Hear from Our Customers
You get house insurance quotes from multiple companies without filling out the same form 10 times. You talk to someone local who knows what monsoon damage looks like and why your wildfire risk score matters in Mesa.
Most people come to us after their premium jumped 50% or more. Some got dropped entirely after filing one claim. That’s the reality right now in Arizona—rates are up over 60% in five years, and companies are leaving the state or rejecting applications outright.
We work with over 40 home insurance carriers. That means if one company won’t cover you or quotes you something ridiculous, we’ve got 39 other options to try. You’re not stuck with whoever your parents used or the company that bundled your car insurance five years ago.
We’ve been in Mesa since 2008. We’re not a 1-800 number or a website that sells your info to six companies. We’re a family-owned agency with a physical office and real people who pick up the phone.
We’ve earned over 930 five-star Google reviews and won Agents of the Year in 2023 because we do the boring work that matters—reading your policy, checking your coverage limits, and making sure you’re not underinsured when something actually happens. We also handle the cancellation of your old policy if you switch. No extra charge.
You call or message us with basic info about your home—address, square footage, roof age, that kind of thing. We plug it into our system and pull homeowner insurance quotes from the carriers that make sense for your situation.
Then we walk through the options with you. Not every company will offer the same price or the same coverage, so we explain what you’re actually getting. Some policies cover monsoon wind damage differently. Some have higher deductibles but lower premiums. We help you figure out what fits.
Once you pick a policy, we handle the paperwork and coordinate the start date with your mortgage company if needed. If you’re switching from another insurer, we cancel that policy for you. The whole process usually takes a few days, sometimes less if you need coverage fast.
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Your homeowners insurance should cover the structure of your home, your belongings, liability if someone gets hurt on your property, and additional living expenses if your house becomes unlivable. That’s standard. But the details matter a lot in Mesa.
Monsoon season brings high winds, hail, and flash flooding. Your policy needs to cover wind-driven rain and water damage from storms, not just “flooding” as defined by FEMA. Wildfire risk is climbing across Arizona, and some insurers are dropping coverage in areas they consider high-risk. If you live near the edge of town or back up to open desert, you need a carrier that will actually insure you without charging double.
Roof age is a huge factor right now. If your roof is over 15 years old, some companies won’t cover you at all. Others will, but only with a depreciated payout if it gets damaged. Tile roofs tend to get better rates than other materials in Arizona—averaging around $1,894 annually compared to over $2,100 for shake roofs.
We also write renters insurance if you’re not ready to buy yet, and we can bundle your home and auto coverage to save you 10-25% on both policies.
Arizona homeowners have seen the highest rate increases in the country—up over 62% in the last five years. That’s not because you did anything wrong. It’s because insurance companies are paying out more in claims for monsoon damage, wildfires, and rising construction costs.
A lot of carriers have also left the state entirely or stopped writing new policies. When there’s less competition, the companies that stay can charge more. If you’ve been with the same insurer for years, they know switching is a hassle, so they raise your rate and hope you don’t shop around.
The good news is that rates vary wildly between companies. One might quote you $2,800 a year while another quotes $1,600 for the same house. That’s why it’s worth getting multiple home insurance quotes instead of just accepting the renewal your current company sends.
The average monthly cost for home insurance in the Phoenix metro area is around $184 to $224, depending on where exactly you live and what your home looks like. Mesa tends to fall somewhere in that range, but your actual rate depends on your home’s age, roof condition, square footage, and claims history.
If your roof is older than 15 years, expect higher quotes—or outright rejections from some carriers. If you’ve filed claims in the past three years, especially for water damage or theft, that’ll push your rate up too. Homes near the edge of Mesa or close to desert areas may face higher premiums due to wildfire risk.
You can lower your rate by raising your deductible from $1,000 to $2,500, which typically saves about 12% per year. Bundling your home and auto insurance with the same company usually saves another 10-25%. Installing a security system or updating an old roof can also help, but those savings vary by carrier.
This is happening more often in Arizona. Some homeowners have been rejected by 20+ companies, especially if their home is in a high wildfire-risk area or has an older roof. If you’re in that situation, you’re not out of options—you just need access to more carriers.
We work with over 40 insurance companies, including some that specialize in harder-to-place homes. Some carriers are more flexible about roof age. Others focus on specific areas or property types. If one company says no, we move to the next one until we find coverage that works.
In rare cases where no standard carrier will insure you, Arizona has a state program called the FAIR Plan that provides basic coverage. It’s not ideal—it’s more expensive and covers less—but it keeps you insured and satisfies your mortgage company. We can help you apply if it comes to that, and we’ll keep checking back with standard carriers as the market shifts.
It depends on how much the damage costs and what your deductible is. If the repair is only a few hundred dollars more than your deductible, it’s usually not worth filing a claim. Insurance companies track every claim you file, and even one claim can raise your rate or make it harder to find coverage later.
But if you’re looking at $5,000 or $10,000 in damage from a monsoon storm or a burst pipe, file the claim. That’s what you’re paying for. Just know that filing a claim—especially for water damage—can lead to non-renewal when your policy is up. Some companies will drop you after a single claim, even if it wasn’t your fault.
Before you file, call us. We can help you figure out whether it makes sense based on your specific policy and claims history. If you do file, we’ll help you navigate the process and deal with the adjuster. And if your company non-renews you after, we’ll find you a new carrier before your coverage lapses.
Standard homeowners insurance doesn’t cover flooding as defined by the National Flood Insurance Program. That means if water comes up from the ground or flows across your property during a monsoon storm, your regular policy won’t pay for it. You need a separate flood policy for that.
Most of Mesa isn’t in a high-risk flood zone, so your mortgage company probably doesn’t require flood insurance. But flash flooding does happen here, especially in areas near washes or low-lying streets. If you’re anywhere near the Salt River or one of the canal systems, it’s worth considering.
Flood insurance through FEMA typically costs a few hundred dollars a year for homes outside high-risk zones. It’s not expensive, and it can save you tens of thousands if a monsoon dumps enough rain to flood your street. We can add it to your policy when we quote your homeowners insurance—it’s a separate policy, but we handle both.
You can switch your homeowners insurance anytime. You’re not locked in. If your rate just went up or you found a better deal, you can cancel your current policy and start a new one whenever you want.
Most people switch right before their renewal date to avoid any refund confusion, but you don’t have to wait. If you cancel mid-term, your old company will refund you for the unused portion of your premium. We handle the cancellation for you, so you don’t have to call them or worry about overlap.
The only thing to watch out for is your mortgage company. They require continuous coverage, so you need to make sure your new policy starts the same day your old one ends. We coordinate that timing when we set up your new coverage. You won’t have a gap, and your lender won’t send you angry letters.
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