Owning a condo in Arizona comes with a coverage gap that many unit owners don't discover until they file a claim. Your HOA's master insurance policy covers the building's exterior and common areas — but your unit's interior, your personal belongings, and your personal liability are your responsibility. That's exactly what HO-6 condo insurance is designed to cover.
What Arizona Condo Insurance (HO-6) Covers
Understanding Your HOA Master Policy
Before choosing your condo coverage limits, it's critical to understand what your HOA's master policy covers. There are three types:
| Policy Type | What's Covered by HOA | What YOU Must Cover |
|---|---|---|
| Bare Walls-In | Structure, common areas | Everything inside the walls: floors, cabinets, fixtures, appliances, belongings |
| All-In | Everything including original fixtures | Upgrades, personal property, liability |
| Single Entity | Original fixtures & finishes | Upgrades, personal property, liability |
Many Arizona condo owners assume their HOA has "all-in" coverage, but bare-walls policies are common — meaning you're responsible for everything from the drywall in. Request a copy of your HOA's master policy declarations page before choosing your HO-6 coverage limits.
Arizona Condo Insurance Rates
Condo insurance (HO-6) is generally more affordable than homeowners insurance because you're only insuring the interior of your unit, not the entire structure:
| Coverage Level | Dwelling (Interior) | Personal Property | Est. Annual Cost |
|---|---|---|---|
| Basic | $25,000 | $20,000 | ~$200–$280/yr |
| Standard | $50,000 | $40,000 | ~$280–$380/yr |
| Enhanced | $100,000 | $75,000 | ~$380–$520/yr |
| Luxury | $200,000+ | $150,000+ | ~$550–$900/yr |
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How to Get Condo Insurance Through Insurely
Enter Your Condo Details
Address, year built, square footage, floor number, and whether the building has special features like a pool or gated entry.
Review Your HOA Coverage Gap
Tell us what your HOA master policy covers and we'll help you identify the right interior dwelling limit.
Compare & Customize
Choose your coverage levels, deductibles, and add-ons like loss assessment and water backup coverage.
Buy & Share
Purchase your HO-6 policy online and share proof with your HOA, lender, or property manager immediately.
Condo Coverage Tips for Arizona Unit Owners
- Always request your HOA's declarations page — know exactly where their coverage ends and yours must begin.
- Insure upgrades separately — if you've renovated your kitchen or bathrooms above original finishes, make sure your policy reflects the actual replacement value.
- Get loss assessment coverage — a special assessment from your HOA after a major building loss (like a fire in the gym or elevator failure) can run $5,000–$50,000. This add-on is cheap and vital.
- Bundle with auto — save up to 20% by combining your condo and auto policies with the same carrier.