Hear from Our Customers
You’ve been with the same company for years. Then you filed one claim and suddenly your premium spiked 50%, or worse, they dropped you entirely. That’s not loyalty, that’s leverage.
Here’s what actually matters: access to over 100 insurance carriers means we’re not stuck defending one company’s decision to jack your rates. When your renewal comes back ugly, we have options. Real ones.
Queen Creek homeowners are dealing with the same mess you are. Arizona saw an 11.4% rate increase in 2024 alone, the fourth-biggest jump nationwide. The average home here is worth $361,700, and you need coverage that reflects that value without bleeding you dry every year. We get house insurance quotes from multiple carriers so you can see what fair actually looks like.
Premier Choice Insurance is a family-owned independent agency based right here in Arizona. We’re not a call center. We’re not a chatbot. We’re people who pick up the phone and have been doing this long enough to know when you’re getting a raw deal.
We represent over 100 carriers, which means we work for you, not them. When State Farm, Progressive, Geico, or any other home insurance company sends you a renewal that makes your stomach drop, we can shop it against dozens of others. That’s the difference between a captive agent and an independent one.
Queen Creek has grown fast. The population hit over 71,000, and with that growth comes more insurance companies trying to figure out their risk models. Some are pulling back. Others are pricing aggressively to win market share. We know who’s doing what, and we use that to your advantage.
First, we talk. You tell us what you’re paying now, what coverage you have, and what’s driving you crazy about your current situation. This takes maybe ten minutes, and it’s free.
Then we shop. We pull homeowner insurance quotes from our network of 100+ carriers. We’re looking at your home’s value, your claims history, your location in Queen Creek, and any specific risks like monsoon or dust storm damage. We’re also checking if bundling your auto insurance drops your rate even further.
Finally, we explain what we found. Not in insurance jargon, in plain terms. If your current rate is fair, we’ll tell you. If it’s not, we’ll show you better options and handle the switch, including canceling your old policy at no cost to you. You don’t pay us extra for this service. The carriers compensate us, so our incentive is keeping you happy long-term, not just making a sale today.
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Arizona isn’t Florida. You’re not worried about hurricanes. But you do deal with monsoons, dust storms, and wildfire smoke that drifts in from other parts of the state. Your homeowners insurance needs to reflect that.
Standard policies cover your dwelling, personal property, liability, and additional living expenses if your home becomes unlivable. But here’s what matters locally: over 15% of Maricopa County properties face wildfire risk pricing, even in Queen Creek. Some carriers are pulling back or charging more because of it. Others aren’t. We know which ones.
You also want to look at your deductible, your liability limits, and whether you’re covered for things like water damage from a burst pipe during a rare freeze or roof damage from a haboob. The average Arizona homeowner pays $1,991 annually for home insurance, which is below the national average of $2,423. But that number means nothing if your specific home is getting quoted at $3,500 because of one claim three years ago. We customize your policy based on your actual situation, not state averages.
Arizona home insurance rates jumped 62% over five years, with an 11.4% increase in 2024 alone. That’s the fourth-biggest spike in the country. The reasons are straightforward: more frequent severe weather events, rising home values, increased construction costs, and insurance companies recalculating their risk models after paying out more claims than expected.
Some homeowners in Queen Creek and across Maricopa County are seeing 50% to 100% annual increases, especially if they filed a claim recently. Every claim you file gets added to your risk profile, and carriers use that to justify rate hikes. It’s not personal, it’s math, but it feels personal when you’ve been loyal for 15 years and suddenly you’re priced out.
The good news: not every carrier is raising rates the same way. Some are staying competitive to gain market share. That’s where shopping around makes a real difference. Getting home insurance quotes from multiple companies shows you what’s actually fair versus what’s just opportunistic pricing.
It’s more common than you’d think. Insurance companies can choose not to renew your policy, especially if you’ve filed multiple claims or one large claim that makes them nervous about future risk. In Arizona, over 15% of Maricopa County properties are at risk of higher prices or cancellations due to wildfire risk alone.
