The Master Policy Ends
At Your Walls. We Don't.
Your association insures the building. Everything from the drywall in, your finishes, your furnishings, your liability, your assessments, is yours. We make sure that line is covered, precisely.
Since 2013
Carriers Compared
Business Day
Bay & Gulf County
Coverage That Reads the Fine Print
Master Policy Alignment
We actually read your association's master policy, walls-in versus all-in matters enormously, and build your HO-6 to match.
Gulf-Front Expertise
Beachfront towers, bay-side mid-rises, golf course villas, we've written them all and know which carriers want each.
Assessment Protection
When the association levies a special assessment after a storm, loss assessment coverage keeps it from landing on you.
20+ Carriers, One Call
Independent means we work for you. We shop the market and present the strongest options, plainly.
Where the HOA Stops and You Begin
Condo insurance lives and dies on one question: what exactly does your association's master policy cover? Some cover the building down to the original fixtures. Others stop at the bare walls, meaning your cabinets, flooring, countertops, and every upgrade are your responsibility from day one.
Guess wrong and a single incident, a slab leak, a kitchen fire, hurricane water intrusion, can turn into a six-figure surprise. We review your association documents and build an HO-6 policy that picks up precisely where the master policy stops. No overlap you're paying twice for, no gap you discover after a loss.
- Dwelling (walls-in): interior finishes, fixtures, and improvements you own
- Personal property: furnishings, electronics, and everything you'd move out with
- Loss assessment: your share of association losses that exceed the master policy
- Liability & loss of use: guest injuries and temporary housing during repairs
A condo policy is a boundary line.
We make sure yours is drawn exactly right.
Your Condo Policy, Properly Built
Four pillars of a condo policy that actually performs when called on.
Interior & Improvements
From the paint to the Italian tile you installed last spring, interior finishes and upgrades are covered at replacement cost, matched to your master policy's boundary.
Contents Coverage
Furniture, art, electronics, wardrobe. We'll help you set a realistic limit, and schedule individual high-value pieces where it makes sense.
Loss Assessment
After a major storm, associations frequently assess owners for the master policy deductible. This coverage absorbs your share instead of your savings.
Liability & Displacement
If a guest is injured in your unit, or a covered loss puts you in a hotel for two months, the policy carries the cost.
What Our Neighbors
Are Saying
Daffin Insurance has been nothing short of amazing. They found us better home coverage at a lower rate than we had been paying for years. Local, honest, and genuinely helpful.
When our business needed commercial coverage quickly, Daffin came through same day. Real people, real answers. I would not trust anyone else with our Gulf County business insurance.
After Hurricane Michael I needed flood and wind coverage fast. Daffin walked me through every option with patience and zero pressure. They truly care about this community.
How Condo Owners Save
Bundle Policies
Condo plus auto, or condo plus umbrella, earns meaningful multi-policy credits.
Building Credits
Gated entry, sprinklers, impact glass, and newer construction all translate into lower premiums.
Higher Deductible Strategy
Pairing a sensible deductible with strong loss assessment coverage often nets out cheaper.
Seasonal Occupancy Honesty
Snowbird unit? Tell us. The right carrier for part-time occupancy beats the wrong carrier's surcharge.
Condo Insurance,
Asked and Answered
What's the difference between a walls-in and all-in master policy?
What is loss assessment coverage, and do I really need it?
Does my condo policy cover hurricane and flood damage?
How much walls-in coverage do I need?
I rent my condo out part of the year. Does that change things?
Get a Condo Policy That
Matches Your Master Policy
Send us your association's declarations and five minutes of your time. We'll come back with options from twenty-plus carriers, explained in plain English.
Daffin Insurance provides HO-6 condo insurance to unit owners in Panama City, Panama City Beach, Port St. Joe, Bay County, Gulf County, and communities across Florida's Gulf Coast and the entire state.
Talk With an Agent
Panama City Office
Friday: 8:30a-4p
Sat & Sun: Closed
Port St. Joe Office
Sat & Sun: Closed