Condo living in Panama City Beach offers unparalleled views, but it also comes with unique insurance complexities. In 2026, new Florida regulations like the "Condo Safety Act" make it essential to bridge the gap between association master policies and your personal liability. Our guide explores the critical role of HO-6 policies, loss assessment coverage, and "walls-in" structural protection. At Jessica Lyng Insurance, we help you navigate these shifting tides so your coastal lifestyle remains secure and your investment protected.