COA Solutions of Florida | Florida HOA & Condo Insurance Specialists
Florida HOA & Condo Insurance Specialists

Is Your Community
Overpaying for Insurance?

Most Florida associations are. We find the gaps, eliminate the excess, and save your community real money — with a free policy review that costs you nothing.

Get My Free Policy Review → See Real Results
Don’t Take Our Word For It

Real Communities.
Real Savings.

Actual premium reductions for Florida HOA, condo, and POA communities. Community names withheld to protect privacy.

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Free Education

Learn From the Experts

Free webinars for Florida board members and CAMs — insurance, compliance, reserves, and more.

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How We Help

More Than a Broker.
Your Insurance Partner.

We work exclusively with Florida HOAs, condo associations, and rental property owners. This is our focus — not a side business.

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Free Policy Review

Upload your policy and we’ll identify coverage gaps, redundancies, and savings opportunities. No cost, no obligation, no BOR letter — ever.

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Florida Compliance Check

We verify your coverage meets the latest requirements under Florida Statute 718 and 720, protecting your board from personal liability.

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Independent Broker

We represent multiple carriers and shop the full market. No single-carrier bias — our only obligation is to your community.

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Daniel Baum, COA Solutions of Florida
Who You’re Working With

Daniel Baum

Principal & Founder — COA Solutions of Florida
Licensed Florida Insurance Broker · Ascend Risk Advisors

COA Solutions specializes exclusively in Florida HOA, condo association, and rental property insurance. Every review is free, no BOR or AOR letter is ever required, and our only obligation is to your community’s best interest.

“My goal isn’t just to save your community money on day one. It’s to become the broker you trust enough to call first — every time something changes.”

— Daniel Baum
Learn more about us
Common Questions

Florida HOA & Condo Insurance — FAQ

Do I need to sign a BOR or AOR letter for a free review? ▼
No — and you should be skeptical of any agent who says otherwise. A BOR/AOR letter transfers your policies to a new broker immediately. COA Solutions will never ask you to sign one. We review your policy, share our findings, and you decide what to do next.
Is the policy review really free? ▼
Yes — completely free, no obligation. We review your coverage, give you our honest findings, and you decide what — if anything — to do next. If you’re already in good shape, we’ll tell you that too.
How much should a Florida HOA or condo pay for insurance? ▼
It depends on building age, construction, location, and insurable value. What we know from our reviews: many Florida associations are overpaying by 15–65%. The only way to know for certain is a competitive market review — and ours is free.
What does Florida law require for condo association insurance? ▼
Florida Statute 718.111(11) requires condo associations to maintain property insurance at full insurable replacement value including windstorm. Recent legislation on milestone inspections, SIRS requirements, and Citizens eligibility adds further requirements. We verify all of this on every free review.

Ready to Find Out What
Your Community Could Save?

Free policy review. No BOR letter. No obligation. Results in 24 hours.

No cost, no obligation Results in 24 hours No BOR or AOR letter Florida specialists only
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