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Talk to a Specialist →Two Insurance Models
Condo (HO-6): Legacy condo communities with all-inclusive HOAs carry a master building policy. You need only an HO-6 policy covering personal property and interior improvements. Cost: $35–$60/month. The building policy cost is embedded in your HOA.
Full homeowners (HO-3): SF and attached-villa communities require a full homeowners policy covering structure, liability, and personal property. Cost: $180–$400+/month depending on home value, roof age, construction type, and flood zone.
The Roof Factor
Roof age is the single biggest variable in Florida homeowners insurance pricing. A roof under 10 years old qualifies for the best rates. A roof 15–20 years old may face surcharges or coverage limitations. A roof over 20 years may make the home uninsurable with standard carriers, requiring Citizens Insurance (Florida's insurer of last resort) at premium rates.
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Budget Projections
Florida insurance has been increasing 10–20%+ annually. A $250/month policy today could be $350–$400/month in 3 years. Build annual insurance inflation into your retirement budget. This is the cost that surprises the most Northeast transplants — New York and New Jersey homeowners insurance is dramatically cheaper than Florida's.
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