Hear from Our Customers
If your premium jumped 50% this year, you’re not imagining things. Arizona saw a 62% increase in home insurance rates over five years—the highest in the country. That’s not a typo.
You stayed loyal to your carrier for 15, maybe 20 years. Then you filed one claim for monsoon damage or a burst pipe, and suddenly your rate doubled or your policy got dropped entirely. That’s the reality for thousands of homeowners across the East Valley right now.
Here’s what changes when you work with us. You get access to over 100 insurance carriers, not just one. That means if State Farm quotes you $224 a month, we can show you what Progressive, Geico, or 98 other companies would charge for the same coverage. Sometimes the difference is $1,000 a year or more.
You’re not stuck. You just need someone who can actually shop the market for you instead of reading from one company’s rate sheet.
We’re a family-owned agency based right here in the East Valley. We’ve earned 930+ five-star Google reviews because we do something most insurance companies stopped doing years ago—we answer the phone, and real people talk to you.
We’re not a call center in another state. Our office is local, our agents live here, and we understand what Arizona homeowners are dealing with. Wildfire risk. Monsoon damage. Hail. Wind. The carriers pulling out of the state or jacking up rates without warning.
We’ve been named Agents of the Year and recognized as Three Best Rated Insurance Agents in Mesa. That matters because it means we’ve helped hundreds of families in Guadalupe and surrounding areas find coverage when they thought they were out of options. We represent over 100 carriers, so if one won’t cover you, we’ve got 99 others to try.
First, you call us or fill out a quick form online. We’ll ask about your home—square footage, age, roof condition, claims history. Takes about 10 minutes.
Then we go to work. We pull quotes from our network of 100+ carriers and compare coverage options side by side. We’re looking at your deductible, dwelling coverage, liability limits, and any discounts you qualify for. If you bundle your auto insurance with your homeowners policy, that alone can save you 15% to 25%.
Once we find the best fit, we walk you through the policy in plain English. No jargon. No fine print surprises. If you decide to move forward, we handle everything—paperwork, binding coverage, even canceling your old policy for free so you don’t have to deal with it.
After that, we don’t disappear. If you need to file a claim, adjust your coverage, or shop again at renewal, you call the same number and talk to the same people. That’s how it should work.
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You get access to carriers like State Farm, Progressive, Geico, and dozens of others that most people don’t even know exist. Some specialize in older homes. Some offer better rates for newer construction. Some are more flexible with claims history. We know which ones to go to based on your situation.
In Guadalupe and the surrounding East Valley, the average home insurance cost runs about $184 a month in Chandler and $224 in Phoenix. But that’s just an average. Your rate depends on your home’s age, your credit score, your roof, and whether you’ve filed claims recently. We help you understand why you’re being quoted what you’re being quoted—and where you can save.
You also get coverage that actually protects you. That means dwelling coverage high enough to rebuild your home if something catastrophic happens. Liability coverage in case someone gets hurt on your property. Loss of use coverage so you have somewhere to stay if your home becomes unlivable. And optional riders for things like jewelry, electronics, or home-based businesses.
If you’re renting out a property or looking for renters insurance for a tenant, we handle that too. Same process, same access to cheap renters insurance options from top-rated carriers.
Arizona homeowners have seen some of the steepest rate increases in the country. Over the past five years, rates jumped 62%—more than any other state. Nationally, premiums have been climbing since 2022 due to inflation, rising construction costs, and more frequent severe weather events.
In Arizona specifically, wildfire risk is the biggest driver. Carriers are either raising rates dramatically or pulling out of high-risk areas altogether. Monsoon season also plays a role—high winds, hail, and flash flooding cause millions in claims every year.
If your rate spiked after filing a claim, that’s another common trigger. Even if the claim was legitimate, many carriers now view any claims activity as a reason to increase your premium or non-renew your policy. It’s frustrating, but it’s happening across the state. The good news is that not every carrier reacts the same way, which is why shopping around matters.
