HOA and Condo Association Insurance at the Jacksonville Beaches

Coastal Insurance Advisors helps condominium association and HOA boards and property managers in Jacksonville Beach, Neptune Beach, Atlantic Beach, Ponte Vedra Beach, Crescent Beach and greater Jacksonville compare association insurance options. Local licensed agent Matthew Underwood writes the full association package, with no extra fee to use our agency. Call to start a quote.

Call Monday through Friday, 9 AM to 5 PM ET · No extra fee to use our agency

HOA and condo association insurance from a Jacksonville Beach agent

We write insurance for condominium associations and homeowners associations at the Beaches and across Florida: master property, wind including wind-only, general liability, directors and officers, fidelity and crime, and association flood. Coverage availability and policy terms depend on carrier underwriting.

As an independent agency, we compare several carriers for master property, liability, D&O, and fidelity and crime. For association flood, we work with Wright Flood, Hartford Flood and Neptune Flood. There is no extra fee to use our agency; the insurance company pays our commission.

To start a quote, call (904) 929-2930, Monday through Friday, 9 AM to 5 PM ET.

What’s in an association master policy

We can quote the coverages below. The right mix depends on the association, the building, the governing documents and carrier underwriting.

Master property insurance

The association’s policy generally covers the buildings and common elements as the policy defines them. For Florida residential condominiums, the association policy generally covers condominium property as originally installed or replaced with like kind and quality, while certain in-unit items remain the unit owner’s responsibility.

Wind insurance, including wind-only

We place wind coverage on master policies and wind-only policies when a property policy excludes wind. A wind-only policy generally covers windstorm and hurricane damage; it does not cover flood. Eligibility depends on each carrier’s underwriting.

General liability insurance

General liability may cover the association’s liability arising from common areas, as the policy defines it. Coverage depends on the policy’s terms, limits and exclusions.

Directors and officers insurance

Directors and officers insurance may cover the board’s management decisions, as the policy defines it. Florida law allows a condominium association to carry D&O coverage.

Fidelity and crime insurance

Fidelity and crime insurance may cover loss of association funds caused by theft or dishonesty by people who control or disburse those funds, as the policy defines it. We write this coverage for condominium associations and homeowners associations, subject to underwriting and policy terms.

Association flood insurance

Flood requires a separate policy. See the association flood section below or get the details on association flood insurance.

Association insurance rates in 2026

As of November 11, 2026, Citizens raised commercial-residential condominium association rates for new and renewal policies effective on or after July 1, 2026, by a statewide average of 7.7% for multiperil and 14.1% for wind-only. These are statewide averages; your renewal may differ.

For many associations in the private market, rates have been easing in 2026. Your association’s price still depends on the building, claims history, inspections, reserves and documentation, so a decrease is not guaranteed.

Many boards go to market about 90 to 120 days before expiration so underwriters have time to review inspections, appraisals and reserve documents. Boards with renewals from January through April 2027 should start now.

If your association is with Citizens

Citizens is Florida’s insurer of last resort. Its July 1, 2026 condominium association rate change went up, while many private-market association rates have been easing. If your association has a Citizens master policy, call us and we’ll compare available private-market options and review the current policy’s coverage, deductibles and price. Carrier underwriting still applies, and a private policy is not always cheaper or better.

Florida association insurance requirements

This is a short summary of Florida law for boards, not legal advice. Your declaration, bylaws and association attorney control the details.

Condominium associations

Every Florida residential condominium association must maintain adequate property insurance, regardless of what the declaration says. The amount may be based on replacement cost from an independent insurance appraisal updated at least once every three years. Policies may include deductibles set by the board at a meeting, consistent with industry standards for similar communities.

The association must also maintain insurance or fidelity bonding for people who control or disburse association funds, covering the maximum funds in custody at any one time. We write fidelity and crime coverage, subject to carrier underwriting and policy terms. A condominium association may also obtain directors and officers and flood insurance.

The condominium master policy generally covers property as originally installed and like-kind replacements, while listed in-unit items remain the unit owner’s responsibility. Learn more about condo unit (HO-6) insurance.

Homeowners associations

Florida law requires an HOA to maintain insurance or a fidelity bond for people who control or disburse association funds, covering the maximum funds in custody. An HOA may waive that fidelity requirement annually by a majority of the voting interests present at a properly called meeting. Chapter 720 does not impose the same adequate-property-insurance requirement that Chapter 718 imposes on condominium associations; an HOA’s property, wind and liability duties usually come from its declaration and bylaws.

