Hear from Our Customers
Arizona homeowners saw rates jump 62.1% over five years—the highest increase of any state. In 2024 alone, premiums climbed another 11.4%. If your current company just hit you with a renewal that made your stomach drop, you’re not imagining things.
Here’s what changes when you work with an independent agency. You get access to over 100 carriers, not just one. That means we can shop Progressive, Geico, and dozens of other home insurance companies you’ve heard of—plus regional carriers that often beat the big names on price. We pull multiple home insurance quotes at once, compare coverage side by side, and show you what actually fits.
You’re not locked into whoever your auto policy is with. You’re not stuck calling around yourself. And if your rate spikes next year, we don’t just shrug—we go back out and shop it again.
We’re not a call center in another state. Premier Choice Insurance is a family-owned agency based right here in Arizona, and we’ve built our reputation on being available when it matters. That’s 930+ five-star Google reviews, Agents of the Year in 2023, and recognition as one of the Three Best Rated Insurance Agents in Mesa.
Youngtown has a unique insurance landscape. With a median home age of 1979 and over 61% of residents owning their homes, you’re dealing with older construction, monsoon exposure, and wildfire risk that’s crept into Maricopa County. More than 15% of properties in the county are now facing higher premiums or cancellations because of fire risk alone. We know what carriers will still write here, what discounts apply to older homes, and how to structure coverage so you’re not underinsured when something happens.
First, we ask about your home—age, size, roof condition, claims history, current coverage. This takes maybe ten minutes. It’s a real conversation, not a form you fill out and wait three days to hear back on.
Then we run your information through our network of carriers. We’re talking 100+ options, including the ones you know and plenty you don’t. Some specialize in older homes. Some offer better rates if you bundle. Some are more flexible with prior claims. We compare what comes back and walk you through the differences—not just price, but what you’re actually covered for.
Once you pick a policy, we handle the paperwork. If you need to cancel your old policy, we do that too at no cost. And when your renewal comes up next year, or if you file a claim, or if your roof needs replacing and you’re not sure how that affects your rate—we’re still here. You don’t get handed off to a 1-800 number. You call us.
Ready to get started?
Homeowners insurance in Arizona isn’t just about fire and theft anymore. Monsoon season brings wind damage and hail. Dust storms crack windshields and tear up siding. Wildfire smoke drifts in from miles away and suddenly your zip code is flagged as high-risk. Construction costs have spiked since 2020, which means your dwelling coverage from three years ago probably won’t cover a full rebuild today.
In Youngtown specifically, you’re also dealing with higher-than-average property crime rates, especially vehicle theft. That doesn’t always affect your homeowners policy directly, but it’s something carriers look at when they underwrite the area. Some pull out entirely. Others raise rates across the board.
When we write your policy, we’re looking at replacement cost on the dwelling, liability limits that actually protect your assets, and whether your deductible makes sense for your budget. We also look at discounts—bundling with auto, security systems, roof age, claims-free history. Small things that add up. And if you’re in an area where wildfire risk is creeping closer, we talk about what that means for your renewal and whether there are mitigation steps that help you stay insurable.
Arizona saw the biggest five-year rate increase in the country—62.1%—and another 11.4% jump in 2024 alone. The main drivers are wildfire risk, construction cost inflation, and increased claim frequency from monsoon storms.
More than 15% of Maricopa County properties are now considered at risk for wildfire-related rate hikes or cancellations. Even if your home isn’t near the wildland interface, carriers are pulling back from entire zip codes. On top of that, labor and materials costs have surged since 2020, so it costs more to rebuild or repair your home after a loss. Insurers are adjusting premiums to reflect that.
Some national carriers have stopped writing new policies in Arizona entirely. Others are non-renewing customers after claims. The market is tighter than it’s been in years, and that’s pushing rates up across the board.
Shop multiple carriers, raise your deductible if you can afford it, and ask about every discount you qualify for. Bundling home and auto is the easiest way to save 15-25% right off the top.
An independent agency like ours gives you access to 100+ carriers in one place. That includes Progressive home insurance, Geico home insurance, and regional companies that often beat the big names on price. We compare them side by side so you’re not just guessing.
Discounts vary by carrier, but common ones include claims-free history, security systems, new roofs, and age of home. Some carriers offer better rates for homes built after a certain year. Others give breaks for fire-resistant materials or proximity to a fire station. If you haven’t shopped your policy in a few years, you’re probably leaving money on the table.
If your carrier non-renews your policy, you typically get 30-60 days’ notice. That’s enough time to find new coverage, but you need to start looking immediately—don’t wait until the last week.
Getting dropped doesn’t mean you’re uninsurable. It usually means that carrier is pulling back from your area or tightening underwriting standards. In Arizona, this is happening more often because of wildfire exposure and claim trends. Some homeowners report being rejected by 20+ companies before finding coverage, especially in higher-risk zip codes.
This is where an independent agency makes a difference. We have access to carriers that specialize in non-standard or high-risk markets. We know which ones are still writing in Youngtown and what they’re looking for. If you’ve been dropped, call us before your coverage lapses—we’ll find you options.
Monsoon damage—wind, hail, rain—is typically covered under a standard homeowners policy. Wildfire is also covered under your dwelling and personal property coverage. You don’t need a separate policy for either.
What you do need to watch is your deductible and whether you have replacement cost coverage. Wind damage during monsoon season is common in Arizona, and if your deductible is too high, you might not file a claim even when you should. Wildfire smoke damage, on the other hand, is trickier—some policies cover it, some don’t, depending on how the loss is classified.
The bigger issue with wildfire isn’t whether you’re covered—it’s whether you can get coverage at all. Carriers are pulling out of high-risk areas or requiring mitigation measures like defensible space and fire-resistant roofing. If you’re in a zip code flagged for wildfire risk, let us know. We’ll make sure you’re with a carrier that’s not going to non-renew you after one season.
Almost always, yes. Bundling typically saves you 15-25% on both policies, and it simplifies your billing and renewal dates. Most carriers offer a multi-policy discount, and some throw in extra perks like accident forgiveness or disappearing deductibles.
That said, bundling only makes sense if the combined price is actually lower than keeping them separate. Sometimes a carrier offers a great rate on auto but their homeowners insurance is expensive, or vice versa. That’s why we quote both ways—bundled and separate—so you can see the real numbers.
We work with 40+ top-rated auto insurance carriers and 100+ home insurance companies. If bundling saves you money, we’ll show you. If it doesn’t, we’ll tell you that too. No pressure either way—we just want you to get the best rate for the coverage you need.
A captive agent works for one insurance company—State Farm, Allstate, Farmers, etc. They can only sell you that company’s products. An independent agent works with dozens or even hundreds of carriers, so we can shop the market and find you the best fit.
If you call a captive agent and their company quotes you $2,400 a year, that’s your only option. If you call us and we quote you with 10 different carriers, you might find the same coverage for $1,800. Or we might find that one carrier offers better wildfire coverage, or another has a lower deductible for the same price.
The other advantage is what happens when your rate goes up. A captive agent can’t do much—they’re stuck with one company. We go back out and shop your policy again. If your current carrier raises your rate 30% at renewal, we move you to someone else. You’re not locked in, and neither are we.
Local Resources
Useful Links
Other Services we provide in Youngtown
