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 to speak with an Agent

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, our family has pledged to protect families and businesses through personal and business insurance products.  As an Independent Insurance Agent in Arizona, the Insurance Professionals at Greene Insurance Group will review your present insurance coverage and help you compare insurance rates from top-rated insurance companies.  We’ll be your local Insurance Agent and here to answer any questions regarding your insurance coverage or potential claims.  You can trust the Team at Greene Insurance Group for best in class service.  Greene Insurance Group offers insurance in Arizona, Utah and Illinois.

Arizona Independent Insurance Agent

Arizona Independent Insurance Agent

Greene Insurance Group is an locally-owned Independent Insurance Agent in Arizona offering personal insurance and business insurance from top-rated insurance companies.  Unlike many other insurance agencies in Arizona, Greene Insurance Group isn’t owned by an insurance company and we offer insurance from dozens of top-rated insurance companies. We’re a locally-owned Arizona Independent Insurance Agent allowing us to customize insurance coverage to save our clients time and money.

Greene Insurance Group offers Personal Insurance such as:  Auto Insurance, Home Insurance, Renters Insurance, Condo Insurance, Landlord Insurance, RV Insurance, Motorcycle Insurance, Motorhome Insurance, Boat Insurance and more.

Greene Insurance Group offers Business Insurance such as:  Business Liability Insurance, Commercial Property Insurance, Workers Compensation Insurance, Business Auto Insurance, Inland Marine Insurance, Professional Liability Insurance, Commercial Umbrella Insurance and more.

Insurance from Top-Rated Insurance Companies:

Some of the insurance companies we represent in Arizona include:  Auto-Owners, Chubb, Cincinnati, Foremost-Farmers, The Hartford, Liberty Mutual, Main Street-American Family, Mercury, National General-Allstate, Nationwide, Progressive, Safeco=Liberty Mutual, Travelers, West Bend and many more specialty insurance companies.

Some may assume purchasing insurance online or direct from an insurance company offers more savings. We have found this isn’t the case. Clients who compare our insurance quotes, coverage, discounts and features versus those of our competitors, find the insurance quotes and service we provide rival our competitors.

Trusted Choice Independent Insurance Broker

Trusted Choice Insurance Agency in Arizona

Some final considerations when purchasing insurance:

  • Once you purchase insurance, Who will be your point of contact when a question arises or you need to make a change to your insurance coverage?
  • When you reach out to your Insurance Company, what will your experience be?  Will you experience long hold times when you call?  At Greene Insurance, we answer our calls promptly.
  • Insurance rates change from time to time and your needs may change if you move, trade vehicles or have a claim. Does your insurance company or insurance agent offer insurance from other insurance companies? Greene Insurance Group offers personal and business insurance from dozens of top-rated insurance companies.  We save our clients the hassles of shopping for insurance saving you time and money.
  • Some insurance agents or companies require their customers submit a contact request and wait for an email response.  It’s our pledge you will always be our top priority and our licensed insurance agents will answer your call, return messages and respond in a timely fashion.
  • You can trust Greene Insurance Group.  We save our clients time & money. You can relax knowing when you select Greene Insurance Group, we’re working in your interest to help you understand your insurance and coverage and customize it to fit your unique needs.

Once you select Greene Insurance Group, we’ll be your local Arizona Insurance Agent. The team at Greene Insurance Group prides itself with providing best in class service.

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