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Owning a condo in South Florida—whether it’s your primary residence, a seasonal getaway, or an income-generating rental—comes with its own unique set of risks. From unpredictable weather to complex association policies, protecting your investment means having the right condo insurance in place.
At The Chaisteli Group, we specialize in condo insurance in South Florida, offering personalized, affordable coverage tailored to your specific needs. As a trusted local agency based in Davie, FL, we understand the local regulations, risks, and challenges condo owners face—and we’re here to help every step of the way.
What Does Condo Insurance Cover?
Many condo owners mistakenly assume their association’s master policy is enough. In reality, condo insurance (also known as HO-6 insurance) protects the inside of your unit and more.
Here’s what Florida condo insurance typically includes:
- Interior Structure Coverage (Walls-In): Protects your flooring, cabinetry, countertops, appliances, and built-in fixtures not covered by your HOA’s master policy.
- Personal Property: Covers your furniture, electronics, clothing, and other personal belongings against fire, theft, or damage.
- Loss of Use: Pays for temporary living expenses if your condo becomes uninhabitable due to a covered event.
- Liability Coverage: Protects you if someone is injured in your condo and you’re found legally responsible.
- Medical Payments to Others: Covers medical bills for minor injuries that happen on your property.
- Optional Add-ons: Flood insurance, water backup coverage, scheduled valuables (jewelry, art), and umbrella liability policies.
Your condo is more than just a home—it’s an investment. That’s why comprehensive condo insurance coverage is essential.
All it takes is a phone call
Common Risks for Florida Condo Owners
South Florida is a paradise—but it’s not without its risks. As a local agency, The Chaisteli Group helps condo owners in Davie, Fort Lauderdale, Plantation, and across South Florida understand and prepare for these challenges:
- Hurricanes & Windstorms: South Florida condos are vulnerable to hurricane-force winds, flying debris, and wind-driven rain.
- Flooding & Water Damage: Even if you’re not in a high-risk flood zone, storm surges and plumbing issues can lead to major damage.
- Theft & Vandalism: Vacation and rental units are prime targets for break-ins and theft.
- Fires & Smoke Damage: Electrical fires and kitchen mishaps are more common than you might think.
With tailored condo insurance in Davie, FL, we make sure your policy addresses the specific risks tied to where you live.
Why You Need Condo Insurance—Even If You Have HOA Coverage
Condo associations in Florida typically carry a master policy that covers common areas, the building’s exterior, and shared amenities. But that policy doesn’t protect the inside of your unit—or your personal liability.
You’re responsible for:
- Damage to your unit’s interior
- Loss or theft of personal belongings
- Legal claims made against you for injuries within your condo
Without an individual condo insurance policy, you could be left footing the bill for thousands of dollars in damage—or worse.
The Chaisteli Group helps you make sense of what your HOA covers versus what you need to insure yourself. That way, you only pay for what you truly need.
Why Choose The Chaisteli Group for Your Condo Insurance?
We know you have options—from big-name carriers to online quote tools. But when it comes to protecting your home, local matters. Here’s how we stand out from the best condo insurance companies in Florida:
| National Providers | The Chaisteli Group |
| Call center customer service | Real, local agents who know your name |
| Generic one-size-fits-all policies | Custom plans tailored to your property & budget |
| Slow claims support | Fast, responsive help when you need it most |
| No knowledge of local laws or risks | Experts in South Florida condo insurance regulations |
We don’t just sell policies—we build relationships. With us, you’re not a number. You’re a neighbor.
All it takes is a phone call
Get a Fast, Free Condo Insurance Quote Today
Ready to protect your investment with condo insurance quotes in South Florida that are fast, fair, and personalized? At The Chaisteli Group, we make the process easy:
✅ Free, no-obligation quotes
✅ Local agents who walk you through your options
✅ Same-day coverage in many cases
✅ Serving Davie, Fort Lauderdale, Plantation, Pembroke Pines & more
Call us today at (954) 583-3838 or fill out our quick online form to get started.
FAQs About Florida Condo Insurance
Q: Do I need condo insurance if my HOA already has a policy?
A: Yes. Your HOA’s master policy only covers the building structure and shared areas. You’re responsible for everything inside your unit, your belongings, and any personal liability.
Q: How much does condo insurance cost in South Florida?
A: Prices vary based on location, building type, deductible, and coverage limits. Many of our clients pay between $400–$1,000 annually. Get a personalized quote today.
Q: Does condo insurance cover hurricanes and flooding?
A: Most policies cover hurricane wind damage, but flooding is not automatically included. We can add flood insurance if your condo is at risk.
Q: Can I bundle my condo insurance with other policies?
A: Absolutely. Ask about bundling with auto, umbrella, or flood insurance for discounts and added convenience.
Q: What’s the difference between homeowners insurance and condo insurance?
A: Homeowners (HO-3) covers an entire property structure. Condo insurance (HO-6) focuses on the interior of the unit and your personal liability.
Protect Your Condo—Talk to a Local Expert
Your condo deserves more than a cookie-cutter insurance policy. It deserves protection backed by local knowledge, personalized care, and a team that’s just a phone call away.
Whether you’re in Davie, Fort Lauderdale, or anywhere in South Florida, The Chaisteli Group is here to help you find the right condo insurance coverage—without the stress.
Call (954) 583-3838 or request your free quote online today. Let’s protect what matters most—together.
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