Condo Insurance That Covers What Your HOA Doesn’t
Protect Your Space, Your Belongings, and Peace of Mind
Your condo association has a master policy—but it usually only covers the building structure. Everything inside your unit is your responsibility. At Josh McDonald Insurance LLC, we help Jacksonville condo owners fill those gaps with the right coverage.
What Condo Insurance Covers
- Interior walls, flooring, and upgrades
- Personal belongings (furniture, electronics, etc.)
- Liability protection
- Temporary living expenses if your unit is unlivable
Why It Matters
Many condo owners assume they’re fully covered—until a claim happens. Without the right policy, you could be paying out of pocket for major repairs or losses.
What We Do Differently
- Review your HOA master policy with you
- Identify coverage gaps
- Compare multiple insurance companies
- Keep it simple and easy to understand
How It Works
- Tell Us About Your Condo – Quick details, only requires a couple minutes
- We Find the Right Coverage – Tailored to your unit and HOA policy
- You Get Protected – Simple, clear, and done right