What is
Condo Insurance
Owning a condo comes with great benefits — convenience, amenities, and a strong sense of community. But it also requires specialized insurance that goes beyond what your condo association covers. At Danilovic Agency, we make sure your unit, your belongings, and your lifestyle are fully protected — whether you live in Scottsdale or anywhere in Arizona.
What Does Condo Insurance Cover?
A comprehensive condo insurance policy protects you from the unexpected, giving you peace of mind at home:
- Coverage for Your Unit – Protects additions, upgrades, and improvements you’ve made, such as flooring, cabinetry, or built-ins not covered by your condo association’s master policy.
- Personal Property Coverage – Safeguards your belongings — furniture, clothing, electronics, and appliances — against theft, fire, or covered water damage. Optional full-value replacement ensures you’re reimbursed for the true cost, without depreciation.
- Loss of Use / Living Expenses – Covers hotel stays, meals, and other expenses if your condo becomes uninhabitable due to a covered loss.
- Liability Protection – Covers bodily injury or property damage claims if you or a family member are found responsible for an accident. Includes legal defense costs.
- Guest Medical Payments – Pays for medical expenses if a guest is injured in your condo, regardless of fault.
Optional Coverage for Extra Protection
- Hidden Water Damage Coverage – Helps pay for repairs caused by water damage that isn’t immediately visible.
- Sump Pump Failure & Water Backup – Protects against damage from sump pump breakdowns or backed-up drains and sewers.
- High-Value Items Coverage – Increases protection limits for jewelry, art, collectibles, and other valuables.
- Loss Assessment Coverage – Helps pay your share if the condo association levies an assessment for repairs or deductibles on common areas.
Protect Your Condo with Confidence
Condo living should be about comfort, not worry. With Danilovic Agency, you’ll have reliable protection that lets you enjoy your home and community with peace of mind.
Do You Have Enough Coverage?
Arizona requires every driver to carry a minimum level of auto insurance, but in many cases those limits aren’t enough to fully protect you. Medical bills, lawsuits, or repair costs can quickly exceed the state minimums, leaving you personally responsible for the difference.
At Danilovic Agency, we go beyond the basics — helping you meet state requirements while also customizing a policy that truly fits your needs and budget.