Condo insurance for Arizona owners.
Walls-in coverage, contents, liability and loss-assessment — sized to your HOA master policy so you're not double-paying or underinsured.
Arizona condo (HO-6) insurance that fills the master-policy gaps.
Condo insurance — HO-6 — covers what your HOA's master policy doesn't. That usually means everything from the studs in, your personal property, liability, and loss assessments. We read your HOA's master policy to make sure your HO-6 lines up — no gaps, no overlap.
What you get
- Walls-in / studs-in dwelling coverage
- Personal property and replacement cost
- Liability for guests and unit incidents
- Loss-assessment coverage for HOA special assessments
- Loss-of-use if your unit is uninhabitable
- HOA master-policy review at no charge
What's typically covered.
Dwelling (Walls-In)
Covers built-in fixtures, flooring, cabinetry, and improvements you've made — whatever the HOA's master policy doesn't.
Personal Property
Your belongings inside the unit. Replacement-cost coverage available.
Liability
Protects you if a guest is injured in your unit or you cause damage to another unit.
Loss Assessment
If the HOA assesses owners for a loss exceeding the master policy, this helps you pay your share.
Loss of Use
Pays for temporary housing if your unit becomes uninhabitable after a covered loss.
Water Backup
Critical in multi-unit buildings — a sewer or sump backup can damage everything.
Why local matters.
Arizona has a huge condo market in Scottsdale, Tempe, Phoenix and the West Valley — and master policies vary wildly. We'll review yours before quoting so your HO-6 fills the actual gaps.
Common questions.
Ready for a real quote?
Call us — or send your info and we'll get back to you the same business day.