Hear from Our Customers
You’re not dealing with hurricanes or tornadoes in Cave Creek. You’re dealing with wildfires, monsoon storms, and extreme heat that cracks foundations and fries AC units. Your homeowners insurance should reflect that reality—not some cookie-cutter policy designed for the Midwest.
Most people don’t realize their coverage has gaps until they file a claim. Then they find out their roof damage isn’t covered the way they thought, or their deductible jumped without warning. That’s not a surprise you want during monsoon season.
We shop over 40 carriers to find home insurance quotes that actually cover what matters in Cave Creek, AZ. That means wildfire risk, monsoon damage, and the kind of claims that happen when you live in the desert. You get options, real explanations, and coverage that makes sense for a median home value pushing $792,000. No offshore call centers. No generic policies that don’t fit.
Premier Choice Insurance is a family-owned independent agency based right here in Arizona. We’ve been helping homeowners across the state find better coverage for years—not because we’re the biggest, but because we’re actually local and we pick up the phone.
We represent over 100 insurance carriers, which means we work for you, not them. When rates spike or a carrier pulls out of Cave Creek (and it’s happening), we have options. Progressive home insurance, Geico home insurance, regional carriers you’ve never heard of—we compare them all to find what fits your home and your budget.
Cave Creek homeowners are seeing rate increases between 50% and 100% annually. Some are getting non-renewed after decades with the same company. We’re here to help you navigate that mess with real conversations, not automated emails.
First, we talk. You tell us about your home, your current coverage, and what’s been frustrating you. If your rates doubled or your carrier dropped you, we want to know. That context matters when we’re shopping for house insurance quotes that actually work.
Second, we shop. We run your information through our network of 40+ top-rated carriers and pull real quotes. You’re not filling out the same form on ten different websites. We do the work, compare the coverage details, and bring you the best options with clear explanations of what you’re actually getting.
Third, we handle the switch. If you decide to move forward, we take care of canceling your old policy, setting up the new one, and making sure there’s no gap in coverage. You don’t have to call your old company or deal with the paperwork. We also stick around after—when you need to file a claim, adjust your coverage, or just ask a question, you call us. Same people, same local office.
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You get access to carriers you won’t find on your own. Some of the best homeowner insurance quotes in Cave Creek come from regional carriers that don’t advertise nationally. They’re financially strong, they cover Arizona risks, and they’re often more competitive than the big names you see on TV.
You also get someone who knows the local market. More than 15% of Maricopa County properties are at risk of higher premiums or cancellations due to wildfire exposure. Cave Creek sits right in that zone. We know which carriers are still writing new policies here, which ones are tightening underwriting, and how to position your home to get approved at a decent rate.
And you get ongoing support. Life changes—you add a pool, finish a remodel, install solar panels. We adjust your coverage when that happens so you’re not underinsured or overpaying. When monsoon season hits and your neighbor’s tree goes through your fence, you call us, not an 800 number in another state.
There’s no cost for our services. We get paid by the carrier you choose, so shopping with us doesn’t add to your premium. You’re getting more options and better service at the same price you’d pay going direct—or less, because we’re comparing rates across dozens of companies.
Arizona has seen a 62% increase in home insurance rates over the past five years—the fourth-biggest jump in the country. Cave Creek specifically is dealing with wildfire risk, which makes carriers nervous. More than 15% of Maricopa County properties are now considered high-risk for wildfire exposure, and that’s driving up premiums or causing cancellations.
Carriers are also dealing with increased claims from monsoon damage, extreme heat, and inflation in construction costs. When it costs more to rebuild your home, your coverage limits go up, and so does your premium. Some national carriers have stopped writing new homeowners insurance policies in high-risk Arizona areas altogether, which reduces competition and pushes rates even higher.
The good news is that not all carriers are reacting the same way. Some are still competitive in Cave Creek because they specialize in desert climates or have different risk models. That’s why shopping multiple carriers matters right now—you might find a rate that’s 30% lower just by comparing options.