Milestone inspections and structural integrity reserve studies

This is a summary of Florida law, not legal advice.

Milestone inspections

Florida requires milestone inspections for residential condominium and cooperative buildings that are three habitable stories or higher. The first inspection is generally due by December 31 of the year the building reaches 30 years of age, based on the certificate of occupancy, and every 10 years after that. A local building official may require the first inspection at 25 years when local conditions, such as proximity to salt water, warrant it.

Phase one is a visual inspection. Phase two is required only if substantial structural deterioration is found. Single-family through four-family dwellings with three or fewer habitable stories above ground are exempt.

Structural integrity reserve studies

A structural integrity reserve study, or SIRS, is required at least every 10 years for condominium buildings that are three habitable stories or higher. It plans reserve funding for major structural items, including the roof, structure, fire protection, plumbing, electrical systems, waterproofing and exterior painting, windows and exterior doors, and other qualifying items.

Associations existing on or before July 1, 2022, that are unit-owner controlled generally had to complete the initial SIRS by December 31, 2025. If a milestone inspection is required on or before December 31, 2026, the association may complete the SIRS at the same time, but no later than December 31, 2026. Boards generally may not waive SIRS reserve funding for budgets adopted on or after January 1, 2025.

When we quote a master policy, insurers often ask for the latest milestone inspection, SIRS and reserve-funding information, along with a current appraisal and wind mitigation report. Have those ready when you call, if you have them.

Association flood insurance

Property and wind policies generally do not cover flood. Florida law allows a condominium association to carry flood insurance, but it does not require it. We write association flood through Wright Flood, Hartford Flood and Neptune Flood.

Only a condominium owners’ association may purchase an NFIP Residential Condominium Building Association Policy, or RCBAP, and at least 75% of the building’s floor area must be residential. Building coverage is limited to the lesser of the building’s replacement cost or $250,000 multiplied by the number of units. Contents coverage for association-owned property may be added. Private flood insurance may also be available, subject to eligibility and underwriting.

Get the details on association flood insurance.

If you own a unit, you still need an HO-6

Unit owners need their own HO-6 policy for in-unit items, personal belongings and loss assessment coverage. Florida law requires unit-owner policies to include at least $2,000 of loss assessment coverage.

Condo (HO-6) insurance quotes.

What to have ready when you call

• Association name and type
• Property address
• Number of buildings, stories and units
• Year built and construction type
• Current master policy declarations, deductibles, limits and renewal date, including a Citizens policy if you have one
• Latest insurance appraisal
• Wind mitigation report, if available
• Milestone inspection and SIRS, if applicable, plus reserve-funding information
• Claims history
• Current flood policy, if any

If some of this isn’t on hand, call anyway.

Your local agent

Matthew Underwood, Licensed Florida Insurance Agent #W427885
Coastal Insurance Advisors
1514 Roberts Drive, Suite B
Jacksonville Beach, FL 32250
(904) 929-2930
Email us: info@coastaladvisors.net
Monday through Friday, 9 AM to 5 PM ET

We serve every Florida county and regularly help boards and property managers in Jacksonville Beach, Neptune Beach, Atlantic Beach, Ponte Vedra Beach, Crescent Beach and greater Jacksonville.

Frequently asked questions

How does our condo association or HOA get an insurance quote in Jacksonville Beach?

Call (904) 929-2930, Monday through Friday, 9 AM to 5 PM ET. Have your association name, number of buildings and units, current master policy declarations and renewal date ready. We write master property, wind, general liability, directors and officers, fidelity and crime, and association flood. There is no online form for association quotes, so a phone call is the way to start.

Does it cost more to buy association insurance through an independent agent?

No. There is no extra fee to use our agency; the insurance company pays our commission.

What does a condo association master policy cover?

In Florida, a residential condominium association’s property policy generally covers the condominium property as originally installed or replaced with like kind and quality, including the common elements. It generally excludes personal property inside a unit and in-unit items such as floor, wall and ceiling coverings, electrical fixtures, appliances, water heaters, built-in cabinets and countertops, and window treatments; those are the unit owner’s responsibility. Coverage still depends on the policy and your governing documents.

What is the difference between the association master policy and an owner’s HO-6 policy?