If you get non-renewed, you typically have 30 to 60 days to find new coverage before your policy expires. This is where having an independent agent matters. We can immediately shop your situation across 100+ carriers instead of you scrambling to call around yourself. Some carriers specialize in homes that other companies won’t touch, but you need to know who they are.
Don’t wait until you get the non-renewal notice. If your rates spiked after a claim, that’s often a warning sign. Get ahead of it by getting quotes now while you still have active coverage. It’s easier to switch on your terms than to panic-shop when you’re about to lose coverage entirely.
Usually, yes. Most carriers offer a multi-policy discount that can save you 15% to 25% on both your homeowners insurance and auto insurance. For a Queen Creek household paying $1,991 for home insurance and another $1,500 for auto, that’s real money back in your pocket every year.
But here’s the catch: bundling only saves you money if the combined rate is actually lower than buying separate policies from different companies. Sometimes a carrier offers a great auto rate but a terrible home insurance rate, and the bundle discount doesn’t make up the difference. That’s why we quote it both ways.
We work with 40+ top-rated auto insurance carriers alongside our 100+ home insurance options. We can show you what bundling looks like with Progressive, Geico, State Farm, and others, then compare that against splitting your policies. You shouldn’t have to guess which option is cheaper. We’ll run the numbers and show you exactly what you’d pay either way.
Your dwelling coverage should match what it would cost to rebuild your home from the ground up, not what you paid for it or what it’s worth on the market. The average home value in Queen Creek is $361,700, but replacement cost can be higher or lower depending on your home’s size, age, and features.
Construction costs have climbed significantly in Arizona over the past few years. If your policy hasn’t been updated recently, you might be underinsured. That means if your home is destroyed, your insurance payout won’t cover the full rebuild. Most lenders require enough coverage to rebuild, but even if your mortgage is paid off, you don’t want to be stuck with a $100,000 gap between your payout and your actual costs.
Beyond dwelling coverage, look at your personal property limits, liability coverage (usually $100,000 to $500,000), and additional living expenses if you need to live elsewhere during repairs. We walk through each of these with you and adjust your coverage so it actually matches your situation. You’re not paying for more than you need, but you’re also not leaving yourself exposed.
Yes. Renters insurance in Arizona typically runs $150 to $300 per year, and it covers your personal belongings, liability, and additional living expenses if your rental becomes unlivable. Your landlord’s insurance covers the building, but it doesn’t cover your stuff or protect you if someone gets injured in your unit and sues you.
Cheap renters insurance doesn’t mean bad coverage. It’s affordable because the carrier isn’t insuring the structure, just your belongings and liability. You can often bundle renters insurance with your auto policy and save even more. If you’re renting in Queen Creek and paying $150 a year for renters coverage, that’s about $12 a month to protect everything you own. It’s one of the easiest insurance decisions you’ll make.
We quote renters insurance the same way we quote homeowners insurance: multiple carriers, straightforward options, no pressure. If you’re renting now but planning to buy in Queen Creek soon, we can also show you what homeowner insurance quotes would look like so you’re prepared when the time comes.
Don’t let it lapse. Letting your homeowners insurance cancel for non-payment creates a coverage gap, and that gap makes you look like a higher risk to future carriers. You’ll pay more later to fix a problem you’re trying to avoid now.
Instead, call us before your renewal is due. We can shop your rate across 100+ carriers and find you something that fits your budget. Sometimes that means raising your deductible, adjusting your coverage limits, or switching to a carrier that’s pricing more competitively right now. Other times it means bundling your home and auto insurance to unlock discounts you’re not currently getting.
Arizona homeowners are dealing with rate shock across the board, but not every carrier is raising rates the same way. Some are staying aggressive to win customers. We know who they are, and we can get you quoted fast. If your renewal notice is sitting on your counter and you’re dreading it, pick up the phone. We’ve helped hundreds of Arizona families in the same spot, and we can walk you through your options in one conversation.
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