Cave Creek, AZ Condo Insurance
We offer Condominium & Auto Insurance in Cave Creek from top-rated insurance companies
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
- 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.
- 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.
- 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%.
Client Reviews & Testimonials
Greene Insurance Group – Cave Creek, Arizona Insurance
Insuring families & businesses since 1962
At Greene Insurance Group, we’ve been dedicated to safeguarding families and businesses with comprehensive insurance solutions for over 60 years. As an Independent Insurance Agency, we offer insurance from top-rated insurance companies, saving you the time and hassle of shopping for coverage yourself. Our Licensed Insurance Professionals will review your current insurance policies to ensure you get the best protection at the most competitive prices. Let Greene Insurance Group provide you with the peace of mind you deserve, knowing that your personal and business needs are covered by trusted professionals. Contact us today for a review of your current policies and see how we can help protect what matters most to you.
We provide best in class service to our clients
At Greene Insurance Group, we promise personalized, best-in-class customer service. Our Licensed Agents work in our local offices, not from home, ensuring your privacy and personal information are always protected. It’s a commitment we stand by: We’ll answer your calls and return your emails—because that’s the way it should be. You can always depend on the professionals at Greene Insurance Group.
Greene Insurance Group serves all of Cave Creek including zip codes: 85331.
Cave Creek, AZ Independent Insurance Agent
Why select Greene Insurance Group?
At Greene Insurance, we customize insurance to fit our clients and their needs. When you call Greene Insurance Group, our team of Licensed Insurance Professionals will help you find the best coverage at the best rates.