The master policy is the association’s insurance on the building and common elements. An HO-6 policy is the unit owner’s insurance for in-unit items, personal belongings and loss assessment coverage. Florida law requires unit-owner policies to include at least $2,000 of loss assessment coverage. Unit owners who need an HO-6 quote should ask us about homeowners and condo insurance.

Do you write insurance for homeowners associations as well as condo associations?

Yes. We write master property, wind, general liability, directors and officers, fidelity and crime, and association flood for condominium associations and homeowners associations at the Jacksonville Beaches, Ponte Vedra and in every Florida county.

Can you place a wind-only policy for an association?

Yes. We place wind-only and coastal association policies, including when a property policy excludes wind. A wind-only policy generally covers windstorm and hurricane damage; it does not cover flood. Eligibility and coverage depend on each insurance company’s underwriting rules.

Does Florida law require a condo association to carry flood insurance?

Florida law allows a condominium association to carry flood insurance on the common elements, association property and units, but it does not require it. Many coastal associations still carry flood coverage, often because lenders or the board want the building protected. We write association flood through Wright Flood, Hartford Flood and Neptune Flood.

Are Florida condo association insurance rates going down?

For many associations in the private market, rates have been easing in 2026. Your association’s price still depends on the building, claims history, inspections, reserves and documentation, so a decrease is not guaranteed. Citizens condominium association rates went the other way: statewide averages rose 7.7% for multiperil policies and 14.1% for wind-only policies effective July 1, 2026. If your renewal is coming up, it’s worth comparing.

When should our board start shopping the renewal?

Many associations go to market about 90 to 120 days before the policy expires, because association submissions take time and underwriters ask for inspections, appraisals and reserve documents. Boards with renewals in January through April 2027 should start now. Call (904) 929-2930 and we’ll tell you what to send.

What insurance does Florida law require a condominium association to carry?

Florida law requires every residential condominium association to maintain adequate property insurance, typically based on replacement cost from an independent appraisal updated at least every three years. The association must also maintain insurance or fidelity bonding for everyone who controls or disburses association funds, covering the maximum funds in custody at any one time. The association may also carry directors and officers liability insurance and flood insurance. This is a summary, not legal advice; your board should also follow your declaration and bylaws and consult the association’s attorney.

What are milestone inspections and a structural integrity reserve study?

For many Florida residential condominium and cooperative buildings that are three habitable stories or higher, Florida law requires a milestone inspection when the building reaches 30 years of age, or 25 years if the local building official requires an earlier inspection, and every 10 years after that. A structural integrity reserve study, or SIRS, is required at least every 10 years for those same three-or-more-habitable-story condominium buildings and is used to plan funding for major structural items. Insurers often ask for these reports when they quote a master policy. This is a summary, not legal advice.

Do you write general liability and directors and officers insurance for associations?

Yes. We write general liability and directors and officers insurance for condominium associations and homeowners associations, along with the master property, wind and association flood coverage.

Do you write fidelity or crime coverage for associations?

Yes. We write fidelity and crime coverage for condominium associations and homeowners associations. Florida law requires condominium associations to maintain insurance or a fidelity bond for everyone who controls or disburses association funds, covering the maximum funds in custody at any one time. Homeowners associations have a similar requirement, though an HOA may waive it annually by a majority of the voting interests present at a properly called meeting. This is a summary, not legal advice.

What should our board have ready when we call?

It helps to have the association name, property address, number of buildings, stories and units, year built, your current master policy declarations and renewal date, the latest insurance appraisal, any wind mitigation report, your claims history, and, if they apply, your milestone inspection and structural integrity reserve study. If you have a current flood policy, have that too. If something is missing, call anyway and we’ll walk you through it.

Do you write association insurance outside Jacksonville Beach?

Yes. We write HOA and condo association insurance in every Florida county from our office at 1514 Roberts Drive, Suite B, Jacksonville Beach. We regularly help boards and property managers in Jacksonville Beach, Neptune Beach, Atlantic Beach, Ponte Vedra Beach, Crescent Beach and greater Jacksonville.

Call Monday through Friday, 9 AM to 5 PM ET · No extra fee to use our agency

Email us: info@coastaladvisors.net
1514 Roberts Drive, Suite B, Jacksonville Beach, FL 32250
Matthew Underwood, Licensed Florida Insurance Agent #W427885

Need flood insurance for the association too?
Unit owners: condo (HO-6) insurance