Scottsdale Condo Insurance
Condo, Auto, Umbrella & Life Insurance from top-rated insurance companies
Not all Condo Insurance in Scottsdale is the same
Shopping for the right Condo Insurance in Scottsdale can often be a confusing experience. The Insurance Professionals at Greene Insurance Group will help you navigate the many questions that surround condo owners. In many Scottsdale Condominium Communities, 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.
Find the right condo insurance in Scottsdale, AZ
Interior Condo Property Insurance Coverage (Inside Walls Coverage)
Building property coverage or “inside walls” within condo insurance policies is also known as Coverage A. Within some insurance companies policies, the coverage is known as “Building Alterations, Additions and Improvements.” This coverage includes interior improvements within your condo unit and typically includes permanantly installed fixtures and equipment part of the interior of your condo unit. If you are unclear about your condo insurance policy’s coverage, review your condo association CCR’s or Master Insurance Policy or reach to your condo assocation property manager.
Personal Property Insurance Coverage
Personal property condo insurance coverage protects your personal possessions or property in your condo such as clothes, TV’s, furniture, linens and/or portable appliances such as washing machine, dryer, toaster oven, microwave etc. It also provides protection for certain personal property while away from home in 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 or actual cash value. This would be everything from your socks to your flat panel TV and everything in between.
Loss of Use Insurance 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 Insurance Protection
Personal liability insurance 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 guest medical expenses up to the limit in the policy for guests 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 your Scottsdale, AZ Condo Insurance & Auto Insurance for up to 40% savings
Package your Scottsdale, Arizona Condo Insurance with Scottsdale Auto Insurance and save more money.
Important steps you will want to take before your purchase Scottsdale, AZ 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 condo master insurance policy to determine what coverage (if any) you will need to provide for your condo. It is important to note that many condo 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.
Scottsdale, Arizona Insurance Agent
At Greene Insurance Group, our family has been dedicated to safeguarding families and businesses with comprehensive insurance solutions for over 63 years. As an Independent Insurance Agent in Scottsdale, we represent dozens of top-rated insurance companies. Save the time and hassles of shopping for insurance. You can rest assured you receive the best coverage at the best value to maximum protection!
We provide best in class service to our clients. As a locally-owned Insurance Agency in Scottsdale, 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 in Scottsdale 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.
Why 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. Once you select Greene Insurance as your Independent Insurance Agent in Scottsdale, 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.
Client Reviews & Testimonials
Scottsdale, 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 Agency in 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 Independent Insurance Agent in Arizona, 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 Agency in Arizona, Greene Insurance offers Personal and Business Insurance from 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.
