Hear from Our Customers
You’ve been loyal for years. Then your homeowners insurance bill shows up and it’s 50% higher than last year. Or worse—you get a non-renewal letter after one claim.
That’s the reality across Arizona right now. Rates jumped 11.4% in 2024 alone, and some homeowners are seeing premiums double. It’s not you—it’s the market.
Here’s what changes when you work with us. You get access to over 100 insurance carriers, not just one. That means real options when your current home insurance company decides to price you out or drop your coverage entirely. We compare house insurance quotes across carriers like Progressive, GEICO, State Farm, and dozens of others you’ve probably never heard of but should know about.
You also get someone local who picks up the phone. Someone who knows that wildfire risk in northern Arizona is pushing rates up, that monsoon damage isn’t always covered the way you think, and that flood insurance requires a separate policy. We handle the policy cancellation with your old carrier at no cost, and we review your coverage every year to make sure it still makes sense.
Premier Choice Insurance is a family-owned independent agency based in Mesa, serving homeowners across Maricopa Colony and the entire Valley. We’ve earned over 930 five-star Google reviews because we do what we say we’ll do—answer the phone, shop your options, and stay with you when life changes.
We’re not a call center. We’re not offshore. We’re right here in Arizona, with decades of experience navigating this state’s insurance market. That matters when you’re dealing with rate hikes, non-renewals, or coverage gaps that most people don’t discover until they file a claim.
We represent more than 100 carriers, which means we work for you, not them. When one company raises rates or tightens underwriting, we move your coverage to someone who wants your business.
First, we talk. You tell us what you’re paying now, what coverage you have, and what’s frustrating you about your current situation. If you’ve been hit with a rate increase or a non-renewal, we want to know why.
Then we shop. We pull homeowner insurance quotes from our network of over 100 carriers—including the big names and the regional players that often beat them on price. We’re looking at coverage limits, deductibles, wildfire and monsoon protections, and any discounts you qualify for.
Once we find the best fit, we walk you through the policy so you know exactly what you’re buying. No jargon, no fine print surprises. If you decide to switch, we handle the cancellation of your old policy at no charge. After that, we check in annually to make sure your coverage still fits your needs and your budget.
You’re not locked in. You’re not stuck. You’ve got options, and someone local who knows how to use them.
Ready to get started?
Standard homeowners insurance in Arizona covers your dwelling, personal property, liability, and additional living expenses if your home becomes unlivable. That includes fire, wind, hail, theft, and vandalism. It does not automatically cover flood damage, earthquakes, or wear and tear.
Here’s what matters in Maricopa Colony and the surrounding area. Wildfire risk is driving up premiums and causing non-renewals, especially in northern parts of the state. If you’re in a high-risk zone, some carriers won’t touch you. Others will—but you need an agent who knows which ones.
Monsoons bring wind, hail, and flash flooding. Your home insurance policy covers wind and hail damage, but flood damage requires separate coverage through the National Flood Insurance Program or a private carrier. Most people don’t realize that until it’s too late.
We also look at liability limits, which protect you if someone gets hurt on your property. With Arizona’s lawsuit climate, carrying just the minimum isn’t smart. We help you figure out what makes sense based on your assets and risk tolerance, not just what’s cheapest.
Arizona home insurance premiums have surged 70% over the past six years, with an 11.4% jump in 2024 alone. You’re not imagining it—this is one of the steepest increases in the country.
Several factors are driving this. Wildfire risk has pushed insurers to either raise rates or stop writing new policies in certain areas. Over 15% of Maricopa County properties are now at higher risk of price increases or cancellations because of wildfire exposure. Reinsurance costs—what insurance companies pay to protect themselves—have also skyrocketed, and those costs get passed down to you.
