Master policy quotes from agents who know post-Surfside Florida.

Common questions

• Why is phone required on this form?

  Insurance is the one vertical where a real conversation matters before a quote is meaningful. Agents need to clarify coverage limits, deductible structure, loss-run details, and renewal timing. Association policies do not get written over email tag. A 10-minute phone call separates a serious quote from a placeholder.
• Will I be spammed by call centers?

  No. We only route to Florida-licensed P&C producers who have written community-association policies before. A licensed agent will reach out within 24 hours, bound by FL DFS marketing rules and the disclosure you saw above the submit button. If you're contacted outside that window or feel pressured inappropriately, tell us. We vet every producer in our network.
• Is this a quote site like the consumer comparison apps?

  No. Common Elements Insurance is a marketing service that connects you with a Florida-licensed P&C producer who specializes in community-association coverage. We do not quote, bind, or sell coverage on this site. The licensed agent who contacts you produces real, market-priced quotes through their carrier appointments. Per Florida law, we cannot represent that any specific agent or carrier is 'best' or 'recommended' for you. That determination is yours to make.
• What types of insurance does a community association need?

  Most community associations need six core coverage types: Master Property / Hazard insurance (the physical structure and common areas), General Liability (bodily injury and property damage claims), Directors & Officers (volunteer board members), Umbrella / Excess Liability (additional limits above the base policies), Flood Insurance (especially critical along the Gulf Coast), and Fidelity Bond / Crime coverage (theft and dishonesty by anyone handling association funds). The specific requirements depend on your state law, governing documents, and community characteristics. The agencies we route to write all of these.
• Is community association insurance required by law in Florida?

  Yes. Florida Statute 718 (the Condominium Act) requires condominium associations to maintain certain insurance coverages, including property insurance at replacement cost, liability insurance, and fidelity bonding. HOAs governed under Chapter 720 have different but related requirements. Your declaration almost always adds requirements on top of the statutory minimums.
• What's the difference between admitted and surplus lines insurance?

  Admitted carriers are licensed and regulated by the Florida Office of Insurance Regulation, and their policyholders are protected by the Florida Insurance Guaranty Association (FIGA) if the carrier becomes insolvent. Surplus lines carriers are not admitted in Florida but can write coverage that admitted carriers won't. That makes them common for coastal property, high-value associations, or hard-to-place risks. Many Gulf Coast associations need a combination of both. Surplus lines is not a red flag; it's where the available capacity lives in this market.
• Why is coastal association insurance so expensive?

  Gulf Coast associations face a combination of factors: hurricane and wind exposure, flood risk, aging building stock, rising reinsurance costs, and a litigation environment that has driven many carriers out of the market. SB 4-D and the milestone-inspection regime have also raised the underwriting bar. These factors make coastal association insurance more complex and more expensive than inland coverage. That is why specialist agents matter.
• What is a wind mitigation inspection?

  A wind mitigation inspection evaluates the construction features that reduce your building's vulnerability to wind damage: roof shape, roof covering, roof deck attachment, wall construction, and opening protection (shutters or impact glass). Under Florida Statute 627.0629, these inspections can qualify your association for significant premium credits, sometimes reducing the wind portion of the premium by 20% or more. If you haven't had one done, or if you've replaced the roof or installed impact windows since the last inspection, your agent should commission a new one.
• What's the timing for a master policy renewal?

  Florida master policies typically renew on an annual cycle. The cleanest renewal process starts 90 to 120 days before the expiration date. That window covers loss runs, SIRS and milestone-inspection documentation, deductible negotiation, and carrier selection. If your renewal is inside 60 days, that's still workable but means agents will move faster than usual.
• Do you handle D&O coverage separately from master?

  Both. The form lets you select either or both. Most associations need master property + master liability as one stack and D&O as a separate policy (often a different carrier). A few carriers offer combined products. The agencies we route to write all of these and can recommend what fits your governance posture.
• What about hurricane wind deductibles?

  Hurricane and named-storm deductibles are typically 2 to 10% of the building's insured value in Florida master policies. The deductible structure dramatically affects premium. Tell us your association's risk tolerance and reserve depth in the 'notes' field if relevant. Agents will calibrate quotes accordingly.