Hear from Our Customers
You’re not calling an 800 number. You’re talking to someone in Arizona who picks up the phone and knows what a haboob does to your property, what wildfire risk means for your premiums, and why your rate just jumped after 15 years of loyalty.
We represent over 100 insurance carriers. That means we’re not locked into one company’s underwriting rules or rate increases. If your current carrier drops you or doubles your premium, we have options—Progressive home insurance, Geico home insurance, regional carriers, and specialty markets that still write policies in high-risk areas.
You get house insurance quotes from multiple companies at once. We handle the comparison, explain what each policy actually covers, and help you decide based on your home’s age, location, and what you’re willing to pay out of pocket if something happens. No pressure, no runaround—just real options and straight answers.
Premier Choice Insurance is a family-owned independent agency serving Arizona homeowners across the state. We’ve been helping people in Anthem, North Phoenix, and surrounding communities find homeowners insurance that actually works for them—not just the cheapest policy, but the right one.
We’re not a call center. Our office is here, our agents are here, and when monsoon season hits or wildfire smoke rolls in, we’re dealing with the same conditions you are. That matters when you’re filing a claim or trying to figure out if your roof damage is covered.
Over 930 five-star Google reviews and recognition as Agents of the Year in 2023 didn’t happen by accident. It happened because we show up, we follow through, and we don’t disappear when things get complicated.
First, we talk. You tell us about your home—where it is in Anthem, when it was built, what kind of roof you have, whether you’ve filed claims recently. We ask questions that matter because the answers affect what carriers will offer and what rates you’ll see.
Then we shop. We pull homeowner insurance quotes from our network of over 100 carriers. Some you’ve heard of, some you haven’t. We’re looking for coverage that fits your home’s risk profile and your budget, not just the lowest number.
After that, we compare. We walk through what each policy covers—dwelling, personal property, liability, loss of use. We explain deductibles, coverage limits, and exclusions. We point out where one policy is stronger than another and why it might cost more.
You decide. We don’t push. If you want to think it over, fine. If you want to move forward, we handle the paperwork, bind the coverage, and cancel your old policy for free. Once you’re covered, we’re still here—if your situation changes, if you have questions, if you need to file a claim.
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Standard homeowners insurance in Arizona covers your dwelling, your belongings, liability if someone gets hurt on your property, and additional living expenses if your home becomes unlivable. But the details matter—especially in Anthem.
Wildfire risk is real here. Arizona has nearly 122,000 homes at extreme wildfire risk, and Anthem sits in an area where carriers are getting selective. Some companies won’t write new policies. Others are non-renewing existing customers. We work with carriers who still insure homes in higher-risk zones, and we make sure you understand what’s covered if a wildfire threatens your property.
Monsoon season runs June through September. Flash flooding, wind damage, and roof damage from hail or debris are common. Your home insurance should cover sudden water damage from storms, but it won’t cover flood damage from rising water—that requires separate flood insurance. We’ll tell you if you need it based on your home’s location and elevation.
Heat damage is another factor. Extreme temperatures can crack roof tiles, warp siding, and stress HVAC systems. Not every policy treats heat-related damage the same way. We help you find coverage that doesn’t leave you guessing when your roof starts failing after a brutal summer.
Rates are climbing across Arizona because of wildfire risk, increased construction costs, and carriers pulling back from high-risk areas. If you’ve been with the same company for years and just saw a big jump, it’s likely because they’re repricing their entire book of business—not just you.
Some carriers are raising rates 20% to 40% in areas near wildland interface zones. Others are non-renewing policies altogether. Anthem sits close enough to higher-elevation wildfire zones that some companies consider it elevated risk, even if your specific neighborhood hasn’t had a fire.
The good news is that rates vary wildly between carriers. One company might quote you $3,000 a year while another quotes $1,800 for similar coverage. That’s why working with an independent agent who can shop multiple carriers matters. We’re not tied to one company’s underwriting decisions or rate increases.
