Hear from Our Customers
You’ve been with the same company for years. Then your premium jumps $2,000 overnight, or they drop you after one claim, or they refuse to cover your home because of the fire district. Now you’re scrambling to find house insurance quotes that don’t feel like a punch to the gut.
Here’s what changes when you work with an independent agency that actually shops the market for you. You get access to over 40 home insurance companies at once—not just one carrier’s rates. That means real options for homeowners insurance that covers Arizona’s specific risks: wildfires, monsoons, extreme heat damage, and the coverage gaps that standard policies miss.
You’re not locked into whatever Geico home insurance or Progressive home insurance offers if it doesn’t fit. You get a real person in Casas Adobes who picks up the phone, compares your options side by side, and explains what you’re actually buying. No automated responses. No waiting three days for a callback. Just straight answers about what protects your home and what doesn’t.
Premier Choice Insurance is a family-owned independent agency based right here in Arizona. We’ve been helping homeowners across Casas Adobes and the greater Tucson area navigate the insurance mess that’s hit Arizona harder than almost anywhere else in the country.
We represent over 100 insurance carriers. That’s not a sales pitch—it’s how we find you coverage when 22 other companies have already said no. We’ve earned 930+ five-star Google reviews because we show up when it matters, and we don’t disappear after you sign the policy.
You’ll work with fully licensed agents who’ve seen every version of this market. We’ve helped people who’ve been dropped after 20 years with the same carrier. We’ve found coverage for homes in fire districts that major insurers won’t touch. We’re Agents of the Year 2023 because we do the work other agencies won’t.
First, you talk to a real person. Not a chatbot, not a form that disappears into the void. You’ll speak with a licensed agent who asks about your home, your current coverage, and what’s changed since your last policy. This takes about 15 minutes, and it’s the only way to find out what you actually need versus what you’ve been sold.
Second, we shop your coverage across 40+ top-rated carriers. We’re comparing home insurance quotes from companies you know—and plenty you don’t—to find the best combination of price and protection. Some carriers won’t insure homes in certain Casas Adobes neighborhoods. Others specialize in high-risk properties. We know who’s who, and we know how to position your application so it doesn’t get auto-rejected.
Third, we present your options in plain language. You’ll see what each policy covers, what it costs, and where the gaps are. If you need flood insurance because wildfire risk has changed your property’s exposure, we’ll tell you. If you’re paying for coverage you don’t need, we’ll show you where to cut. Then we handle the paperwork, cancel your old policy if you want, and make sure everything transfers without a lapse.
Ready to get started?
Arizona ranks fourth in the country for home insurance rate increases—up over 62% in the last five years. Casas Adobes sits in an area where wildfire risk, monsoon damage, and extreme heat all converge. Your policy needs to account for that, or you’re going to find out what’s not covered at the worst possible time.
Standard homeowners insurance covers fire damage, wind damage, hail, and theft. But it doesn’t cover flooding—which becomes a real issue in areas where wildfires have burned and monsoon runoff has nowhere to go. It also doesn’t automatically cover the full cost of rebuilding if construction prices have jumped since you bought the policy. And if your roof is older than 15 years, some carriers won’t cover it at all.
We build policies that address what actually threatens homes in Casas Adobes. That means making sure your dwelling coverage reflects current rebuild costs, not what your home was worth in 2015. It means adding endorsements for water backup, equipment breakdown, and extended replacement cost if your home is in a higher-risk zone. It also means talking through whether you need separate flood insurance or an umbrella policy, depending on your property and your assets.
You’ll also get coverage for secondary damage—smoke damage from nearby wildfires, damage from fire suppression efforts, and loss of use if your home becomes unlivable after a covered event. These are the details that separate a cheap renters insurance-style policy from real protection. We make sure you’re not underinsured when it counts.
Arizona homeowners are seeing some of the highest rate increases in the country—62% over the last five years, with some people reporting 50% to 100% jumps in a single year. That’s not normal, and it’s not just your carrier.
Insurance companies are responding to a string of catastrophic losses. In 2023 alone, there were 23 separate billion-dollar disasters nationwide, including the Lahaina fire and California wildfires. Arizona has the fifth-most homes at risk for extreme wildfires in the U.S.—nearly 122,000 properties. Carriers are recalculating risk across the board, and they’re passing those costs directly to you.
If your rate doubled, it’s likely because your carrier is either trying to price you out or preparing to stop writing new policies in Arizona altogether. Some of the biggest names in home insurance have already suspended new policies in high-risk areas. The good news: not every carrier is reacting the same way. That’s why shopping your coverage across multiple companies right now can save you thousands.
Getting non-renewed is more common than it should be, and it’s happening to people who’ve never filed a claim. If your carrier dropped you, the first thing to know is that you’re not stuck. You have options—but you need to move quickly, because a lapse in coverage makes it harder to get insured elsewhere.
