Condo Insurance in Lynn Haven and Panama City Beach, FL

Condo Insurance: Coverage Fundamentals

If you live in a condo in Panama City Beach or Lynn Haven, your condo association probably provides some level of rudimentary insurance coverage. Typically, such coverage is limited to one of the following three types of policy:

  • Coverage for the complex’s primary building and common areas

  • Coverage for each building and items within each unit considered to be property of the condominium complex

  • Coverage for each building, individual unit, and any fixtures or improvements to the unit made by the occupant

Condo Insurance Liability Coverage

Condo association coverage also typically features a small level of personal liability coverage. For most occupants, however, this coverage won’t offer sufficient protection against every possible liability.


For example, if a guest suffers an injury or property damage while in your condo, association coverage may not be sufficient to cover the damages—especially if you get sued. Additionally, condo occupants themselves get no coverage at all for injury or property damage. That’s why coverage is so important. Let us help you with your Florida condo insurance policy.

Modern condo building

Know Your Condo Association Coverages

If you’re a condo owner, it’s crucial to know the types and amounts of courtesy coverages provided by your condo association. Understanding those built-in coverages will help you make informed choices regarding condo insurance and the coverages you need to gain maximum protection.

Condo Insurance Protects Your Assets

For most people, buying a condo represents one of the largest investments you will ever make. You wouldn’t dream of not carrying enough coverage on your house, why would condo coverage be any different? Without it, you stand to lose almost everything in a disaster. Like home insurance, a comprehensive condo policy protects your assets, allowing you to more-easily recover and get back to everyday life when disaster strikes. Don’t be caught off guard, get Florida condo Insurance today!

What Does Condo Insurance Cover?

With sufficient condo coverage, you can protect your condo from fires, wind, hailstorms, lightning strikes, theft, and other events not covered by association coverage. 

Let Jessica Lyng Insurance, your Lynn Haven or Panama City Beach, FL condo insurance expert, get you the coverage you need.

What Are Condo Insurance Exclusions?

As with home insurance policies, condo insurance doesn’t cover specific peril types:

  • Floods

  • Earthquakes and mudslides

  • Settling

  • Natural deterioration and neglect

  • Birds, rodents, insects, and domesticated animals

Multi-Policy Condo Insurance Discounts

If you purchase condo insurance through a Jessica Lyng Insurance carrier, you may be eligible for discounts if you’re an existing Jessica Lyng Insurance policyholder. Whether you’re an existing customer with our agency or not, ask about our multi-policy discounts when you bundle condo insurance with other policies.

Contact Jessica Lyng Insurance for a Free Condo Insurance Quote

If you’re shopping for condo insurance anywhere in Florida, we’d be thrilled to hear from you. As an independent Florida insurance agent, we offer free, comparative quotes on condo insurance from multiple insurance carriers, meaning you’ll get the best possible rate. Our ability to comparison shop on your behalf will save you lots of time, too!


If you’re ready to see how much we can save you on condo insurance, call Jessica Lyng Insurance today at (850) 265-6088! For a free online condo insurance quote, please fill out our online quote form on our contact page!

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