Florida Coastal Insurance
A Specialty Program built for the unique challenges in the Florida market
Insurance coverage for condos in Florida can be a challenging and unique exposure to find a solution. Our program is built specifically to be that solution. We provide windstorm coverage for condominium units in all parts of Florida, including condos located on the coast. The program is backed by disciplined underwriting and a clearly defined appetite so you can be sure condo owners are insured by experts in the market backed by financially strong carrier partners.
What We Cover
Comprehensive Protection for the Unit Owner
Coverage is designed specifically for the condominium unit owner's exposures, including contents and the building improvements and betterments that fall to the unit owner. Optional coverages are available to round out the policy to your client's needs.
Contents Coverage
Protection for your client's personal property within the unit.
Building Improvements & Betterments
Coverage for the upgrades and interior improvements that are the unit owner's responsibility under the condominium association agreement.
Optional Coverages
Tailor each policy with optional coverages to match your client's exposures and expectations.
Our Underwriting Appetite
We write coastal Florida condominium units that reflect modern, storm-resistant construction:
- Wind-resistive construction built to the post-2002 Florida Building Code, or units with opening protections meeting the 2002 Florida Building Code requirements
- Minimum Total Insured Value: Up to $5,000,000 per unit with upon referral
- Maximum Total Insured Value: $2,000,000 per unit
- Building-level cap: Aggregates managed at the county, ZIP code, and building level, with a maximum of $10M TIV per building
If the risk fits these parameters, it’s a risk worth submitting.
FAQs
We know coastal windstorm risk can be complex, so we've pulled together answers to the questions we hear most from our agent and broker partners. And if something isn't covered here, a real person is always just a call or email away.
What does our program cover?
Our program provides comprehensive coverage for eligible condominium risks in Florida, including in coastal areas. It's designed to cover perils including hurricanes and windstorms. Policies cover personal contents as well as walls, doors, built-ins and other structures that are not the responsibility of the condo building. The program also provides coverage for additional living expenses in the event your unit is uninhabitable as well as legal expenses for injuries or property damage to others. Medical coverage for minor incidents in the unit are also covered.
What risks are eligible?
The program targets condominium structures built to the post-2002 Florida Building Code, or older construction that has qualifying opening protections (impact-rated windows and doors, or code-approved shutters covering all openings). Both unit-owner exposures and building/association exposures are eligible, subject to underwriting review.
Who is this program for — unit owners or associations?
Our program is designed to cover individual condo unit owners and condominium associations or building owners. This product covers the personal property and interior of the condominium owner’s unit that they are responsible for rather than the condo building owner/association.
What geographic areas does the program write?
The program is available in the state of Florida including coastal territories.
How do I get appointed to write for Stone Pine Insurance?
The program is distributed exclusively through independent agents and brokers. Reach out through the submit a risk option below on this page to start the appointment process. We'll walk you through the requirements and get you set up to submit business.
What do I need to submit for a quote?
Our easy to use system allows agents to submit, quote and bind coverage in real time. The minimum information needed to quote will be the property address, desired coverage amounts, and documentation of opening protections (impact glazing or shutters) if the building predates the 2002 code. Submissions can be quoted and bound in minutes.
How does opening protection affect eligibility and pricing?
Opening protection is central to how we evaluate wind risk. Buildings constructed before the 2002 code can still qualify if all openings are protected to code-approved standards. Documented impact protection generally improves both eligibility and pricing, since it materially reduces the likelihood of wind-driven damage during a named storm.
What makes our program different from other condominium insurance offerings?
Our program is uniquely designed to provide insurance solutions condo owners in Florida. This specialty focus combined with best-in-class service to agents and insureds, especially at the time of a claim, stands out compared to other options.
Why Partner With Us
- Underwriting built to last. Our focus on code-compliant, wind-resistive construction allows us to provide a long-term stable solution to condo owners in Florida and provide competitive rates with savings that can be passed on to this select group of insureds.
- A specialist partner. Commitment to best-in-class service. We commit ourselves to a culture of service and responsiveness that leads the market. Whether it’s answering a question or responding to a claim, we make it our mission to answer the call and provide a prompt answer or response.