If you own a condo in Tempe, you need a specialized insurance policy called HO-6.
Your HOA master policy usually covers the building exterior, but you are responsible for the inside of your unit — walls, floors, ceilings, cabinets, appliances, personal belongings, and liability.
We help Tempe condo owners choose the right coverage to protect their unit and valuables.
What Does Condo Insurance (HO-6) Cover?
Interior Dwelling Coverage (“Walls-In”)
Covers damage to:
- Drywall
- Flooring
- Cabinets & counters
- Interior paint
- Appliances
- Improvements & upgrades
Personal Property Coverage
Covers your belongings from:
- Fire
- Theft
- Water damage
- Vandalism
- Smoke damage
Loss of Use / Additional Living Expenses
Pays for temporary housing if your condo becomes uninhabitable.
Personal Liability
Protects you if someone is injured inside your unit.
Loss Assessment Coverage
Covers HOA special assessments for:
- Roof replacements
- Windstorm damage
- Fire claims
- Shared structure repairs
Water Backup (Optional)
Protection against sewer or drain backup.
Building Property Enhancements
If your HOA covers only bare walls, this expands protection to upgrades.
Who We Insure in Tempe
We provide condo insurance for:
- Owner-occupied condos
- Investment condos
- Student condos near ASU
- Luxury condos
- Downtown Tempe units
- AirBnB/VRBO condos (special STR policy required)
- Seniors & second homes
How to Get Condo Insurance in Tempe, AZ
- Call or text 480-270-2935 — this is step one.
- Tell us your condo location and HOA details
- We compare multiple condo insurance carriers
- You choose the best rate and coverage
Most quotes can be completed in minutes.
Condo Insurance FAQs — Tempe, AZ
Does my HOA insurance cover the inside of my condo?
Usually no — most HOAs only cover the exterior and shared areas.
Absolutely — do you offer loss assessment coverage in Tempe?
Yes. We offer loss assessment to help cover HOA special assessments.
Do you insure condos used as rentals or investments?
Yes. We insure long-term rentals, short-term rentals, and investment condos.
Condo Insurance in Tempe, AZ — Get a Quote Today
Protect your condo unit and belongings with the right HO-6 policy.
Call or text 480-270-2935 for a quick condo insurance quote.
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Llámanos al 480-270-2935 para un seguro de condominio en Tempe, AZ.