Arizona Condo Insurance

The Right Policy for You

For many consumers Arizona condo insurance can be slightly confusing. The reason? Condos and single family dwellings are both homes yet the way they are insured is different. Condos usually have an association insurance policy to cover the roof and walls. If you own a condo your insurance will be slightly different than a homeowner insurance policy for a single family dwelling.

Where do we insure?

We insure anywhere in Arizona. And we can provide Arizona condo insurance if you live in Arizona,
live outside Arizona or even in Canada. As long as the property you are insuring is located in
Arizona – we can help you!

Canadian clients are welcome to call. Many Arizona condo insurance companies do not insure
Canadians who buy a condo here in Arizona. But we can help you.

What are the Differences?

Do not compare your Arizona condo insurance policy to a regular homeowner insurance policy. A condo policy typically has an association which purchases insurance to cover claims on certain parts of the condo unit. A condo association insurance plan may cover the roof and walls but there can be gaps in those policies. Clients do not need insurance coverage for the roof and walls, in many cases.

Yet, you still need dwelling coverage because everything inside your condo that is attached to the
building is considered a part of the dwelling. Imagine picking your condo up and turning it upside
down. Everything that does not fall is part of the dwelling. Everything that does fall
will be considered your personal property.

What is considered a part of the condo dwelling?

Your Arizona condo insurance policy should provide adequate coverage for your condo dwelling. The following are items that usually are considered part of the dwelling: paint, carpet, tile and other flooring, lighting, cabinets, sinks, toilets, ceiling fans, built-in wall units, window coverings, and more.

The rest of the condo is your personal belongings, such as furniture, appliances, electronics, etc.

What is Loss Assessment?

Loss Assessment helps protect you against gaps in your condo association insurance policy. Imagine your condo building is damaged extensively and the association insurance policy has a gap in coverage that excludes this particular type of claim out of YOUR pocket. You, and your fellow owners, will be asked to bear the burden of covering the claim.

Also, your condo association insurance policy likely has a deductible. You, and your fellow owners, will be asked to pay your equal share of the deductible. Imagine if that deductible were four or five digits in size? Would you want to pay this deductible out of your own pocket?

Adding Loss Assessment Coverage

Loss Assessment is an optional coverage that your agent must place on your policy. If your agent does not automatically put Loss Assessment on your Arizona condo insurance policy please ask that he/she do so. The cost of this optional item is relatively inexpensive. And certainly, it is worth the cost for the vital protection this coverage affords you.

Saving Money is Important

As an Arizona condo insurance broker we will compare condo insurance rates with several carriers to help you pay LESS. Simply complete the quote form on the right side of this document or call our office for a free, quick quote. Quotes are completed the same day, in most cases.

I look forward to hearing from you.
Gary Brown, Agent/Owner
(480) 659-0229

Pay Less for your Auto Insurance

Do you want to pay LESS for your Arizona auto insurance?

Choice Insurance of Arizona is an Arizona auto insurance broker! An Arizona auto insurance broker simply means we can shop your auto insurance with many different insurance carriers to help you find low rates on your Arizona auto insurance.

An insurance broker shops and compares auto insurance with many carriers to help you find low rates. We are not locked into just one carrier, as so many other insurance agents and companies. If you want to pay LESS, let an Arizona auto insurance broker help you compare rates.

If you have never tried buying insurance from an Arizona auto insurance broker before it is perhaps the easiest and most efficient way to buy insurance. You make one phone call and we do the rest. Our goal is to make your insurance-buying experience a positive one.

Save Money

We compare your Arizona auto insurance with top ranked and leading carriers, such as Progressive, MetLfe, Travelers, AAA, The Hartford, Badger Mutual, Infinity, Mapfre and many others. Our goal is to save you money but also to ensure you are protected by a top rated company. We have helped some clients save a few hundred dollars per year while other clients have saved substantially more.

You do not pay extra with an Arizona auto insurance broker! Our service is free to the consumer since the insurance carrier compensates us. WE WORK FOR YOU! It does not matter to us which insurance carrier has the lowest rates – we will offer you the lowest rate we find.

Save Time

Why waste hours of your time making phone call after phone call? Let us do the auto insurance shopping for you? To do the insurance comparison we do you would have to dedicate an entire day to calling and getting quotes. Why waste your time? Let us do the shopping for you. We are automated and can compare rates with leading carriers quickly.

Old Fashioned Service

The world is fast paced and highly technical. Yet, we strive to provide you with old fashioned customer service. We actually answer our phone. Have you ever tried to call a national company and got the run-around from their phone prompts? It is tiresome. That’s why we believe in answering our phones and/or returning your call promptly.

If you ever receive our voice message we will call you back shortly. It simply means we are on the phone currently with another client. But we will not give you the run-around or spin your wheels with a frustrating voice message service.

Helpful Advice

We encourage you to ask us questions about your coverage. Just because your current or prior agent or company had placed certain coverage on your policy how do you know for certain those are the correct limits for you? Perhaps they are but we would certainly like to give you advice and councel if you are ok receiving it.

Our goal is to help you save money but also help ensure you are coverage correctly. What good is insurance if you do not have the right kind or right coverage? When you contact us be sure to ask us to explain each coverage item on your policy.


The best recommendation you can give us is the referrals of your friends. Insurance is a competitive field and we try hard to out-service our competitors by giving great service and helping our clients save money. If happy with how hard we work for you, please tell your friends or ask them if ok if we contacted them for a free quote.

Please contact us today for a quote! There is no obligation. We guarantee you will either save money or we will not. It’s that simple. I look forward to hearing from you.
Gary Brown, Agent/Owner
(480) 659-0229