As they're shopping for condo insurance, Florida residents who rent or own condominiums have to think about many of the same kinds of coverage options as those residents looking for insurance for traditional detached homes.
Such coverage options a condo owner or renter will need to consider might include:

• Protection for the condominium's structure.
  
• Coverage for the owner's or renter's personal belongings.
  
• Liability coverage to protect the owner or renter in the event someone becomes injured on or within his property.
  

When it comes to condo insurance, Florida residents might also find themselves looking at insurance related to or required by the complex or association to which their condos belong.
These are details each renter or owner will need to discuss with his or her complex manager or association head and might include coverage for shared structural components and common areas.
For Flood Coverage with Condo Insurance, Florida Residents Turn to FEMA Many parts of Florida are hit pretty hard during hurricane season - especially those located to Florida's beaches.
Unfortunately, whether it's home insurance or condo insurance, Florida folks usually can't add flood coverage to their policies.
(Note that this is a nationwide issue, and not something specific to Floridians.
) Fortunately, the Federal Emergency Management Agency, also known as FEMA, maintains a program called the National Flood Insurance Program.
This program does cater to people who rent or own condos in Florida and, typically, the manager of your condominium complex or association will provide each renter or owner with details about opting into the program.