When you go direct to a company like Progressive or Geico, you’re only seeing their rates and their coverage options. If they raise your rates or drop you, you’re starting over from scratch with a new carrier. That’s fine when the market is stable, but Arizona’s home insurance market is anything but stable right now.
As an independent agency, we represent 40+ carriers, so we’re comparing options across the entire market. If one carrier raises your rates at renewal, we can shop you to other companies without you lifting a finger. You’re not locked into one company’s pricing or underwriting decisions.
We also handle the service side. When you need to file a claim, adjust your coverage, or ask a question, you call us—not a 1-800 number. We know your policy, we know your home, and we’re local. That makes a difference when you’re dealing with a claim or trying to figure out if your coverage is still adequate after a remodel.
You need enough to rebuild your home at today’s construction costs, replace your belongings, and cover liability if someone gets hurt on your property. The median home value in Cave Creek is $791,900, but replacement cost is what matters—and that’s often different from market value.
Replacement cost accounts for labor, materials, and the time it takes to rebuild. In Arizona, construction costs have spiked due to supply chain issues and labor shortages. A home that was insured for $400,000 three years ago might need $500,000 or more in coverage today. If you’re underinsured and you have a total loss, you’re covering the gap out of pocket.
We also recommend adequate liability coverage—at least $300,000, but often $500,000 or more if you have significant assets. If someone gets hurt on your property and sues, liability coverage protects you. An umbrella policy can add another $1-2 million in coverage for around $200-300 a year, which is worth considering if you own a home in this price range.
Standard homeowners insurance covers your dwelling, other structures (like a detached garage or shed), personal property, loss of use, and liability. Dwelling coverage pays to repair or rebuild your home if it’s damaged by a covered peril—fire, wind, hail, lightning, theft, vandalism. Other structures and personal property work the same way.
Loss of use covers your additional living expenses if your home is uninhabitable after a covered loss. If a fire forces you out for three months, your policy pays for your hotel, meals, and other costs above your normal expenses. Liability covers you if someone is injured on your property or if you’re found legally responsible for damage to someone else’s property.
Here’s what’s typically not covered: flood, earthquake, normal wear and tear, and maintenance issues. If monsoon rains cause widespread flooding, you need separate flood insurance. If your AC dies because it’s old, that’s on you. And if your roof is damaged by wind, coverage depends on your policy—some cover full replacement, others pay actual cash value, which factors in depreciation. We make sure you understand what’s covered before you buy.
Yes. Getting dropped doesn’t mean you’re uninsurable—it just means that specific carrier decided your home didn’t fit their risk appetite anymore. Carriers are pulling back from certain areas or certain claim types, and it’s not always about you. Cave Creek’s wildfire risk is causing some carriers to stop writing new policies here, even for homes with no claims history.
We work with over 40 carriers, including some that specialize in homes other companies won’t touch. Some carriers focus on high-value homes, some cover homes with older roofs, and some are more comfortable with wildfire exposure. We know which ones are still writing business in Cave Creek and how to present your home in the best light.
If you’ve been non-renewed, the key is to shop quickly. You don’t want a lapse in coverage, and you don’t want to end up in the state’s high-risk pool (FAIR Plan), which is expensive and offers minimal coverage. We can usually find you a better option in the standard market if we have time to shop properly.
It depends on the math. Bundling often saves you 10-25% on both policies, which can add up to real money. If you’re paying $2,000 a year for homeowners insurance and $1,500 for auto, a 20% discount saves you $700 annually. That’s worth considering.
But bundling isn’t always the cheapest option. Sometimes the best home insurance company for your house isn’t the best for your car, and forcing them together costs you more overall. We’ve seen cases where someone saves $300 by bundling, but they could have saved $600 by splitting their policies between two carriers.
We shop both ways. We’ll show you the bundled price and the unbundled price, and you can decide what makes sense. We also factor in service quality—if one carrier has terrible claims service, saving $100 a year might not be worth the headache when you actually need them. Our job is to give you the full picture so you can make the call.
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