Rental property insurance in Gilbert, built for investors.

What the HOA covers, and what it doesn't

Before you insure a Gilbert rental in an HOA community, read the association's governing documents, often called the CC&Rs, and ask what its master policy covers. The answer changes what your own policy needs to do.

Single family homes in an HOA

In many single family communities, the association insures the common areas, such as parks, pools, and entry walls, and you insure your own home. A landlord policy on the house, its other structures, and your liability as the owner is usually what you need.

Townhomes and condos

In a townhome or condo association, the master policy may cover some or all of the building, and you insure the rest, such as interior walls, fixtures, and improvements. If you rent out a condo or townhome, ask whether your carrier offers a policy written for a rented unit, and check whether the association requires a minimum limit.

Loss assessments

If the association's policy falls short after a loss to common property, owners can be assessed to make up the difference. Some policies include loss assessment coverage and some let you add it.

Pools, casitas, and block walls

A pool adds liability risk, and carriers often ask about fencing, gates, and diving boards. A detached casita or a block wall falls under other structures coverage, so check that the limit fits what's on the property. If a casita is rented separately from the main house, tell your agent, because it may need its own coverage.

Short term rentals in Gilbert

The Town of Gilbert requires a short term rental license for a home rented for less than 30 consecutive days, before you advertise or rent it. Licensing is separate from insurance, and a short term rental usually needs a policy written for guests rather than long term tenants. Our short term rental guide covers what to look for.

Register the rental with the county

Arizona law requires residential rental property to be registered with the county assessor. Gilbert is in Maricopa County, so rentals register with the Maricopa County Assessor.

How Everhold helps Gilbert investors

Start with the free Portfolio Ledger: every property, policy, carrier, and renewal date on one screen, with each dwelling limit compared to estimated rebuild cost and the name on each policy checked against the entity on title. Then our 90/60/30 Renewal Protocol shops each renewal for you.

Quotes and coverage are subject to underwriting and carrier approval. City and county rules change, so check the official pages linked above. Everhold Insurance is a licensed insurance agency in the State of Arizona. License # 3004512575.