While your homeowners association’s master policy typically covers the building structure and common areas, it often excludes your personal belongings, interior improvements (like upgraded flooring or cabinets), and liability for incidents inside your unit. Through Riseson Insurance, our partnered carriers fill these gaps to fully protect your sanctuary.

Yes! Policies available through Riseson include personal liability protection, covering legal fees and medical costs if a guest is injured in your home giving you peace of mind whether you’re hosting friends or just relaxing in condominium

Standard coverage has limits for high-value items. Riseson offers optional scheduled personal property coverage from our carriers, so your jewelry, art, or tech gadgets are protected at their full appraised value no matter where your Arizona adventures take you.

As an independent Arizona agency, Riseson Insurance represents multiple top-rated carriers, not just one company.

That means we can shop and compare options to find the best fit for your condo and budget.

What You’ll Get with Riseson Insurance

✅ Personalized coverage analysis

✅ Access to multiple carrier quotes

✅ Local experience in Scottsdale, Tempe, Chandler, and Gilbert

✅ Easy bundling with auto or umbrella policies for added savings

✅ Fast, friendly support from real Arizona agents

Your HOA’s master policy covers the building’s exterior and common areas but not your individual unit or personal belongings.

For example:

If a water leak damages your kitchen flooring, the HOA stops at the drywall your policy covers the rest.

If someone gets injured inside your condo, the HOA’s liability coverage won’t apply.

If a fire damages multiple units, your HOA could pass along a special assessment unless you have Loss Assessment coverage.

Without condo insurance, you could face thousands in out-of-pocket repairs or replacement costs.

Living in Maricopa County comes with unique risks. Riseson Insurance understands what Arizona condo owners face:

Monsoon storms that cause interior water damage or roof leaks

Water backup issues in older Tempe and Chandler complexes

Rising HOA deductibles in Gilbert and Scottsdale communities

High-value interior upgrades requiring tailored dwelling coverage

Our agents ensure your policy fits your condo’s location, HOA requirements, and personal needs.

We proudly serve condo owners in:

Scottsdale, Arizona

Tempe, Arizona

Chandler, Arizona

Gilbert, Arizona

And surrounding Phoenix Metro area.