Two policies cover every Florida condominium: the building’s and yours. At Six Fisher Island, here is where one stops and the other starts, and why the date matters.
This page is a framework. Whether the building suits you is a separate conversation. Contact the desk at Miami Dossier for the current position on any building we cover.
The association insures the structure and the common elements under a master policy paid through the budget. The owner insures the inside of the unit, the finishes, contents and liability under an HO-6 policy, bought separately. Where the line sits is in the declaration: in Florida it is usually the unfinished walls, which means your floors and your kitchen are yours to insure.
Six Fisher Island: 3 to 8 bedrooms · from ~3,900 to over ~15,000 square feet.. Finishes of that kind are the owner’s policy.
The Six Fisher Island dossier holds the developer’s published record. Read it against the Kempinski Residences Miami Design District dossier for the nearest comparison.
Windstorm is the premium that moves the budget; the association’s quote is in the first budget and its deductible is a percentage of value, not a fixed sum. Flood is a separate policy, required by lenders in a flood zone and sensible without one; the building’s elevation certificate says where it stands.
Six Fisher Island: Fisher Island · ~650 feet of shoreline, set in ~6.5 acres of gardens · views to Miami Beach, Biscayne Bay, the Atlantic and the Miami skyline.. The position decides the zone; ask for the elevation certificate.
A lender requires proof of insurance before funding; a cash buyer should want it for the same reason. The HO-6 binder is arranged two to three weeks before the closing date with the unit details, and it starts the day the deed records.
What does the master policy cover and what is its windstorm deductible? What is the building’s flood zone and elevation? Which agents have written HO-6 policies in this building? The desk holds the first budget and introduces an agent for the rest.
Insurance is the one cost that is never in the rendering.
Developer materials for Six Fisher Island as carried on the live dossier, verified 2026-09-19. Compiled by the desk at Miami Dossier; figures are approximate and the developer’s.
Contact the desk at Miami Dossier for the documents behind this note, read one to one with you and your advisers.
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We hold no listings and we are not the developer. Contact the desk at Miami Dossier and we will tell you what applies to your situation, what does not, and where we would not proceed. On this topic that means the document before the opinion. Where a question is legal, tax or structuring, we introduce you to advisers who handle that properly rather than answering it ourselves.
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