Short answer: Whether a Florida townhouse needs an HO-3 or an HO-6 depends on how the community is legally organized. If it is a condominium under chapter 718, the association insures the building and you usually need an HO-6. If it is a homeowners association under chapter 720 and you own the structure, you usually need an HO-3 that covers the whole building. Nymble Insurance reviews your documents and quotes the right form at (813) 291-3484.
Step one: read your declaration
Your recorded declaration says whether the community is a condominium or an HOA and who must insure the roof, exterior walls and structure. Some HOA communities still buy a master policy on the buildings. Others leave it all to owners.
Condo townhouses (ch. 718)
The association insures the building under §718.111(11) and you insure interior items, belongings, liability and loss assessments. See Florida condo insurance.
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Get Your Free Review →Fee-simple HOA townhouses (ch. 720)
You typically insure the full structure on an HO-3, including your share of the roof and party walls. See Florida homeowners insurance. Coordinate with neighbors on roof replacement, since roof age drives Florida underwriting.
Rental and vacant townhouses
Renting it out needs a landlord DP-3 or, for short stays, a vacation rental policy. An empty unit may need vacant home coverage.
Townhouses Insurance FAQ
Do I need HO-3 or HO-6 for a Florida townhouse?
Who insures the roof on a Florida townhouse?
Can Nymble insure a townhouse I rent out?
Sources
- Fla. Stat. §718.111 (condo association powers, insurance)
- Fla. Stat. ch. 720 (homeowners associations)
Educational information only, not legal advice or a coverage guarantee. Coverage depends on the policy issued. Nymble Insurance, licensed Florida independent agency, license L131669, (813) 291-3484.