Condo & Auto Insurance in Cave Creek, AZ
Condo & Auto Insurance from top-rated insurance companies
Condo Insurance Coverage Options for Cave Creek, AZ
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 Condo Insurance policies in Arizona are the same
In many condo communities in Cave Creek, Carefree, Scottsdale, Phoenix and surrounding areas, the condo association only insures the basic building and exterior (walls, roof, floors, elevators) but leaves you the responsibility of insuring appliances and upgrades such as flooring, cabinets, wall coverings, light fixtures, appliances, and other upgraded items in your condo unit, and in some instances the interior wall. 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 Cave Creek, AZ Condo & Auto Insurance
When you package your Cave Creek, Arizona Condo Insurance and Cave Creek Auto Insurance together, you can save up to 30%.
Client Reviews & Testimonials
Cave Creek, Arizona Insurance
At Greene Insurance Group, we’ve been dedicated to safeguarding families and businesses with comprehensive insurance solutions for over 60 years. As an Cave Creek, AZ Insurance Agent, we offer insurance from top-rated insurance companies, saving you the time and hassle of shopping for coverage yourself. Our Licensed Insurance Agent will review your current insurance policies to ensure you receive the best protection at 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.
Why Select Greene Insurance Group?
We provide best in class service to our clients. As a locally-owned Insurance Agency, we provide personalized service you won’t find with big call centers abroad or online-only providers. We all know how difficult and frustrating it can be to when your unable to reach a live person or transferred around from department to department when calling large companies. Many companies are now forcing their clients to utilize chat bots or leave voicemails leaving people frustrated with no answers, no point of contact and no local insurance agency office to visit.
Once you select Greene Insurance as your Independent Insurance Agent, we’ll be your local Insurance Agent and our team will be here to assist with any questions, policy updates or claims related to your insurance.
At Greene Insurance Group, we answer our phones and our team work in professional offices with secure protocols to protect our clients personal and business information. At Greene Insurance Group, it’s our promise to always deliver world class service to our clients.
Home Insurance in Cave Creek, Arizona C0mmunities:
Andora Crossing, Andora Hills, Arroyo Seco, Ashler Hills Estates, Ashler Rills Ranch, Azure Hills Estates, Black Mountain Vista, Blue Ridge Hills, Cahava Springs, Canyon Crossings, Canyon Ridge Estates, Casas Del Cielo, Chaparral at Lone Mountain, Colina Del Norte, Lone Mountain Ranch, Lone Mountain, Lone Mountain Estates, Tatum Ranch, Tatum Highlands, Tatum Ridge, Diamond Creek, Desert Willow Estates, Dove Valley Estates, Dove Valley Ranch, Los Alisos, La Buena Vida Estates, Montevista, Carriage Trails, Lost Acres Estates, Carefree Ironwood Estates, Carefree Mountain Estates, Canyon Creek Estates, Canyon Ridge Estates, Highlands at Canyon Ridge, Rancho Manana, Desert Creek, Longview Estates, Red Dog Ranch.
Cave Creek, Arizona Independent Insurance Agent
Benefits of working with Greene Insurance Group:
- Customized Insurance: At Greene Insurance, we realize each of our clients needs differ and work to customize insurance coverage to fit their unique needs.
- Choice & Flexibility: As an Independent Insurance Agent in Cave Creek, Arizona, Greene Insurance compares coverage and rates from dozens of top-rated insurance companies. Captive Insurance Agencies only work with one insurance company limiting your options.
- Personalized Service: We prioritize personalized service. Your will be assigned a Licensed Account Manager and their team to assist with questions, changes to your policies, billing, claims, and review renewals.
- Local Knowledge: As a local and family-owned Arizona Independent Insurance Agent, Greene Insurance is deeply rooted in our community. Our local presence enables us to understand area-specific risks and needs, offering insights that large, out-of-state companies may overlook.
- Ongoing Support: The relationships we build with our clients are why they refer friends and family. At Greene Insurance Group, we offer a responsive team, work in professional office settings to protect your privacy. Our licensed insurance professionals who are always available to answer your questions and provide ongoing support, unlike faceless websites, chatbots or call centers.
- You will be our Top Priority – At Greene Insurance Group, it’s our promise you will always be our top priority.
As an Independent Insurance Agent in Arizona, Greene Insurance offers Personal Insurance and Business Insurance from dozens of top-rated insurance companies.
- Personal Insurance: Auto Insurance, Home Insurance, Condo Insurance, Personal Umbrella Insurance, RV Insurance, Life Insurance, High-Value Home Insurance, Luxury Home Insurance, Exotic Sports Car Insurance, Health Insurance and more.
- Commercial Insurance: Commercial Liability Insurance, Business Property Insurance, Commercial Auto Insurance, Workers Compensation Insurance, Professional Liability Insurance, Garage Keepers Insurance, Restaurant Insurance, Commercial Umbrella Insurance and more.
