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HO-3 vs HO-6 in Florida

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HO-3 vs HO-6 in Florida comes down to who owns the walls. A house policy insures the whole building; a condo unit policy insures what the association's policy leaves to you. Buy the wrong one and you either pay for coverage the association already carries or go without coverage you need.

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01The details

HO-3 vs HO-6 in Florida: Which Policy Fits Which Home

The HO-3: A Policy for a House You Own Outright

An HO-3 is the common homeowners form for a single-family house. It insures the dwelling itself, other structures such as a detached garage or fence, your belongings, loss of use and personal liability. You insure the roof, the walls, the foundation and everything inside, because nobody else does.

The HO-6: A Policy for a Condo Unit

An HO-6 is a condominium unit owner policy. The association insures the building under its master policy, and the HO-6 covers your part: the interior items the law assigns to you, your belongings, your liability and loss of use.

Up nextWhere Florida Law Draws the Line for Condos

Why it matters

St. Lucie County homes by the numbers

176,160housing units in St. Lucie County as of July 1, 2025
78.6%of occupied homes are owner-occupied (2020-2024)
$347,300median value of an owner-occupied home (2020-2024)
1996median year a county home was built (2020-2024 survey)

Data: U.S. Census Bureau QuickFacts; U.S. Census Bureau American Community Survey. Last updated 2026-09-28.

02The rules

Where Florida Law Draws the Line for Condos

Under s. 718.111(11), Florida Statutes, the association's property policy must cover the condominium property as originally installed, or replacement of like kind and quality, and it must exclude these items inside a unit that serve only that unit, which become the unit owner's responsibility:

personal property in the unit
floor, wall and ceiling coverings
electrical fixtures
appliances, water heaters and water filters
built-in cabinets and countertops
window treatments

That list is the core of what an HO-6 has to cover.

What the Law Requires in Every HO-6

Under s. 627.714, for policies issued or renewed on or after July 1, 2010, a unit owner policy must include at least $2,000 of property loss assessment coverage for all assessments from the same direct loss, with a deductible of no more than $250. The unit owner policy must also state that it is excess over any other policy covering the same property.

Up nextSide by Side

03The details

Side by Side

	HO-3 (house)	HO-6 (condo unit)
The building's structure	Your policy	The association's master policy
Interior finishes, cabinets, fixtures	Your policy	Your policy (by law)
Your belongings	Your policy	Your policy
Liability and loss of use	Your policy	Your policy
Loss assessments from the association	Not applicable	Your policy, at least $2,000
Flood	Separate flood policy	Separate flood policy

Up nextTownhomes and Villas: Check the Documents

04The details

Townhomes and Villas: Check the Documents

A townhome or villa can be a condominium or a house on its own lot, depending on how the property was created. The declaration and the deed decide which policy fits, not the style of the building. If you are not sure, send the association's name and the address, and the right form gets quoted.

Up nextWind and Flood Apply to Both

05The details

Wind and Flood Apply to Both

Both forms carry a hurricane deductible choice (see the hurricane deductibles guide), and neither covers flood. Citizens' flood requirement does not apply to its condominium unit owners policies, but the flood risk to your interior and belongings is the same either way.

Up nextQuestions

06Questions

Questions

Still wondering?

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I own a condo. Do I need an HO-3?

No. A condo unit owner needs an HO-6 that works alongside the association's master policy. An HO-3 is written for a house you insure top to bottom.

Does my HO-6 cover the building if the association's policy falls short?

The unit owner policy is excess over other coverage on the same property, and loss assessment coverage helps with your share of assessments after a covered direct loss, subject to its limit. The details are in the policy, which is why the master policy and the HO-6 should be read together.

Where do I start?

With the condo insurance page for units, or the home insurance page for houses.