If you own a condo in Arizona , protecting your property and belongings with the right insurance coverage is essential. Unlike traditional homeowners insurance , condo insurance (also known as an HO-6 policy) is specifically designed to cover the unique risks associated with condominium living. Whether you're living in a bustling area like Phoenix , a serene neighborhood in Tucson , or a growing community like Gilbert , understanding your condo insurance needs is the first step in securing peace of mind.

Condo insurance typically covers:

Interior property: Walls, flooring, and fixtures not covered by your condo association's master policy. Personal belongings: Furniture, electronics, clothing, and other valuables. Liability protection : If someone is injured in your condo, your policy can help cover legal and medical expenses. Loss of use : If your condo becomes uninhabitable due to a covered event, it can cover temporary living expenses. Loss assessment: Helps cover your share of damages to common areas, such as a lobby or roof.

Your HOA’s master policy generally covers the exterior and common areas of your building, but it likely doesn’t protect what’s inside your unit. That’s where a condo insurance policy from a trusted local agent like Riseson Insurance comes in.

Arizona’s climate, housing market, and regional risks (like monsoons or dust storms) make it critical to work with a local insurance expert. At Riseson Insurance, we understand the nuances of condo insurance for communities in Tempe , Scottsdale , Chandler , and beyond. We help tailor your coverage based on your HOA’s master policy and your personal needs.

Review your HOA policy: Know exactly what’s covered by the association. Take inventory: Document your personal belongings. Evaluate your upgrades: Renovations and high-end finishes may need additional coverage. Ask about bundling : Combine auto and condo policies for possible discounts.

Whether your condo overlooks the city lights of Phoenix, sits near ASU in Tempe, or resides in the scenic charm of Scottsdale, protecting your investment is our priority. Riseson Insurance is your local condo insurance expert, proudly serving Tucson, Gilbert, Chandler, and the greater Arizona community.

Call us today at 602-460-5470 to get a personalized condo insurance quote that fits your lifestyle and budget.

What Does Condo Insurance Cover?

Master Policy vs. Condo Insurance

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Tips for Choosing the Right Condo Insurance

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• Interior property: Walls, flooring, and fixtures not covered by your condo association's master policy.
• Personal belongings: Furniture, electronics, clothing, and other valuables.
• Liability protection : If someone is injured in your condo, your policy can help cover legal and medical expenses.
• Loss of use : If your condo becomes uninhabitable due to a covered event, it can cover temporary living expenses.
• Loss assessment: Helps cover your share of damages to common areas, such as a lobby or roof.

1. Review your HOA policy: Know exactly what’s covered by the association.
2. Take inventory: Document your personal belongings.
3. Evaluate your upgrades: Renovations and high-end finishes may need additional coverage.
4. Ask about bundling : Combine auto and condo policies for possible discounts.