the Sarasota and Bradenton real estate markets and has referral partners throughout Florida. Contact information and additional resources are available below.

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About Allen Hovis:
Allen Hovis is a Florida real estate broker, contractor, and property insurance agent helping homeowners and buyers navigate the Florida housing market with confidence.

📞 Contact Allen Hovis
Visit my website: https://www.allenhovis.com/
Phone: 941-780-6567

Don’t forget to Like, Comment, and Subscribe to Allen Hovis for more real estate and home insurance tips!

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Timestamps:
00:00 – Intro
00:28 – Buying a condo in Florida
01:02 – Policy number and insured details
01:51 – Coverage summary explained
03:01 – Deductibles in Florida
03:20 – Premiums and endorsements
03:59 – Reviewing your HO6 policy
04:18 – Like, subscribe, and referrals

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