Carefree, AZ Condo Insurance

Call (480) 657-2800 for Carefree, AZ Condo Insurance Quotes

Shopping for Condo Insurance can be a confusing experience

The Insurance Professionals at Greene Insurance will help you navigate the many questions that surround condo owners.

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 may 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.

Not all Condo Insurance policies are created equal

In many condo communities in Carefree 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.

Call (480) 657-2800 or (888) 958-5622

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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. If your association requires an assessment onto all unit owners for a certain covered loss, this policy would pay for your share, up to your policy limits.

Bundle & Save Money

When you package your Condo Insurance with your Carefree Auto Insurance, you can save more up to 35%.

Greene Insurance Group

There are 3 ways to purchase insurance – 
  • Direct from the insurance company – Some assume buying insurance direct from the insurance company may offer better rates, but often times they do not. When consumers purchase through a call center, they find themselves waiting on hold in a call queue or waiting for someone on chat. If you purchase online, how do you know you are purchasing the right coverage? Wasting precious time is frustrating. We are Licensed Professionals and we’re here to help!  We answer your calls and questions with Licensed Agents at our local office.
  • Captive Insurance Agents – Captive Insurance Agents offer insurance from one company. (Examples: State Farm, Geico, Farmers, American Family).  They are able to offer insurance from the one insurance company at that company’s rates.
  • Independent Insurance Agents – Independent Insurance Agents such as Greene Insurance Group are truly Independent Agents, not owned or obligated to represent any one insurance company, we offer insurance from dozens of top-rated insurance comapanies.  The Licensed Agents at Greene Insurance are will shop and compare coverage and rates among top-rated companies. At Greene Insurance Group, we save our clients time, money and all the hassles of shopping for insurance.

Arizona Independent Insurance Agent

Arizona Independent Agent & Work for Our Clients

We customize coverage to fit our clients needs & offer the most competitive rates through top-rated insurance companies.

We Save Our Clients Time & Money

Greene Insurance Group is an Arizona Independent Insurance Agent and our licensed insurance agents go to work for you. We’ll ask a series of questions and then carefully begin the search to find the best coverage at the best prices among dozens of top-rated insurance companies.  We customize coverage to fit our client’s individual needs.

We’re Local, Family-Owned & Here to Serve You!

Since 1962, our family has pledged to protect families and businesses through personal insurance and business insurance products.

When you purchase insurance through Greene Insurance, we remain your local Insurance Agency and We’ll be here to assist you with any changes to your policy, questions about coverage or claims.

We welcome the opportunity to earn your business

We want to serve and protect you and your family.

*On limited occasions, there may be an additional fee(s) on risks hard to place due to claims exposure or risks that require surplus lines placement.  Ask for details.

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