Hear from Our Customers
You stop overpaying for coverage that disappears when you need it. That’s what happens when you work with an independent agency that represents over 100 insurance carriers instead of being locked into one company’s rates and rules.
Your current insurer just hit you with another increase. Or maybe they dropped you after you filed a claim for monsoon damage. Either way, you’re here because something broke in that relationship, and you need actual options.
Here’s what changes: you get house insurance quotes from multiple carriers at once. Not just the big names like Progressive or Geico, but companies you’ve never heard of that write better policies for less money in Glendale, AZ. You’re not stuck with one answer anymore.
And when the next monsoon rolls through or your AC unit floods your house in July, you’ve got an agent who picks up the phone. Someone who knows your name and your policy. Someone who doesn’t work for the insurance company—they work for you.
Premier Choice Insurance is a family-owned independent agency based in Arizona. We’ve been helping homeowners across the state find coverage that actually sticks around, and we’ve built a reputation on being available when it matters.
We’re not a call center. We’re not a website that sells your info to six different companies. We’re a local office in Arizona with real agents who’ve seen what’s happening to homeowners in Glendale, AZ and across the Valley.
Arizona homeowners are dealing with a 62% jump in insurance rates over the past five years—the highest increase in the country. Carriers are pulling out of neighborhoods. Policies are getting cancelled. People who’ve been with the same company for 15 years are getting letters in the mail saying “we’re done.”
That’s why we represent over 100 carriers. When one company won’t write your home insurance, we’ve got 99 others to call. And we don’t charge you a dime for that service.
You call us or fill out a form online. We ask you about your home, your current policy, and what happened with your last insurer. If you were dropped or hit with a massive increase, we want to know why—it matters when we’re shopping your policy.
Then we go to work. We pull homeowner insurance quotes from the carriers that make sense for your situation. Not every company writes in every Glendale, AZ neighborhood, and not every company will touch a home that’s filed a claim in the last three years. We know who will and who won’t.
You get options. Real options with real numbers. We walk you through what’s covered, what’s not, and where you might be able to save money without gutting your protection. If you’ve been with State Farm or Nationwide and they just priced you out, we’ll show you what else is out there.
Once you pick a policy, we handle the switch. That includes canceling your old policy so you’re not stuck doing paperwork with the company that just burned you. Then we stay in touch. When your roof needs replacing or you add a pool, we’re here to update your coverage before it becomes a problem.
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Standard homeowners insurance in Arizona covers your dwelling, your personal property, liability protection, and additional living expenses if your home becomes unlivable. It also covers monsoon wind damage, which matters in Glendale, AZ where summer storms can rip through without much warning.
Here’s what it doesn’t cover: flood damage, heat-related damage to your belongings, and earth movement. Those are separate policies or endorsements. If you’re near a wash or in a flood zone, you need to know that before the next monsoon season. Most people don’t find out until they file a claim and get denied.
Your policy should also include enough dwelling coverage to actually rebuild your home at today’s construction costs. A lot of homeowners in Glendale are underinsured because their coverage hasn’t kept pace with rising rebuild costs. If your policy was written three years ago and hasn’t been updated, there’s a good chance you’re not fully covered anymore.
We also look at your deductible and your liability limits. A $2,500 deductible might save you $200 a year on premiums, but it also means you’re paying $2,500 out of pocket before insurance kicks in. Sometimes that trade-off makes sense. Sometimes it doesn’t. We walk through it with you so you know exactly what you’re buying.
Arizona has seen the highest home insurance rate increases in the country over the past five years—62% on average. Glendale homeowners are feeling that squeeze just like everyone else across the Valley.
Insurance companies are raising rates because they’re paying out more in claims. More monsoon damage, more severe weather events, higher construction costs to rebuild homes. When their costs go up, your premiums go up.
Some carriers have also stopped writing new policies in certain areas or dropped existing customers to reduce their risk exposure. If your rate jumped or your policy got cancelled, it’s not necessarily because you did anything wrong. It’s because the insurance market in Arizona is tightening, and companies are trying to limit their losses.
When you buy homeowners insurance directly from a company like Progressive or Geico, you’re only seeing their rates and their coverage options. If they decide to raise your rate or drop your policy, you’re starting from scratch with a new company.
An independent agent represents multiple insurance carriers. We can quote your home insurance with over 100 different companies, compare coverage options, and find you the best combination of price and protection. If one carrier raises your rate at renewal, we can move you to a different company without you having to do the legwork.
You’re also working with a real person who’s available when you have questions or need to file a claim. We don’t work for the insurance company. We work for you. That’s a meaningful difference when something goes wrong and you need someone in your corner.
Most homeowners in Glendale are paying somewhere between $1,500 and $2,600 a year for home insurance, depending on the size of their home, the age of the roof, their claims history, and which carrier they’re with. Rates vary widely between companies.
Nationwide and State Farm tend to offer some of the more competitive rates in Glendale, but that doesn’t mean they’re the right fit for everyone. If you’ve filed a claim recently or you’re in a higher-risk area, those companies might not even write your policy. That’s where having access to 100+ carriers makes a difference.
Your rate also depends on your coverage limits, your deductible, and any endorsements you add to the policy. If you want flood coverage or equipment breakdown coverage, that’s extra. We help you figure out what you actually need so you’re not paying for coverage you don’t use or skipping coverage that could save you thousands later.
Standard homeowners insurance covers wind damage from monsoons, which is the most common type of storm damage in Glendale, AZ. If a monsoon knocks a tree onto your roof or blows out your windows, your policy should cover the repairs.
What it won’t cover is flood damage. If monsoon rains cause water to flow into your home from outside, that’s considered flood damage, and you need a separate flood insurance policy to cover it. A lot of homeowners don’t realize that until they’re standing in two inches of water and calling their agent.
Glendale sees over 1,000 flood events a year across Arizona, and many of those happen during monsoon season. If you’re near a wash or in a low-lying area, flood insurance is worth the conversation. It’s not as expensive as most people think, and it’s a lot cheaper than paying for water damage out of pocket.
Yes. Getting dropped by your insurance company doesn’t disqualify you from getting coverage somewhere else. It just means you need to work with an agent who knows which carriers will still write your policy.
Some companies won’t touch a home that’s had a recent cancellation or multiple claims. Others specialize in higher-risk policies and are willing to take on homes that other carriers won’t. We know which companies fall into which category, and we know how to present your situation in a way that gets you approved.
If your policy was cancelled because you filed a claim, we’ll find you coverage. If it was cancelled for non-payment or fraud, that’s harder but still possible depending on the circumstances. Either way, the worst thing you can do is let your coverage lapse. Arizona requires continuous coverage for most mortgage holders, and a gap in coverage makes it even harder to get insured later.
If you’re renting, your landlord’s insurance covers the building—but it doesn’t cover your stuff. If there’s a fire, a break-in, or water damage that ruins your furniture and belongings, you’re paying to replace all of it unless you have renters insurance.
Renters insurance is cheap. Most policies in Glendale run between $15 and $30 a month, and they cover your personal property, liability protection, and additional living expenses if your rental becomes unlivable. That means if your apartment floods and you need to stay in a hotel for a week, your renters insurance pays for it.
A lot of landlords in Glendale now require renters insurance as part of the lease agreement. Even if yours doesn’t, it’s worth having. You’ve got more to lose than you think, and replacing everything you own out of pocket gets expensive fast.
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