The top-rated condo insurance agent in Gainesville, Florida is Ken Castellani - GEICO Insurance Agent, rated 4.8 stars across 1,346 reviews. Other highly rated options include Liberty DSI, Tish Oleksy - State Farm Insurance Agent, Cotton's All Lines Insurance, Inc.. This directory lists 20 condo insurance agents serving Gainesville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Ken Castellani - GEICO Insurance Agent | 3080 SW Archer Rd Suite 10 | (352) 375-2886 |
| 2 | Liberty DSI | 5200-B Newberry Rd | (352) 338-0552 |
| 3 | Tish Oleksy - State Farm Insurance Agent | 6021 NW 1st Pl | (352) 336-8474 |
| 4 | Cotton's All Lines Insurance, Inc. | 1222 NW 16th Ave | (352) 338-1222 |
| 5 | Tower Hill Insurance | 7201 NW 11th Pl | (352) 332-8800 |
| 6 | Brightway Insurance, The Moffat Agency | 9127 SW 52nd Ave D-103 | (352) 519-1900 |
| 7 | Acceptance Insurance | 1126 N Main St | (352) 244-8378 |
| 8 | Amanda Campbell Agency | 1140 NW 76th Blvd | (352) 758-2720 |
| 9 | John A. Morrison: Allstate Insurance | 2950 SW Archer Rd Ste D | (352) 378-3395 |
| 10 | Aubrey Rogers Insurance | 2400 NW 6th St | (352) 373-2003 |
Ken Castellani - GEICO Insurance Agent in Gainesville, FL offers personal condo insurance policies that protect individual unit owners from common perils such as fire, theft, and liability. Their service includes helping customers select appropriate coverage limits and deductibles, along with annual policy reviews to adjust for changes in property value or personal belongings. They also assist with claims guidance and payment plan options. The agency serves condominium owners, single-family homeowners, and renters, as well as local apartments and retail properties.
Liberty DSI serves condo owners, homeowner associations, and property managers in the Gainesville, FL area by helping them find appropriate coverage for common areas and individual units. The agency understands the specific needs of condominium insurance, including master policy gaps and liability protection. It assists clients in comparing available plans to meet local requirements. Beyond Gainesville, Liberty DSI also provides its services to clients located in the neighboring community of Alachua.
Tish Oleksy - State Farm Insurance Agent serves Gainesville, Florida, and the surrounding Alachua County communities. It handles individual condo insurance policies designed to protect owners in multi-unit buildings, covering interior structures, personal belongings, and liability exposures typically not addressed by the association’s master policy. The agency generally begins each job by reviewing the client’s specific condo association bylaws and HOA coverage limits. It then structures a personal policy to fill any gaps between that master coverage and the policyholder’s financial responsibility for unit improvements, deductibles, and personal assets.
Cotton’s All Lines Insurance, Inc. in Gainesville, FL helps clients decide between paying a single premium to secure a condo policy for a fixed period or opting for ongoing installments that keep coverage continuously in force. The agent focuses on policies that protect both the interior structure and personal belongings, as well as liability risks common in this area. Service for obtaining or adjusting a condo insurance plan runs on a one-time, scheduled, or as-needed basis.
Tower Hill Insurance serves the Gainesville, Florida area as a condo insurance agent. The agency assists condo owners in securing specialized coverage that aligns with local association requirements and individual unit protection needs. Policies typically address interior structural damage and personal liability within multi-unit buildings. Common tailored options include loss assessment coverage for building improvements, personal property protection against theft or damage, and strategic liability limits. By focusing on these specific plans, Tower Hill Insurance helps clients navigate the unique risks of condo living in north central Florida.
Brightway Insurance, The Moffat Agency specializes in helping Gainesville condo owners understand their master policy coverage and secure individual unit insurance for personal property and liability. The agency guides clients through obtaining appropriate loss assessment protection and the right dwelling coverage for interior fixtures and improvements. It also assists with navigating the complexities of deductibles and association requirements. Before hurricane season begins, the agency reviews policies to ensure clients have adequate windstorm coverage.
Acceptance Insurance serves Gainesville condominium owners seeking coverage for their individual units and personal property. It also assists property managers requiring policies for common areas and shared building structures. The company addresses typical condo insurance needs such as liability protection, loss assessment coverage, and dwelling contents. Residents appreciate having a local option for explaining coverage differences between master policies and unit owner policies. Acceptance Insurance additionally extends its services to nearby Alachua, offering support for condo insurance requirements throughout the broader Gainesville metro area.
Serving Gainesville and the surrounding communities of Alachua County, the Amanda Campbell Agency handles Condo Insurance for local condo owners. This agency understands the distinct coverage needs related to shared building structures, individual unit interiors, and common area liabilities. Each typical job begins with a thorough assessment of the complex’s master policy to identify gaps. The agency then develops a personalized plan that covers personal property, interior fixtures, and loss assessment responsibilities, ensuring residents are financially protected from unforeseen events.
As hurricane season approaches in Gainesville, condominium owners often review their policies for adequate wind and flood coverage. John A. Morrison: Allstate Insurance offers tailored condo insurance to protect interiors, personal property, and liability within a homeowners association framework. The agent works with local policyholders to understand master policy boundaries, ensuring there are no gaps in unit coverage. A thorough initial assessment of the current declaration page and any recent improvements begins the process of updating protection before a storm threatens.
Aubrey Rogers Insurance assists property owners with coverage needs in Gainesville, Florida, and specializes in condo insurance to protect individual units and shared building structures. The agency provides tailored policies that address specific risks common to condominium living, including interior damage and liability concerns. In addition, it can serve commercial clients such as offices, warehouses, and food service establishments with appropriate business coverage.
What Does a a Condo Insurance Agent in Gainesville Cost?
Typical condo insurance premiums in Florida range from 300 to 800 dollars per year for basic HO-6 coverage. Costs increase with higher coverage limits, windstorm endorsements, and flood insurance. Your location in Gainesville and the age of your building also affect the price. This is general information and not insurance advice.
About condo insurance agents in Gainesville
Condo insurance agents in Gainesville help unit owners secure HO-6 policies that cover personal property and interior improvements. Florida law requires condo associations to carry a master policy, but owners need individual coverage for walls-in and liability. Local agents understand Alachua County windstorm risks and can explain how Florida Statute 718 governs your coverage needs.
Frequently Asked Questions
What does a condo insurance agent in Gainesville do?
A condo insurance agent helps you find an HO-6 policy that covers your personal belongings, interior walls, and liability. They also explain how your policy coordinates with the condo associations master policy under Florida law.
Do I need condo insurance if the association has a master policy?
Yes. The associations master policy usually covers only the building structure and common areas. You need your own HO-6 policy for your unit interior, personal property, and personal liability. Florida law does not require you to buy it, but most lenders do.
How does Florida windstorm coverage affect my condo insurance?
Florida requires insurers to offer windstorm coverage, which is often separate from a standard HO-6 policy. Your Gainesville agent can help you find a policy that includes wind and hail coverage, which is important in Alachua County due to hurricane risk.
Condo Insurance Agents in Other Florida Cities
Altamonte Springs · Apopka · Belleview · Boca Raton · Bonita Springs · Boynton Beach · Bradenton · Brandon · Cape Coral · Casselberry · Clearwater · Clermont · Coconut Creek · Cooper City · Coral Gables