Start by finding out why you were dropped. Sometimes it’s the age of your roof. Sometimes it’s your location relative to a fire district or flood zone. Sometimes it’s just that the carrier is pulling out of Arizona entirely. Once you know the reason, you can address it. If it’s your roof, getting an inspection or replacing it might open up more options. If it’s location-based, you’ll need a carrier that still writes policies in your area.
This is where an independent agent makes a difference. We work with over 40 carriers, including some that specialize in high-risk properties or hard-to-place homes. We’ve placed coverage for people who were rejected by 22 companies. It takes more work, and sometimes the price is higher than you’d like—but it’s real coverage, and it keeps you protected while the market stabilizes.
Yes, standard homeowners insurance covers direct wildfire damage to your home and belongings. That includes fire, smoke damage, and damage caused by fire suppression efforts. If a wildfire destroys your home, your policy should cover the cost to rebuild, up to your dwelling coverage limit.
But here’s what most people miss: it doesn’t cover everything related to wildfire risk. If a wildfire burns through your area and the resulting erosion causes flooding during monsoon season, that flood damage isn’t covered under a standard policy. You need separate flood insurance for that. It also won’t cover landscaping, outdoor structures, or certain types of water damage unless you’ve added specific endorsements.
Arizona has some of the highest wildfire risk in the country, especially in areas near Casas Adobes where desert brush and dry conditions create perfect conditions for fast-moving fires. If you’re in or near a fire district, make sure your dwelling coverage is high enough to rebuild at today’s prices—not what your home was worth five years ago. Also confirm that your policy includes extended replacement cost coverage, which gives you extra cushion if construction costs spike after a major disaster.
The average cost of homeowners insurance in Arizona is around $1,283 per year, or about $107 per month. That’s actually lower than the national average—but it’s also misleading, because rates vary wildly depending on your home’s age, location, construction type, and claims history.
If your home is in a high-risk wildfire area, or if you’ve filed claims in the past few years, you could be paying significantly more. Some homeowners in Casas Adobes are seeing premiums of $3,000 to $5,000 annually, especially if they’ve been moved to a high-risk pool or assigned to a surplus lines carrier. On the flip side, if your home is newer, well-maintained, and in a lower-risk area, you might qualify for rates below the state average.
The bigger issue right now isn’t the average—it’s the increase. Arizona homeowners have seen rates climb over 70% from 2019 to 2024. That means if you were paying $1,200 a year in 2019, you could be looking at $2,000+ today. The only way to know what you’ll actually pay is to compare home insurance quotes from multiple carriers. One company might quote you $4,000 while another quotes $2,200 for the same coverage. That’s why working with an independent agency that shops the market matters.
Yes, if you’re in an area where flooding is a real risk—and in Arizona, that’s more common than people think. Standard homeowners insurance does not cover flood damage. Not from monsoons, not from flash floods, not from water backup after a wildfire burns through your area and changes how water drains across your property.
Casas Adobes and the surrounding areas experience intense monsoon storms that can dump inches of rain in minutes. If your home is near a wash, in a low-lying area, or downhill from a recent burn scar, you’re at risk. Flood insurance is a separate policy, usually purchased through the National Flood Insurance Program (NFIP) or a private flood carrier.
The cost depends on your flood zone. If you’re in a high-risk zone, expect to pay more. If you’re in a moderate- or low-risk zone, flood insurance can be surprisingly affordable—often a few hundred dollars a year. The catch is that flood policies have a 30-day waiting period before they take effect, so you can’t wait until the storm is forecasted. If you’re not sure whether you need it, ask. We’ll pull your flood zone map and walk you through whether it makes sense for your property.
Yes, and you won’t lose money doing it. If you find a better rate or better coverage elsewhere, you can cancel your current policy and switch at any time. Your old carrier will refund you the unused portion of your premium, minus any cancellation fees—which are usually small or nonexistent.
Switching mid-term makes sense if your rate just jumped, if your carrier dropped your coverage, or if you’re underinsured and need better protection. The key is to make sure your new policy starts before your old one ends, so there’s no gap in coverage. A lapse—even for a day—can make it harder to get insured later and might disqualify you from certain discounts.
We handle the cancellation process for you. Once you’ve chosen a new policy, we’ll coordinate the effective dates, notify your mortgage company if needed, and cancel your old policy so you don’t have to deal with the back-and-forth. You’ll get confirmation of your new coverage and a refund check from your old carrier, usually within a few weeks. If your rate doubled or your coverage doesn’t fit anymore, there’s no reason to wait until renewal. Let’s fix it now.
Local Resources
Useful Links
Other Services we provide in Casas Adobes
