Hear from Our Customers
You’re not stuck explaining your situation to someone reading from a script halfway across the country. When you call, you get someone in Arizona who knows what monsoon damage looks like and why dust storms aren’t just an inconvenience.
Your rate doesn’t jump 40% at renewal because your carrier decided to pull out of Arizona. We work with over 40 insurance carriers, so if one drops you or hikes your premium, we’ve got options already lined up.
You’re not discovering coverage gaps after filing a claim. Before you sign anything, we walk through what’s actually covered, what’s not, and where most Tempe homeowners get burned. No jargon. No assumptions that you know what “actual cash value” means versus “replacement cost.”
We’ve been writing home insurance policies across Arizona since 2015. We’re not captive to one carrier, which means we’re not making excuses when your company cancels you after a roof claim.
We’re based in Mesa and work throughout Tempe, Chandler, Gilbert, and the East Valley. Our team knows the difference between insuring a home near Tempe Town Lake versus one backing up to South Mountain. Elevation, flood zones, fire risk—these aren’t just checkboxes on a form.
When carriers started dropping Arizona homeowners in 2022 and 2023, we had our clients covered because we’d already built relationships with dozens of companies. That’s what an independent agency does. We represent you, not them.
First, we ask about your current policy. Not just the price—what you’re actually covered for, what your deductible is, and whether you’ve filed claims recently. If you’ve been cancelled or non-renewed, we need to know why. It affects which carriers will take you.
Then we run your home through our carrier network. We’re looking at 40+ options, but we’re not quoting all of them. Some won’t touch certain claim histories. Others won’t write in specific Tempe zip codes. We narrow it down to the ones that make sense for your situation.
You get real quotes with real coverage details. We’ll show you where one policy covers monsoon damage differently than another, or why one company’s roof depreciation schedule could cost you thousands after a hail claim. Once you pick a policy, we handle the paperwork and cancel your old coverage if you want.
After that, you’ve got a local contact. If your situation changes—you add a pool, finish a renovation, buy a rental property—you’re not starting from scratch with a 1-800 number.
Ready to get started?
Standard homeowners insurance in Tempe covers your dwelling, other structures like a detached garage or casita, personal property, and liability if someone gets hurt on your property. Most policies also include loss of use coverage if your home becomes unlivable after a covered event.
What catches people off guard is what’s not automatically included. Flood insurance is separate—and yes, parts of Tempe flood. FEMA maps show flood zones near the Salt River and around Tempe Town Lake. If you’re in one of those areas and you have a mortgage, your lender probably requires it.
Sewer backup, equipment breakdown, and water damage from slow leaks usually aren’t covered unless you add endorsements. Same with expensive items like jewelry, art, or collectibles—standard policies cap personal property coverage per item, often at $1,500 or $2,500.
Roof coverage varies wildly between carriers. Some pay replacement cost for the entire roof. Others depreciate based on age, so a 15-year-old roof might only get you 50% of replacement cost. In Tempe, where roofs take a beating from heat and monsoons, this isn’t a small detail.
You’re not stuck without options, but you need to move quickly. Arizona law requires insurers to give you at least 45 days’ notice before cancelling your policy, unless you didn’t pay your premium.
If you’ve been cancelled after a claim, most standard carriers won’t touch you right away. You’ll likely need to go through a surplus lines carrier or a company that specializes in higher-risk policies. These cost more—sometimes 30% to 50% more than what you were paying.
The key is getting coverage in place before your cancellation date. If you let your policy lapse, even for a day, it gets harder and more expensive to get insured. We work with carriers that specifically write policies for homeowners in this situation, so you’re not scrambling to find coverage on your own.
Tempe homeowners typically pay between $1,200 and $2,500 per year for home insurance, depending on your home’s age, size, and claims history. That’s slightly higher than the Arizona average, mostly because property values in Tempe are above the state median.
Homes near Arizona State University or in older neighborhoods like Maple-Ash or Mitchell Park tend to cost less to insure because they’re smaller and have lower replacement costs. Newer builds in South Tempe or near the Karsten Golf Course cost more because replacement costs are higher.
Your rate also depends heavily on your roof’s age and condition. Insurers in Arizona have gotten strict about roofs—if yours is over 15 years old, some carriers won’t write you at all, and others will only offer actual cash value coverage instead of replacement cost. That can save you money upfront but costs you significantly more if you ever need to file a claim.
If you’re near the Salt River, Tempe Town Lake, or in certain areas south of Baseline Road, yes. Standard homeowners insurance doesn’t cover flood damage, and Tempe has more flood risk than most people realize.
FEMA’s flood maps show high-risk zones along the Salt River corridor and around the lake. If you’re in one of these zones and you have a federally backed mortgage, your lender will require flood insurance. Even if you’re not in a high-risk zone, flooding can still happen—especially during monsoon season when storm drains get overwhelmed.
Flood insurance through the National Flood Insurance Program typically costs between $400 and $1,200 per year in Tempe, depending on your flood zone and coverage amount. It’s a separate policy, and there’s usually a 30-day waiting period before coverage kicks in, so you can’t buy it when a storm is already headed your way.
Don’t just accept it. Get quotes from other carriers before your renewal date. Insurance companies have been hiking rates across Arizona, but not all of them are increasing at the same pace.
If your rate jumped more than 20%, ask your current insurer why. Sometimes it’s because of claims you filed. Other times it’s because the company is raising rates across the board in Arizona. If it’s the latter, you’re not going to fix it by calling and complaining—you need to shop around.
Bring us your current policy declarations page, and we’ll run it through our carrier network. We can usually find you comparable coverage for less, or better coverage for around the same price. The biggest mistake people make is staying with the same company out of habit, especially when that company just hit them with a massive increase.
It’s one of the first things insurers look at, and it can make or break your ability to get coverage. If your roof is over 15 years old, many carriers in Arizona won’t write you a new policy. The ones that will often require a roof inspection first.
Even if you get coverage with an older roof, you’ll likely only get actual cash value coverage instead of replacement cost. That means if your roof gets damaged, the insurance company pays you based on the depreciated value of your roof, not what it costs to replace it. On a 20-year-old roof, that could be a difference of $10,000 or more.
If your roof is approaching 15 years old and you’re planning to stay in your home, replacing it before it becomes a problem with insurers is usually the smarter financial move. A new roof not only gets you better coverage options, but it can also lower your premium because you’re less of a risk.
Yes, but the discounts that actually matter aren’t the ones most people think about. Bundling your home and auto insurance with the same carrier usually saves you 15% to 25% on both policies. That’s the biggest discount available.
Security systems, smoke detectors, and fire alarms can get you another 5% to 10%, but only if they’re monitored systems. A basic smoke detector you bought at Home Depot doesn’t count. Same with deadbolts—insurers want to see upgraded locks, not just standard builder-grade hardware.
If your home is newer or recently renovated, you might qualify for a discount based on updated electrical, plumbing, or roofing. Some carriers also offer discounts if you’ve been claims-free for three to five years. The key is asking what discounts you actually qualify for, not just what’s theoretically available.
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