Get the most out of condo insurance.

Sometimes in life, the unexpected happens. Florida Peninsula offers best-in-class coverage options in many of these scenarios. Protect your condo and everything in it against any damage caused by natural disasters. Get your quote today.

You’ve got a condo?We’ve got coverage.

Your condo insurance policy is meant to make you feel safe and secure at all times. Condo insurance policies are designed to protect you, your condo, and any of your personal belongings against unfortunate events including fires, lightning, wind, hail, and theft.

When calamities like these strike, condo insurance helps cover damage caused to your condo, protects your assets, and pays for many associated expenses.

Based on the coverages you choose, you may be eligible for additional expenses including hotel stay if your condo is deemed unlivable.

Condo insurance is built to protect you.

It’s pretty common for Florida residents to choose to purchase a condo instead of a home. When it comes to condos, new buyers are typically required by mortgage lenders to purchase a condo insurance plan, even when the condo building already has their own master policy in place. This policy will protect the interior of your unit as well as your personal belongings. For those without a lender requirement, it is important to note due to the geographic location of our state, one storm could easily handicap a family financially and take years to recover.

Why Florida Peninsula is unmatched.

Options which will allow customized coverage for your specific insurance needs.
Customer Excellence
Our mission is to exceed our policyholders expectations and provide a positive customer experience.
Financial Stability
Ready to provide you with the peace of mind you need should the unthinkable happen.
We strive to provide a fast, fair, seamless, and best-in-class claims experience to our policyholders in their time of need.

Relax, we’ve got you covered.

At Florida Peninsula, we offer condo insurance policies with comprehensive coverages you can count on when you need it most.
Florida Peninsula Insurance - Coverage A - Dwelling Coverage

Dwelling coverage

Coverage for damage to your house and any permanent structures on your property.
Florida Peninsula Insurance - Coverage C - Personal Property

Personal property

Coverage for your personal belongings like furniture, clothing, jewelry, and electronics.
Florida Peninsula Insurance - Coverage D - Loss of Use

Loss of use

Coverage for expenses beyond replacing your physical and personal property.
Florida Peninsula Insurance - Coverage E - Personal Liability

Personal liability

Coverage against medical bills and legal fees if someone happens to be injured on your property.
Florida Peninsula Insurance - Coverage F - Medical Payments

Medical payments

Coverage protection against payments for minor medical bills if someone is injured on your property.

Coverage options for every possibility.

We understand that every customer is unique, so we offer many additional types of coverage for you to choose from.

Add flood insurance to your policy.

With an average of 60 inches of rainfall per year, Florida is more likely to flood than any other state in the nation. Consider adding flood insurance to your policy to maximize your protection.
Florida Peninsula Insurance - Flood Insurance

Need an expert’s opinion?

Speak to an experienced Florida Peninsula agent in your area to discuss the coverage that is right for you.

We understand you may have questions.

Let us answer all your condo-related questions.
Am I required to let the insurance company inspect my home?

Yes.  Inspections are conducted in an effort to identify any possible dangers or risks to the homeowners.  Any issues detected will be communicated to the policyholder and agent to ensure the proper steps are taken to maximize the safety to the homeowner and their family.  Florida Peninsula inspects 100% of the homes we insure.  In the event an interior inspection is needed, a mutually agreeable time and date will be coordinated with the owner.

What coverage is right for you?

A little preparation goes a long way; and we want your coverage plan to fit your needs.  Investing a little of your time making a list of possessions, staying abreast of local building costs, and remembering to meet with your agent annually to review your policy, can help you customize a policy that fits your needs. Here are a few things to consider when outlining your coverage plan:

  • Have local building costs risen?
  • Has your home been remodeled or expanded?
  • Do you know what your insurance deductible is?
  • Do you have money set aside to cover the deductible if you have a loss?
  • Do you have an inventory of your possessions?
  • Do you need additional coverage for assets like jewelry, art collections, fur coats or other expensive items?
  • Do you need coverage for additional living expenses after a disaster?
  • Do you need flood coverage in the event water rises into your home from a lake or storm surge?
  • Do you require animal liability protection should your pet injure someone?
  • Do you need an umbrella or excess liability policy?
Why should you buy home insurance?

Homeowners insurance is necessary when you have a mortgage lender, however, should the unthinkable occur, this coverage will provide you peace of mind and financial stability knowing you can rebuild.

What is Dwelling Coverage?

Dwelling coverage (Coverage A) is the portion of your home insurance policy that covers the cost of rebuilding /repairing your home in the event that it is damaged or lost in a covered peril such as wind, hail, lightening or fire. Separate policies are needed for damages and losses caused by earthquake and flood insurance as these are not covered under standard home insurance policies.

The amount of dwelling coverage that you should purchase should be enough to cover the cost of rebuilding your home in the event of a complete loss. Do not confuse this amount with the market value of your home, as the market value includes the value of your land. Remember that in the event of a disaster, your land will not be lost, only the buildings that stand on it. To determine the replacement value of your home please contact your agent.

Looking for helpful resources to help protect your condo?

Stories and information to help you plan, prepare and protect what matters most.
Protect Your Home While Going on Vacation

Protect Your Home While Going on Vacation

Read some of our tips on how you can protect your home while you go on vacation.
The Importance of Creating a Home Inventory

The Importance of Creating a Home Inventory

Most policyholders do not keep receipts of all their personal belongings. This is why creating a home inventory is one of the most important lists you can make.