Florida HO-6 Condo Insurance 2026: New HOA Rules & What You Cover

Florida condo owners face new HOA reserve rules in 2026. Learn what your HO-6 policy covers, loss assessment limits, and how to coordinate claims with your master policy.

TL;DR Florida condo owners shopping HO-6 policies in 2026 need to understand three moving parts: what your association's master policy actually covers (bare walls, single entity, or all-in), how the upcoming 15% reserve requirement increases your special assessment risk, and how to coordinate a claim when damage starts in common areas but hits your unit. Your HO-6 policy covers your interior walls in, your belongings, your liability, and—critically—loss assessment coverage that protects you when the HOA levies a special assessment after a hurricane. Most agents quote $25,000 in loss assessment. I'm recommending $100,000 minimum for buildings built before 2002. Here's why, and here's how to structure your policy so you're not writing a five-figure check after the next named storm. What you need Before you call for a quote, gather these documents: Your HOA's master policy declarations page (ask your property manager—you're entitled to see it) Your condo association's current reserve study or budget showing structural reserve percentage Your mortgage lender's insurance requirements letter (if financed) A recent interior photo inventory of upgrades you've made (granite counters, wood floors, built-ins) Your current HO-6 policy dec page if you're switching carriers The square footage of your unit and replacement cost of your belongings You'll also need to know your building's construction year and whether it's passed the milestone inspection required under Florida's structural integrity law. Buildings 30+ years old in coastal zones face recertification—those assessments hit unit owners hard. Step 1: Identify your master policy type Look—here's the thing. Your HOA's master policy is not your policy. It protects the association's interests, and what it covers determines what…