Homeowners
Rebuild cost, tile, pools, and brush — not a Zillow number.
Read the guide →Property insurance in Scottsdale
Homes, condos, rentals, short-term listings, and the umbrella that sits over them.
Occupancy first. Then the form.
A house you live in is an HO-3. A 12-month tenant is landlord. A Friday-to-Sunday guest is short-term rental. A condo is an HO-6 next to an HOA master. Mixing those on one application is how claims die.
Scottsdale-specific questions we actually ask: tile roof and underlayment age, pool barriers, monsoon water history, and brush on desert-edge lots. If you list the property for less than 30 days inside the city, Scottsdale’s published rule is $500,000 liability and about $250 for the annual STR license.
Renters
Your landlord’s policy is the building. HO-4 is your stuff and your liability.
Read the guide →Condo
HO-6 fills what the master leaves: interiors, contents, liability, loss assessment.
Read the guide →Landlord
Long-term tenants. Not weekend Airbnb guests.
Read the guide →Airbnb / STR
Paying guests under 30 days. City license and $500k liability.
Read the guide →Snowbird / seasonal
You leave in May. Vacancy and two-state files — not an Airbnb listing.
Read more →Flood
Flood is not on an HO-3. Lender, wash, and monsoon are different conversations.
Read more →Paradise Valley home
High rebuild, guest house, brush. Same Hayden office, different address facts.
Read more →Phoenix home
Arcadia, Biltmore, and high-rise files — not a Scottsdale tile-roof clone.
Read more →Fountain Hills home
Brush, second homes, fifteen minutes from Hayden.
Read more →Umbrella quote
Extra layer after auto and home. Underlying limits have to qualify.
Read more →High-value / custom
North Scottsdale rebuild, guest house, jewelry, pool. Farmers first — not a Chubb clone.
Read more →Home + auto bundle
Quote the household together. No fake “save 20.”
Read more →Cave Creek home
Brush, ranch lots, well or septic, fire-service distance. Same Hayden office.
Read more →Carefree home
Smaller WUI town, second homes. Distinct from Cave Creek.
Read more →Two-state household
AZ plus CA, OK, or TX. Both addresses. We will not fake a Scottsdale primary.
Read more →A winter-only house is snowbird / seasonal, not a weekend listing. Paradise Valley, Phoenix, and Fountain Hills addresses have their own pages. Cave Creek, Carefree, a high-value North Scottsdale custom, and a two-state household each have a quote page from this same Hayden office. Paying guests under 30 days still belong on the Valley vacation-rental guide or the Scottsdale STR article.