Condo Insurance in Florida

At Runnels Insurance in Brandon, FL, we offer condo policies with comprehensive coverage you can count on when you need it most, not the bare-bones coverage some others offer. We understand that every customer is unique. That’s why we have a wide selection of coverage at competitive rates that will meet your specific needs.

Many condo owners think that their condominium association’s insurance will keep them covered in the event of a catastrophe. Look around the walls of your condo. In many cases, it's only what is outside the walls that is covered by the association.

Of course, Runnels Insurance knows that what is inside those walls is what is most important to our customers, so we offer condo insurance that covers your unit and belongings for adverse events like a fire or burglary, and liability for accidents that occur in your home.

Coverage Options

Your Dwelling limit should provide enough coverage to replace the building items you are responsible for under your association’s bylaws. Typically this includes the flooring, cabinets, paint, and possibly drywall, electrical, and plumbing pertaining to your unit. Any alterations, appliances, fixtures, and improvements you make should be factored into this limit.

For an additional premium, you can select Special Coverage for your condo unit’s building items, giving you coverage for a larger number of events. You can also add additional coverage based on your lifestyle, including Golf Cart Coverage and Unit-Owners Rental to Others (if you rent your condo to an annual tenant).

Review Your Condo Policy

What are some things unique to you as a condo owner?

• If your building or unit has burglar or fire alarms, or a sprinkler system, you might be eligible for a premium credit. Provide your agent with a copy of the current monitoring certificate to see if you are eligible.
• If a storm damages the common areas of your condominium complex, your association may assess all the owners to pay for the damage or to cover the master policy’s deductible. To protect you, your policy contains Loss Assessment coverage. Different limits of coverage are available.
• Also, depending on the construction type of your building, you might be eligible for Windstorm Loss Mitigation Credits.