Cave Creek, AZ Condo Insurance

Call 480-657-2800 for Cave Creek, AZ Condo Insurance Quotes

Shopping for Cave Creek, AZ Condo Insurance?

Shopping for the right Condo Insurance coverage can often be a confusing experience.  The Insurance Professionals at Greene Insurance Group will help you navigate the many questions that surround condo owners.

Call (480) 657-2800 for Free Insurance Quotes

Condo Insurance Coverage Options

Building Property

Building property coverage is also known on condo insurance policies as Coverage A. *Building Alterations, additions and improvements to your unit as well as fixtures and equipment installed as part of the building are typically your responsibility and should be insured under your own condo insurance policy. If you are unclear, review your condo association documents.

Personal Property

This condo insurance coverage protects personal property in your home like clothes or furniture. It also provides protection for your personal property with you while away from home in many places throughout the world. In the event of loss or damage of any of your private property within the condo, you are responsible for it. Our recommendation is to calculate all your personal belongings inside your unit for replacement cost, which is the cost to replace the item, not its depreciated value. This would be everything from your socks to your flat panel TV and everything in between.

Loss of Use Coverage

Should a fire, explosion, tornado or other insured loss severely damage your unit, you could need a substitute place to stay. Loss of Use coverage will cover the necessary increase in cost to maintain your standard of living. The amount of coverage is either a dollar value or may be limited to your actual costs for up to a specified time.

Personal Liability Protection

Personal liability coverage protects you if others make a claim or bring suit against you for bodily injury or property damage for which you or a member of your family are responsible, either in your home or elsewhere and to which coverage applies.

In addition to settlement costs, this coverage may pay defense costs and court costs — even if a suit brought against you is groundless.

It is essential that you select liability limits high enough to protect your assets.

If you need more protection than your regular policy limits, consider a personal liability umbrella policy.

Guest Medical Protection

This coverage pays medical expenses up to the limits in the policy for people who are on your premises with your permission and accidentally injured. The coverage also extends to people accidentally injured by your activities. However, the coverage does not pay for medical expenses for you or members of your family that live with you.

Loss Assessment Coverage

Loss Assessment Coverage when you live in a condominium is very important.  Ask us why.

Not all Arizona Condo Insurance policies are the same

In many condo communities in Scottsdale and surrounding areas, the condo association insures the basic building and exterior (walls, roof, floors, elevators) but leaves you the responsibility of insuring appliances, flooring such as tile and carpeting, cabinets, wall coverings, light fixtures, appliances, and other items in your unit, and in some instances the interior wall). Again, we cannot emphasize this enough, review and retain a copy of your condo association’s master insurance policy and CCR’s to determine the specific coverage their policy will provide in the event of a loss.  Know your coverage.

Important steps you will want to take before your purchase condo insurance

  1. The first and most important step is to obtain a copy of your Condo Association’s master insurance policy from your Realtor or Condo Association or Management Company.
  2. Review the association’s master policy to determine what coverage (if any) the condo association’s master policy you will need to provide for your condo.  It is important to note that many association insurance policies only provide basic property coverage for the exterior structures and liability coverage for the common areas.
  3. Purchase an condo insurance policy or commonly referred to as an HO-6 policy.  This type of policy can provide building property coverage for the interior of your unit at your specified limit (commonly referred to as walls-in coverage).  It can also provide personal property coverage for your personal belongings such as clothing, furniture, bedding, kitchenware, and electronics.  Additionally, a condo insurance policy can provide medical payments to injured guests visiting your condo, additional living expenses (if a covered loss occurs and your unit is unlivable) and personal liability protection coverage in case of a lawsuit to protect you and your family members.

Bundle & Save on your Condo and Auto Insurance

When you package your Cave Creek Condo Insurance and Cave Creek Auto Insurance together, you can save up to 30%.

Greene Insurance Group

Greene Insurance Group – Arizona Insurance Agency

Providing Best in Class Service

Since 1962, three generations of our family has pledged to protect families and businesses through personal and business insurance products.  As an Independent Insurance Agency in Arizona, Greene Insurance Group will review your present insurance coverage and help you compare insurance rates from dozens of top-rated insurance companies.  Greene Insurance Group will be your local Arizona Insurance Agent and we’ll be here to make any changes to your policy, answer questions regarding your insurance coverage or potential claims.  You can trust the team of professionals at Greene Insurance Group for best in class service.

Greene Insurance Group - Arizona Independent Insurance Agent

Arizona Independent Insurance Agent

Greene Insurance Group is a locally-owned and Independent Insurance Agent in Arizona.  We go to work for you exploring the best coverage and rates for your personal and business insurance needs.  We don’t work for an insurance company, We’re an Independent Insurance Agency and we work for you!

We customize Insurance Quotes to fit our client’s and their individual needs.

We Save Our Clients Time & Money
The Licensed Insurance Professionals at Greene Insurance ask our prospective clients a series of questions and then carefully begin the search to find the best coverage and rates from top-rated insurance companies.  We don’t charge any extra fees for our services unless it is a commercial Excess & Surplus Lines policy.

If I buy insurance online, can I save more money?

Some may assume purchasing insurance online or by phone from an insurance company may offer more savings.  Most of our clients have found this isn’t the case and could place their families or businesses at risk.  At Greene Insurance Group, our licensed insurance professionals will help you with finding the best coverage and protection for your family and business assets.  Saving money is important, but being well protected in the event of a claim is more important. The team at Greene Insurance offers personalized service from real people.  We answer our phones and work for our clients in a professsional office setting to protect your personal and business information.

Client Testimonials & Reviews