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Condo Insurance

75 Years
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Why Do I Need Condo Insurance?

Your homeowners' association might cover exterior damages to your condo, but most don’t offer coverage for your personal property. A condominium insurance policy1 from Arizona Home Insurance provides coverage for the inside of your condo, from the doorframe within. Get peace of mind knowing that your personal belongings are protected from covered accidental or sudden losses.

Condo insurance can help cover your personal belongings if they are damaged due to common hazards2 such as:

  • Fire and smoke damage
  • Water damage
  • Theft
  • Cyclone, wind, or storm damage
  • Hail and lightning
  • Broken glass and vandalism

1If your condo is located outside of Arizona, please visit our main website: www.westernmutual.com
2Please refer to your actual condominium insurance policy for a complete list of coverages.

Get 10% off your first year’s premium and 5% off your second year when you apply online!

Understanding Your Coverages

For your primary residence, an Arizona Home Insurance policy includes these coverages:

Dwelling Coverage

Provides coverage for the structure of your home (roof, walls, etc.) and attached structures, such as a garage. We offer a guaranteed replacement cost, which provides full reconstruction of your home in the event of a covered loss, at no additional cost to you.

Example: Your home is damaged during a storm.

Personal Property Coverage

Covers personal belongings such as clothing, furniture, and other personal items not permanently attached to your home.

Example: Someone breaks into your home and steals your electronics.

Other Structures Coverage

Provides coverage for detached structures on your property, such as driveways, fences, sheds and swimming pools.

Example: A lightning strike damages your fence.

Personal Liability Coverage

Provides coverage for bodily injury or property damage to other parties for which you or other covered residents are legally responsible.

Example: A visitor in your home trips over a piece of furniture and is injured.

Loss of Use Coverage

Helps cover living expenses if your home is unfit to live in after a covered loss.

Example: A fire damages your home, and you have to move out temporarily while the damage is repaired.

Medical Payments to Others

Provides coverage if a guest at your home is injured.

Example: A visitor slips while walking on your driveway and has to seek medical attention.

Call (800) 993-1155 to get a quote for your condo today!

Discounts

We want to help keep more money in your pocket. Talk to one of our agents to see if you qualify for these discounts:

Web user discount : 10% off your first year's premium and 5% off your second year when you apply online.
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