Know every unit is insured,
without chasing a single dec page.
Owners email or upload their declaration page. AI checks it against your association’s requirements in seconds. Reminders go out 30, 7 and 1 day before a policy expires. You see who’s covered, expiring, or lapsed on one board — instead of in a filing cabinet.
Unit owner? Got our postcard? Start here →
Everything your board or management team needs to prove every unit is covered.
See your whole building at a glance
Every unit’s status in one live view — active, expiring, lapsed, or missing.
The dec page reads itself
Our AI reads each declaration page and checks it against the requirements your association sets — coverage minimums, wind, named insured, address, and whether the policy is in force. You only look at the ones it flags.
Owners just forward the email
No login needed — an owner forwards their insurer’s email from the address on file, and we pull the declaration page, parse it, and attach it to the right unit.
Every shared document, in one place
Master policy, wind mitigation, flood dec pages — shared with every owner, always findable.
One lapsed unit can become everyone’s problem.
A claim on an uninsured unit can fall back to the master policy — and every owner’s premium.
Policies expire on their own schedule. Nobody tells the board until there’s a claim.
Declaration pages live in inboxes and filing cabinets, never where you need them.
Not sure what your association can actually require? We wrote the reference: what Florida law puts on the association vs. the unit owner, why loss assessment coverage rarely covers what boards assume, and where milestone inspections and SIRS stand now.
From a guess to a dashboard, in five steps.
You bring the association. We build your unit list from public records, then automatically track every owner’s HO-6 coverage.
Request your setup
Your name and email, plus the association’s name, address, and number of units. Management firms skip this step and set up their own account.
We build it out for you
A person on our team assembles your unit and owner list from property-assessor records, then emails your invite.
Review owners, send invites
Check the list, fill any missing emails, and send each owner a link tied to their unit.
Owners send their declaration page
Owners upload or email their declaration page, and our AI does the rest—instantly reading it, verifying coverage against your requirements, and updating their compliance status. You only review the ones it flags.
Watch the board stay green
See every unit’s status at a glance. Automated reminders go out 30, 7, and 1 day before renewal — and again if a policy lapses. Board-ready reports go out monthly.
Priced by the unit. Built to grow.
Simple per-unit pricing with volume discounts as your portfolio grows. Every feature is included, regardless of size. Work out your exact cost →
- Real-time compliance board
- AI declaration-page review
- Owners can email in declaration pages (no login required).
- Automated renewal reminders
- Shared document center
- Unlimited owners and administrators.
Managing more than one association?
Every association you manage on one firm dashboard — KPIs, lapses, and uploads needing review across the book.
Owner, manager, and member roles with per-manager assignments — staff see their book, not the whole firm.
One consolidated subscription, or each association pays its own way at your firm bulk rate — no monthly minimum.
How firms run it day to day: HO-6 compliance tracking for property managers.
Built by a Florida condo insurance agency.
condo.insure comes from the team behind universalcondo.com, a licensed Florida insurance agency. HO-6 policies, declaration pages, and association insurance requirements are our day job — so the checks the software runs are the ones an agent would run by hand.
We’d rather tell you up front than have you find it in the fine print: yes, we sell insurance. Here’s exactly how that touches your association.
Coverage minimums, wind, named insured, property address, policy in force — the requirement checks were designed by people who read dec pages every day.
Owner reminder emails include an optional link to request a free quote from our agency. Owners can keep any carrier and any agent — compliance never depends on where a policy is bought.
We never sell owner or association data. Read our privacy policy and security overview.
Answers before you ask
Do unit owners need to create an account?
Not to send in a policy. An owner can email their declaration page to docs@condo.insure from the address your association has on file, and it’s matched to their unit automatically—no login or password. Owners who prefer can set up a free owner login to upload, check their status, and download shared building documents.
What if we don’t have emails for every owner?
That’s normal. We build your owner list from public property records during setup. You can add email addresses over time and invite owners whenever you’re ready.
How long does setup take?
For an association, the request form takes about a minute. Our team builds your unit and owner list from public property records and emails your admin invite within one business day—no spreadsheets or manual imports. A property management firm can create its account and start adding associations right away.
Is our association’s data secure?
Yes. An association’s records are visible only to its own administrators and managers (and our support team), and each owner sees only their own unit plus shared building documents. Declaration pages are kept in private storage and opened through short-lived links. Details are in our security overview.
What does it cost?
Most associations pay $1 per unit, per month, with a $50/month minimum. Larger portfolios receive automatic volume discounts. No setup fee, and you can start free.
We manage multiple associations — does this work as a portfolio?
Yes. A property management firm gets one dashboard across every association it manages, with role-based access for staff and per-manager assignments. Billing is either one consolidated subscription for the firm or each association paying its own way at the firm’s bulk rate. Set up at condo.insure/signup/firm.
What insurance does it track?
Unit-owner HO-6 policies. Our AI reads each declaration page and checks it against the requirements your association sets—Coverage A and liability minimums, wind/hurricane coverage, that the policy is in force, and that the named insured and property address match the unit.
Who’s behind condo.insure—and will you try to sell our owners insurance?
condo.insure is built by the team behind universalcondo.com, a licensed Florida insurance agency. Owner reminder emails include an optional link to request a free HO-6 quote from our agency. Owners can ignore it and keep any carrier or agent—compliance never depends on where a policy is bought. We never sell owner or association data.
Put your whole association on one dashboard.
90 days free, no credit card. Boards: request a setup and we’ll email your invite within one business day. Firms: create your account and start now.
Guides & tools, no signup required.
Reference material on Florida condo insurance, cited to the statutes and the regulators — plus two calculators you can use right now.
Association vs. unit owner under § 718.111(11) — and why Florida repealed its HO-6 mandate in 2010.
Florida lawThe post-Surfside chain from SB 4-D to HB 913, current deadlines, and the coastal rule that no longer exists.
CalculatorYour master deductible split across units, against the $2,000 minimum most owners carry.
CalculatorYour association's exact monthly and annual cost. No email address required.
Property managersRequirement profiles, renewals, staff, and board reports across a portfolio of associations.
ChecklistOne printable page: what to require, collect, verify, and track.
FundamentalsThe six fields an association actually checks — and how a dec page differs from a COI.
Buyer's guideTwelve questions to ask any vendor — including us — and the red flags to watch for.