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Renters & Condo Insurance
Renters: your stuff, your liability
The landlord's policy covers the building - not your furniture, electronics, clothes, or the liability if someone is hurt in your unit. A renters policy covers all of it, usually for a few hundred dollars a year.
Condo: from the drywall in
Your association's master policy usually stops at the bare walls. An HO-6 policy covers your interior, upgrades, belongings, liability, and loss assessments from the association - a gap most condo owners discover at the worst time.
Water damage is the real risk here
In South Florida condos and rentals, the most common claim is water - a neighbor's leak, an AC line, a burst hose. We make sure your policy handles water damage and loss of use so a soaked unit does not mean a wrecked year.
What an independent broker does for you
As independent brokers we are not tied to one company. We shop multiple carriers, compare the quotes side by side, and place you with the one that fits your situation and budget. When the market moves, we re-shop it - you should never have to become an insurance expert to be treated like one.