Blog
Your unit and your building
Where the building's policy ends and yours begins, and what changes that line: a remodel, a document nobody read, an owner who lives somewhere else. Three notes for whoever owns a unit rather than a house.
Why Brickell Condo Assessments Are Coming Now
Florida gives condo boards until December 31, 2026 to finish a structural reserve study. Once the number exists, the board has to fund it.
Who Pays for the Hotel When Your Building Closes?
Renters insurance pays for a hotel after a covered peril. If the city closed your building for deterioration, the answer is somewhere else.
Does condo insurance cover a special assessment?
Florida law (§627.714) requires at least $2,000 of loss assessment coverage. What it pays — and the three cases where it pays nothing.
How to find where your condo policy has to start
Every building draws the line between the association's policy and yours in a different place. Here is which documents say where, and how to get them.
What a Miami remodel can cost you in insurance
A finished remodel looks like an improvement. To your policy it is a property that changed, and a policy that was never told about it.
Why foreign property owners in Miami overpay for insurance
Owning in Miami from abroad rarely costs more because you are foreign. It costs more because you are buying without being able to see what you are buying.