Construction costs are up, which means it’s more expensive to rebuild your home after a loss. Insurers adjust premiums to reflect that. Add in more frequent severe weather events like monsoons and haboobs, and you’ve got a market where carriers are tightening underwriting and raising rates across the board. The best defense is shopping your policy every year or two, because pricing algorithms change constantly and loyalty doesn’t pay anymore.
A captive agent works for one insurance company. If you call a State Farm agent, they can only sell you State Farm policies. If State Farm raises your rates or drops your coverage, that agent can’t help you find another option—you’re on your own.
We’re an independent agency, which means we work with over 100 carriers. We’re not tied to any single company, so we can shop your coverage across dozens of options and find the best combination of price and protection. If one carrier raises your rates, we move you to another one. If you get non-renewed, we’ve got alternatives ready.
It’s the difference between having one option and having a hundred. In a market where carriers are pulling out of Arizona or jacking up premiums, that access matters. You’re not stuck hoping your current company treats you fairly—you’ve got leverage, and someone who knows how to use it on your behalf.
No. Standard homeowners insurance policies exclude flood damage, and that catches a lot of people off guard. If a monsoon causes flash flooding and water enters your home, your homeowners policy won’t cover it.
You need separate flood insurance, which you can get through the National Flood Insurance Program or a private carrier. Even if you’re not in a high-risk flood zone, it’s worth considering. Flash floods can happen anywhere in Arizona, especially during monsoon season, and the damage can be devastating.
The good news is that flood insurance is often more affordable than people expect, especially if you’re not in a designated flood zone. We help you evaluate whether it makes sense based on your property’s location and your risk tolerance. It’s one of those coverages that feels optional until you need it—and by then, it’s too late.
The average monthly home insurance cost in the Phoenix metro area is around $224, but that varies widely based on your home’s age, size, construction type, coverage limits, and claims history. Some homeowners in Arizona are paying well under $150 a month. Others are over $300.
Rates have been climbing fast. Arizona homeowners are seeing increases of more than $700 over a three-year period on average, which is double the national rate. If you’ve been with the same carrier for years, there’s a good chance you’re overpaying—not because you did anything wrong, but because your company has been gradually raising your premium while competitors are pricing more aggressively to win new business.
The only way to know if you’re getting a fair rate is to compare house insurance quotes from multiple carriers. That’s where we make a difference. We pull quotes from over 100 companies in one shot, so you can see exactly where you stand and whether switching saves you money without sacrificing coverage.
A non-renewal means your insurance company has decided not to continue your policy when it expires. It’s not the same as a cancellation—you’ll have coverage through the end of your current term, and you’ll get advance notice, usually 30 to 120 days depending on the reason.
Non-renewals are happening more often in Arizona, especially in areas with wildfire risk. Some carriers are pulling back entirely, while others are non-renewing customers who’ve filed claims or have older roofs. It’s frustrating, but it’s legal, and it’s becoming more common as insurers try to manage their risk exposure.
If you get non-renewed, don’t panic. You have options. We can shop your coverage across multiple carriers and find someone willing to insure you. Some homeowners report being rejected by 20+ companies before finding affordable coverage, which is why working with someone who has access to a deep carrier network matters. We’ve placed coverage for people in tough situations, and we know which companies are still writing policies in Arizona and under what conditions.
Bundling can save you money, but it’s not automatic. Some carriers offer significant multi-policy discounts—sometimes 15% to 25% off your homeowners premium when you add auto insurance. Others barely move the needle.
The bigger question is whether bundling actually gets you the best overall price. Sometimes you’ll save more by splitting your policies between two different companies. For example, GEICO might have the best rate on your auto, while a regional carrier beats everyone on your home insurance. Bundling with a single company could cost you more than keeping them separate.
That’s why we compare both ways. We look at bundled quotes and separate quotes to see which combination saves you the most without compromising coverage. We represent over 40 top-rated auto insurance carriers and 100+ home insurance companies, so we’re not pushing you toward one option because it’s the only one we have. We show you the math, and you decide what makes sense.
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