Condo Insurance (HO-6) for Arizona homeowners
An Arizona condo policy (HO-6) covers the part of your home your HOA master policy leaves out — the interior 'walls-in,' your personal property, personal liability, and special assessments the association passes on to owners.
What it covers
- Interior walls, flooring, cabinets, built-ins, and fixtures ('walls-in')
- Personal property against theft, fire, and monsoon water damage
- Loss assessment coverage when the HOA bills owners after a loss
- Personal liability and loss of use if your unit is uninhabitable
Who it's for
- Condo and townhome owners in Tempe, Scottsdale, and Phoenix
- Anyone whose HOA carries a 'bare walls' master policy
- Owners who've upgraded flooring, cabinets, or countertops
- Investors renting out an Arizona condo (HO-6 + landlord endorsement)
Why CCA
- We read your HOA master policy to find the exact coverage gap
- We right-size your dwelling (Coverage A) 'walls-in' limit
- We add loss assessment coverage most owners forget
Common questions about condo insurance (ho-6)
An Arizona HO-6 policy covers your unit's interior ('walls-in') — flooring, cabinets, fixtures, and improvements — plus your personal property, personal liability, loss of use, and loss assessment. It fills the gap left by your HOA's master policy, which typically only insures the building structure and common areas.
Usually not fully. Most Arizona HOA master policies are 'bare walls' or 'single entity' — they cover the building shell and common areas but not your interior finishes, upgrades, or belongings. That's exactly what your HO-6 condo policy is for, along with loss assessments the HOA can bill back to you.
Switching is straightforward: get a new policy bound before your current one expires, then cancel the old policy effective the new policy start date. Your mortgage lender will need the new declarations page. We handle the paperwork and coordinate with your lender.
Typically no — standard HO-3 policies exclude business and rental activities. If you rent a room or a guest house on your property, you may need a homeowners endorsement or a separate landlord policy for that portion of the home.
Arizona home insurance averages roughly $1,200–$2,500 per year, though city and risk profile move it a lot — Phoenix and Tucson metro homes often land lower, while Flagstaff, Prescott, and wildfire-interface areas run higher. Home value, age, roof, construction, pool, dogs, and claims history all factor in. We compare 12+ carriers to find your best rate.
Most quotes take about 15 minutes once we have your home's address, year built, square footage, and a few risk details. Call 844-967-5247 or start online and we'll shop A-rated Arizona carriers and come back with real numbers — not a call-center callback a week later.
We're an independent agency, so we compare 12+ A-rated carriers that write in Arizona for every quote — including markets your current agent may not have. That's how we find the right combination of price, coverage, and financial strength for your home.
Usually yes. Bundling home and auto with the same carrier typically earns a 5–15% multi-policy discount in Arizona and simplifies billing and renewals. We quote the bundle alongside stand-alone options so you can see the real savings.
Yes — sudden, accidental roof damage from monsoon wind, hail, or fire is covered under a standard HO-3. Note that many Arizona carriers now settle older tile and shingle roofs on an actual-cash-value (depreciated) basis rather than full replacement cost, so we review your roof settlement terms before you buy.
It can, especially multiple claims within a few years or a claim on a home in a wildfire or monsoon-prone area. Small losses you can absorb are often better left unfiled to protect your claims history. We help you weigh whether filing makes sense and re-shop your coverage if a carrier non-renews you.
Pair it with related coverage
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Get a 15-minute quote from specialists who understand Arizona homeowners insurance — monsoon flood risk, wildfire interface underwriting, pool liability, and dwelling rebuild costs in Arizona's construction market.