Shopping for Scottsdale Condo Insurance?
As a Scottsdale Insurance Agency, Greene Insurance Group offers condominium insurance from dozens of top-rated insurance companies. Call the Licensed Professionals at Greene Insurance Group for Condo Insurance Quotes in Scottsdale, Arizona.
Not all Scottsdale Condo Insurance is the same
Shopping for the right Scottsdale Condo Insurance 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 Scottsdale Condo Insurance Coverage
Interior Condo Unit 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 Condo Insurance & Auto Insurance for up to 40% savings
Package your Scottsdale 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.
Looking for Scottsdale, Arizona Utility Information
Greene Insurance Group – Scottsdale, Arizona Insurance Agent
Insuring families & businesses since 1962
Since 1962, our family has been protecting families and businesses through personal and business insurance products. As an Independent Insurance Agent, the Insurance Professionals at Greene Insurance will review your present insurance and compare rates from dozens of top-rated insurance companies. Greene Insurance Group offers personal insurance products such as: Auto Insurance, Home Insurance, Condo Insurance, Renters Insurance, Landlord Insurance, Motorcycle Insurance, RV Insurance, Umbrella Insurance, Life Insurance & more. Greene Insurance offers Business Insurance products such as: Business Liability Insurance, Business Property Insurance, Commercial Auto Insurance, Workers Compensation Insurance, Professional Liability Insurance, Malpractice Insurance & more.
We provide best in class service to our clients
At Greene Insurance, We promise old-fashioned customer service. We live and work here in Arizona and we’re ready to provide the best in personalized service. We work in our offices everyday, we answer our phones, return our calls and emails and we are here to serve you! You can depend on the Professionals at Greene Insurance Group.
Scottsdale, Arizona Independent Insurance Agent – Greene Insurance Group
Why select Greene Insurance Group?
At Greene Insurance, we customize insurance to fit our clients and their needs. When you call Greene Insurance Group, you can relax knowing we’re comparing insurance rates and coverage from dozens of top-rated insurance companies.
At Greene Insurance Group, it’s our promise you will always be our top priority
Benefits of working with Greene Insurance Group:
- Choice and Flexibility: One of the primary advantages of working with an Independent Insurance Agent like Greene Insurance is the breadth of insurance coverage options available. Greene Insurance Group isn’t limited to a single insurance company, we compare insurance coverage from multiple insurance companies to find the best prices and coverage.
- Personalized Service: We offer a higher level of personalized service. Our clients have an Licensed Account Manager and team to answer questions, make policy changes or answer billing questions and assist with claims.
- Expertise and Advocacy: With extensive knowledge of the insurance market, Greene Insurance Group can demystify the intricacies of various policies and coverage options. Additionally, they act as advocates for their clients, helping to navigate the claims process and ensuring our clients receive fair treatment from insurers.
- Local Knowledge: Greene Insurance Group is a locally-owned Arizona Independent Insurance Agency and deeply rooted in our community. This local presence allows us to understand the specific risks and needs of our area, offering insights that larger, impersonal insurance agencies or companies might miss. At Greene Insurance, we answer our phones and work for our clients in a professional offices throughout Arizona to protect your personal and business information.
- Ongoing Support: The relationship with Greene Insurance Group doesn’t end once a policy is sold. Our Licensed Insurance Agents and Account Managers provide ongoing support, assisting with policy reviews, renewals, and any changes that might be necessary as your need evolves. When purchasing insurance direct through an insurance website or call center, who do you call for questions?
We don’t work for an insurance company, We’re Independent & work for You!
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 people 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. At Greene Insurance, we answer our phones and our team work in professional offices with secure protocols to protect our clients personal and business information. Once you select Greene Insurance, we’ll remain your local Arizona 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 your calls and return your emails. It’s our promise to always deliver world class service to our clients.
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Scottsdale, Arizona Insurance: What You Need to Know
Scottsdale, Arizona is a beautiful and affluent city with a population of over 250,000 people. It is known for its luxury homes, world-class golf courses, and stunning desert scenery.
If you live in Scottsdale, it is important to have the right insurance coverage to protect yourself and your loved ones from financial hardship in the event of an unexpected event. Here are some of the most important types of insurance for Scottsdale residents:
- Home insurance: Home insurance can protect your home and belongings from damage or loss due to a variety of events, including fire, windstorm, hail, lightning, theft, vandalism, and water damage.
- Auto insurance: Auto insurance is required by law in Arizona. It provides financial protection in the event of an accident, regardless of who is at fault.
- Renters insurance: Renters insurance is not required by law, but it is a good idea for renters to have. It can protect your belongings from damage or loss due to a variety of events, including fire, theft, and vandalism.
- Business insurance: Business insurance can protect your business from financial losses due to a variety of events, including lawsuits, property damage, and business interruption.
- Life insurance: Life insurance can provide financial support to your loved ones in the event of your death.
In addition to these basic types of insurance, Scottsdale residents may also want to consider purchasing the following types of insurance:
- Flood insurance: Flood insurance is not covered by most homeowners insurance policies. If you live in an area that is prone to flooding, you may want to purchase flood insurance.
- Earthquake insurance: Earthquake insurance is also not covered by most homeowners insurance policies. If you live in an area that is prone to earthquakes, you may want to purchase earthquake insurance.
- Umbrella insurance: Umbrella insurance provides additional liability protection beyond what is provided by your other insurance policies. It can be helpful in the event of a major lawsuit.
Here are some tips for saving on insurance in Scottsdale, Arizona:
- Call and Independent Insurance Agent like Greene Insurance. We compare coverage and rates from top-rated insurance companies saving you time and money.
- Raise your deductible. A higher deductible will lower your monthly premium, but you will have to pay more out of pocket if you file a claim.
- Bundle your insurance policies. If you have multiple insurance policies, such as home and auto insurance, you may be able to save money by bundling them together.
- Take advantage of discounts. Many insurance companies offer discounts for things like having a good credit history, taking a safe driving course, or installing security features in your home.
By having the right insurance coverage, you can protect yourself and your loved ones from financial hardship in the event of an unexpected event.
Additional tips for Scottsdale residents
Scottsdale is located in the Sonoran Desert, which means that it is prone to extreme weather events such as heat waves, dust storms, and wildfires. When choosing insurance coverage, it is important to consider the risks that are specific to your area.
For example, if you live in an area that is prone to wildfires, you may want to purchase additional coverage for your home and belongings. You may also want to consider purchasing umbrella insurance to provide additional liability protection in the event of a wildfire.
It is also important to review your insurance coverage on a regular basis to make sure that it meets your needs. As your life changes, your insurance needs may change as well. For example, if you get married, have children, or purchase a new home, you may need to update your insurance coverage.
By following these tips, you can ensure that you and your loved ones have the right insurance coverage to protect you from financial hardship in the event of an unexpected event.
