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Condo owners in Florida have a different insurance picture than single-family homeowners, and some rely on Citizens for their unit coverage. Understanding how the pieces fit helps you make good decisions, including about takeout offers.
Your condo association typically insures the building and shared areas through a master policy, while you insure your unit's interior, belongings, and personal liability through your own policy. Knowing where the association's coverage ends and yours begins is key to avoiding gaps.
Condo owners who cannot readily find private coverage may use Citizens, and like other Citizens policyholders they can receive takeout offers from private carriers. Those offers are worth comparing on coverage and price.
Coordinate your unit coverage with your association's master policy, and compare any takeout offer carefully. Learn about Citizens takeout or start a quote.
A side-by-side method for evaluating a Citizens takeout offer that goes beyond premium, covering deductibles, sublimits, endorsements, carrier financial strength, and the assessment risk you leave behind.
Citizens TakeoutIf you switch out of Citizens through a takeout or on your own, an open or future claim follows the date of loss, not your current insurer. Here is how claims, deductibles, and refunds work during the transition.