Renters insurance covers your personal belongings and liability, but not the building itself—that’s your landlord’s responsibility. Homeowners insurance covers the structure, your belongings, liability, and additional living expenses if you can’t live in your home after a covered loss.
If you’re renting in Anthem, cheap renters insurance might run you $15 to $30 a month. It’s worth it because it protects your stuff if there’s a fire, theft, or water damage, and it covers you if someone gets hurt in your rental and sues.
If you own your home, you need homeowners insurance—and if you have a mortgage, your lender requires it. The cost depends on your home’s value, age, location, and your deductible. In Anthem, you’re probably looking at $1,500 to $2,500 a year for a typical single-family home, though that can vary based on wildfire risk and claims history.
Yes, standard homeowners insurance covers wildfire damage to your home and belongings. If a wildfire destroys or damages your house, your policy should pay to repair or rebuild it, minus your deductible.
The challenge isn’t whether wildfire damage is covered—it is. The challenge is finding a carrier willing to insure your home in the first place. Arizona has seen major carriers like State Farm and Allstate stop writing new homeowners policies in higher-risk areas. Anthem isn’t in the highest-risk tier, but it’s close enough to wildland areas that some companies are getting selective.
If you’re having trouble finding coverage, or if your current carrier non-renewed you, we work with specialty carriers and regional companies that still write policies in areas other carriers won’t touch. The rates might be higher, but you’ll have coverage. And if your situation improves—say, the county improves fire mitigation in your area—we can re-shop your policy and potentially move you to a more competitive carrier.
You need enough dwelling coverage to rebuild your home from the ground up at today’s construction costs. That’s not the same as your home’s market value or what you paid for it. Construction costs in Arizona have jumped significantly in recent years, and if your coverage hasn’t kept pace, you could be underinsured.
Most lenders require you to insure your home for at least the loan amount, but that might not be enough. If your home is worth $450,000 but would cost $550,000 to rebuild because of labor and material costs, you need $550,000 in dwelling coverage—not $450,000.
We help you figure out the right amount by looking at your home’s square footage, construction type, age, and features. We also recommend replacement cost coverage for your belongings instead of actual cash value, because replacement cost pays to buy new items while actual cash value depreciates what you owned. It costs a bit more, but it makes a huge difference if you ever file a claim.
Yes. Being non-renewed doesn’t mean you’re uninsurable—it means your old carrier decided to stop writing policies in your area or changed their risk appetite. It’s happening to thousands of Arizona homeowners right now, and it’s not a reflection on you.
We work with over 100 carriers, including companies that specialize in homes other carriers won’t touch. Some focus on older homes, some write policies in high-risk wildfire areas, and some work with homeowners who’ve had recent claims. The rates might be higher than what you were paying, but you’ll have coverage.
The key is to start shopping before your current policy expires. If you wait until the last minute and your old carrier has already non-renewed you, your options shrink and your rates go up. Give us at least 60 to 90 days if possible. That gives us time to shop properly and find you the best combination of coverage and price given your situation.
It depends on where your home sits and whether you’re in a FEMA flood zone. Standard homeowners insurance covers water damage from monsoon storms—like rain coming through a damaged roof or wind-driven water—but it doesn’t cover flooding from rising water, wash overflow, or ground saturation.
Anthem has areas near washes and drainage channels where heavy monsoon rains can cause localized flooding. If your home is in or near a flood zone, your mortgage lender might require flood insurance. Even if it’s not required, it might be worth considering if your home is downslope from higher terrain or near a wash that fills up during storms.
Flood insurance is separate from your homeowners policy and comes through the National Flood Insurance Program or private flood carriers. We can help you figure out if you need it based on your home’s location and elevation, and we can get you quotes if it makes sense. Most people in Anthem don’t need it, but the ones who do are glad they have it when monsoon season hits hard.
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