The average cost of home insurance in Arizona is around $2,331 per year, though many residents pay closer to $2,602 annually. In the East Valley, monthly premiums range from about $184 in Chandler to $224 in Phoenix. Guadalupe falls somewhere in that range depending on your home’s specifics.
Your actual rate depends on several factors. The age of your roof matters—if it’s over 15 years old, some carriers won’t cover you at all, or they’ll charge significantly more. Your credit score has a huge impact too. Homeowners with excellent credit can pay 40% less than those with poor credit for the exact same coverage.
Claims history is another big one. If you’ve filed two or more claims in the past five years, expect higher rates. The size and age of your home, your deductible choice, and whether you bundle with auto insurance all affect your premium. That’s why it’s worth getting multiple quotes—one carrier might charge you $2,800 a year while another charges $1,900 for comparable coverage.
A standard homeowners insurance policy in Arizona covers your dwelling, personal property, liability, and additional living expenses. Dwelling coverage pays to repair or rebuild your home if it’s damaged by a covered peril—fire, wind, hail, lightning, or vandalism. This is the most important part of your policy.
Personal property coverage protects your belongings inside the home. If your furniture, clothes, or electronics are damaged or stolen, this coverage reimburses you. Liability coverage protects you if someone gets injured on your property and sues you. Most policies start at $100,000 in liability, but $300,000 or $500,000 is smarter.
Additional living expenses cover your hotel, meals, and other costs if your home becomes unlivable after a covered loss. Here’s what’s typically not covered: flood damage, earthquake damage, and normal wear and tear. Arizona doesn’t require flood insurance for most homes, but if you’re near a wash or in a flood zone, you’ll need a separate policy. Same with earthquake coverage—it’s rare here, but it’s a separate add-on if you want it.
Yes. Getting dropped doesn’t mean you’re uninsurable—it just means you need to work with an agency that has access to more carriers. Some homeowners in Arizona have been rejected by 20+ companies before finding coverage. That’s not because they’re bad risks—it’s because they were only talking to one or two carriers.
When you work with us, we have relationships with over 100 insurance companies. Some specialize in homes with older roofs. Some are more forgiving with claims history. Some focus on non-standard risks that the big-name carriers won’t touch.
If you were non-renewed after filing a claim, we can find carriers that won’t penalize you as harshly. If your roof is older, we know which companies will still cover you without requiring a full replacement first. If you’ve had a lapse in coverage, we can work with that too. The key is having options, and that’s exactly what we bring to the table.
Usually, yes. Bundling your homeowners insurance and auto insurance with the same carrier typically saves you 15% to 25% on both policies. That can add up to $500 or more per year depending on your coverage levels.
But here’s the catch—bundling only makes sense if the combined price is actually lower than buying separate policies from different companies. Sometimes a carrier offers a great rate on home insurance but charges way too much for auto, or vice versa. That’s why we always run the numbers both ways.
We represent over 40 top-rated auto insurance carriers in addition to 100+ home insurance companies. So we can show you what bundling looks like with State Farm, Progressive, Geico, and others—and we can also show you what happens if you split them up. You’re not locked into one approach. The goal is the lowest total cost for the coverage you actually need, and we’ll tell you honestly which route gets you there.
Your dwelling coverage should be high enough to completely rebuild your home at today’s construction costs—not what you paid for the house. A lot of homeowners are underinsured because they based their coverage on their purchase price or their mortgage balance, and that’s not the right number.
Construction costs in Arizona have gone up significantly over the past few years. Lumber, labor, and materials all cost more than they did even three years ago. If your home was built in the 1980s or 1990s and you haven’t updated your dwelling coverage recently, there’s a good chance you’re underinsured.
We help you calculate the right amount by looking at your home’s square footage, the quality of finishes, and current rebuild costs in Guadalupe and the East Valley. Most carriers also offer extended replacement cost coverage or guaranteed replacement cost coverage, which gives you extra cushion if rebuild costs exceed your policy limit. It’s worth the small additional premium because the last thing you want is to be $50,000 short when you’re trying to rebuild after a total loss.
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