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Published by Bright Coast Insurance
Condo association insurance in Florida
A clearer renewal starts with a complete picture of your buildings. Bring your board’s property, wind, flood and liability questions to Bright Coast for a master policy quote.
A licensed Bright Coast agent quotes you directly
Last checked 2026-11-01 against Florida OIR, OpenFEMA and official Florida sources.
Build a master policy submission the board can compare
Start with the association’s property schedule, current declarations, replacement-cost appraisal and loss runs. Ask for a written comparison of limits, deductibles, exclusions and proposed terms.
List each building separately, including construction, roof updates, occupancy and shared facilities. Keep completed repairs separate from planned projects so the submission describes the property as it stands today.
Connect insurance, inspection and reserve records
Florida §718.111(11) requires adequate condominium association property insurance and addresses how replacement cost is determined. Have counsel review the insurance scope alongside your declaration.
Source: Florida Senate · 2026 §718.111(11), insurance — Checked: 2026-11-01
SB 4-D and SB 154: use the current rules
SB 4-D introduced milestone inspection requirements for certain condominium and cooperative buildings; SB 154 revised who must obtain those inspections. Review the current statutes and DBPR guidance with your engineer and counsel before deciding what applies to your buildings.
Source: Florida Senate · SB 4-D (2022), Building Safety · Florida Senate · SB 154 (2023), Condominium and Cooperative Associations · Florida Senate · 2026 §553.899, milestone inspections · Florida Senate · 2026 §718.112, structural integrity reserve studies · DBPR · Condominium and cooperative FAQs — Checked: 2026-11-01
Keep the reports together
Milestone inspections are addressed in §553.899; structural integrity reserve studies are addressed in §718.112. These are separate subjects. Share applicable reports and repair updates with your agent; ask your engineer and counsel about building-specific obligations.
Source: Florida Senate · 2026 §553.899, milestone inspections · Florida Senate · 2026 §718.112, structural integrity reserve studies — Checked: 2026-11-01
Association insurance
Find your association guide
Asked every week
Quick answers
Is this a unit owner’s condo quote?
This intake is for the association’s master policy. A unit owner seeking personal condo coverage can call (239) 475-0361 to discuss a separate quote.
Can I use the NFIP medians to budget the master policy?
No. The site’s single-family federal flood medians do not price association property, wind, liability or a condominium flood policy. Request terms for your buildings.
What should we do with a compliance question?
Keep the relevant notice and reports together and ask association counsel to review the cited statute. Your insurance agent can help with coverage questions; a quote does not establish compliance.
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Put your association renewal in motion
Share your association name and contact details. A licensed agent will help assemble the master policy submission.
Or call (239) 475-0361