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Get the Best Condo Insurance with Top Choice Insurance Agency, PLLC

Comprehensive Coverage for Your Condo in Glendale, Arizona
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Looking for Condo Insurance?

Top Choice Insurance Agency, PLLC  has you covered!

Condo insurance, also known as an HO-6 policy, provides coverage for your condo unit where your condo association’s insurance leaves off. While your association typically covers the physical structure/building and common areas, condo owners are generally responsible for the interior of their unit—from the drywall in. This includes your floors, walls, cabinets, and fixtures, which the association’s insurance may not cover.

It’s a good idea to obtain a copy of your association’s by-laws to understand your responsibilities in case of a claim. We can help you make sense of the details.

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Personal Property
Building Property
Additional Living Expense
Loss Assessment
Guest Medical

Personal Property Coverage

Risk Factors

Your personal property which includes furniture, clothes and other collectibles are also exposed to risk which can cause a great loss.


Personal property coverage protects your belongings that aren’t fixtures in your home. This includes clothes, furniture, portable appliances and other possessions that aren’t affixed to your unit. As with building property coverage, you will only be able to file a personal property claim if the episode is a covered event, and coverage will only extend up to your policy’s limits.

Building Property Coverage

Risk Factors

Your building property might get damaged by events like fire, flood and hail.


This protects you financially from damage to the interior of your condo unit resulting from a covered event, such as fire or wind damage. Up to your policy’s limits, it will cover damage to your floors, walls, tiles, cabinets and other permanent fixtures in your condo.

Additional Living Expense Coverage

Risk Factors

In case your condo catches fire, you are bound to stay in hotel till your condo is back to normal and pay for hotel accommodation from your own pockets.


Additional living expenses (ALE) also known as loss of use helps pay for extra living expenses such as lodging, meals, laundry and pet boarding if you cannot live in your condo because of a problem covered by the policy (such as a fire).

Loss Assessment Coverage

Risk Factors

If a common area such as a parking garage of the condo is damaged due to flooding, you are liable to pay a part of the expense cost along with other people.


Loss Assessment coverage is an important feature of condo insurance because you share in the responsibility with the other condo owners for the condominium building and common areas. That means that if there is a special assessment (an added fee that is on top of your monthly condo fees) levied on your condominium building, all the condo owners must split the cost of the assessment.

Guest Medical Coverage

Risk Factors

There may be a possibility that a guest arrives at your house and gets himself injured unknowingly. You are liable to pay for his medical expenses.


If a guest is injured at your home, guest medical coverage may help pay for related medical expenses even if you are not at fault.

Condo Insurance for Townhomes

It’s important to note that some townhomes, such as condos, are insured and require an HO-6 policy. If you live in a townhome, ensure you have the correct type of insurance.

Top Choice Insurance Agency, PLLC is here to help you distinguish between a homeowners policy and a condo policy.

How to Get Started on Your Quote

To begin your quote, visit our office at 5830 W Thunderbird Rd, Suite B8 PMB 1122, Glendale, AZ, 85306-4655. We’ll make the process easy and straightforward!

Already have Condo Insurance? Switching is easy

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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