Condo insurance · Chandler, AZ

Condo insurance that starts where your HOA’s stops.

Your HOA’s master policy is written for the building and the shared areas. KGB Insurance quotes a condo policy for the rest: the inside of your unit, the things you own, your liability and your share of an HOA assessment.

Get my condo quote Call (480) 545-8877 Modern two-story Arizona condos with balconies and desert landscaping under a clear blue sky ★★★★★Google review

“He was very friendly and informative along with his staff. Answered all the questions and concerns I had.”

Gabby Imbrogno

What does condo insurance cover?

It depends on where your HOA’s master policy stops. Some stop at the bare walls. Others include the original cabinets and fixtures but not your upgrades.

A condo policy can help with the part your HOA leaves to you, depending on its terms, limits and exclusions. Our agents read the master policy summary with you, then quote walls-in coverage for that part.

A quick example

A supply line under your kitchen sink bursts while you’re at work. Water ruins your floors and drips into the unit below. Depending on your HOA’s policy, the floors, the cabinets and your neighbor’s ceiling may all be yours to pay for. Walls-in and liability coverage can help in a case like this, subject to your policy’s terms, limits and exclusions.

“He sat down with me and explained all of the different options I had.”Jeff Heskett, Google review

Have your current declarations page handy

One short call gets you real numbers. Have your HOA’s master policy summary nearby too, or email us a copy of both.

How condo coverage works

Two policies, one home.

Here’s what each policy is written for.

Your HOA’s master policy

The building and what you share

Your HOA or property manager can send you a summary.

Your condo policy

What your HOA leaves to you

Get my condo quote

How it works

Real numbers in three steps.

Start online or by phone.

  1. 1

    Tell us the basics

    Use the quote form, or call us with your ZIP code.

  2. 2

    We read your HOA’s coverage

    Share the master policy summary if you have it. We show you what it leaves to your condo policy.

  3. 3

    Choose your coverage

    You pick the limits and deductible. We go over your policy documents with you, in English or español.

Not sure what your HOA covers?

Call us, or email the master policy summary, and we’ll show you what it leaves to you.

Call (480) 545-8877Email us A couple going over their paperwork together at the kitchen table

Buying a condo?

Proof of insurance to your lender, fast.

We work with a large network of mortgage lenders. Tell us your closing date and we’ll quote your condo policy. Once you buy it, we send the proof of insurance to your lender.

Get my condo quoteFor home buyers

Google reviews

Our customers, in their own words.

4.8 ★★★★★

4.8 / 5 average · 86 reviews

78 of them are five stars

★★★★★Google review

A minor issue came up on my home policy review, Barb got on it, reminded me (a couple of times) and got it successfully resolved. The definition of customer service.

DGDavid Girle ★★★★★Google review

Outstanding service from start to finish. My agent was knowledgeable, patient, and truly cared about finding the right policy for me. They explained everything clearly and made sure I felt confident in my decisions. I appreciate the responsiveness and professionalism—definitely a 5-star experience!

KKKneo Knight ★★★★★Google review

Excellent service; they always answer calls and provide courteous, friendly service. Highly recommended.

GMGonzalo Moreno ★★★★★Google review

Ronnie made us feel like family, answered all of our questions, and talked us through any concerns we may have had.

WRWillie Ryan ★★★★★Google review

Ronald is a great agent, is always answering questions when needed and fast responder!

FRFernando Rico

Questions

Condo insurance questions, answered.

What’s the difference between my HOA’s policy and a condo policy?

Your HOA’s master policy is written for the building and the shared areas, like the roof, hallways and pool. A condo policy is written for the part the master policy leaves to you. Where that line falls differs from one HOA to the next, so we read the master policy with you.

How do I find out what my HOA’s master policy covers?

Ask your HOA or property manager for a summary of the master policy. Your HOA’s CC&Rs (its covenants, conditions and restrictions) also spell out who is responsible for what. Send us what you have and we’ll read it with you.

What is loss assessment coverage?

When the HOA has a big shared loss and its own policy doesn’t pay all of it, the association can bill each owner a share. Loss assessment coverage can help pay your share, up to your limit. We’ll look at your HOA’s deductible with you before you choose that limit.

I rent my condo out. Is this the right policy?

Maybe not. A unit you rent out usually needs different coverage than one you live in. See landlord insurance, or call (480) 545-8877 and we’ll tell you whether your unit needs a condo or a landlord policy.

Can I bundle my condo and my car?

Yes. KGB Insurance can quote your condo and auto policies together, and one team answers questions on both. See how bundling works.

I’m buying a condo. When should I start my quote?

As soon as you have a closing date, since lenders usually ask for proof of insurance before you close. Start the quote form, and tell us your closing date when we call. Once you buy your policy, we send the proof of insurance to your lender.

Other policies KGB Insurance quotes.

Monsoon storm clouds rolling over an Arizona neighborhood at dusk

Mon–Fri 8–6 · Sat 8–12

Check what your HOA covers before a leak.

Email us a copy of your HOA’s master policy summary, or have it handy when you call. We go over it with you in plain English, or en español.

Get my quote Call (480) 545-8877 Email us