Hear from Our Customers
Your home is probably your biggest investment. The right homeowners insurance means you’re not scrambling to cover repairs out of pocket when monsoon winds rip off shingles or a kitchen fire damages your walls.
It means your claim gets paid without a fight. Your rates don’t spike after one incident. And you’re not discovering gaps in coverage the day you file.
Most people don’t realize their policy excludes wildfire damage or limits water damage claims until it’s too late. That’s where an independent agency makes the difference. We compare policies across dozens of carriers—Progressive, Geico, and others—so you see what’s actually covered before you sign. You get house insurance quotes that reflect real protection, not just the cheapest premium with the most exclusions.
We’re Premier Choice Insurance, a family-owned independent agency based in Mesa and Peoria. We’ve been helping Arizona homeowners find better coverage for years, and we work with over 40 top-rated carriers to give you options your current company won’t.
We’re not a call center. You’ll talk to the same licensed agents who know Arizona risks—wildfires, monsoons, extreme heat—and how to build a policy around them. We serve the entire state, including St. Johns, and we’re in the office when you call.
Our team has earned 930+ five-star Google reviews and recognition as Agents of the Year in 2023 because we do the work: comparing policies, explaining coverage, and making sure you’re not overpaying or underprotected.
First, we talk. You tell us about your home, your current policy, and what’s been frustrating you—rate increases, claim denials, whatever it is. This takes about 10 minutes and it’s free.
Then we shop. We run your information through our network of 40+ carriers to find policies that fit your home and budget. You’ll see real home insurance quotes with clear coverage details—not just the premium, but what’s included and what’s not.
Once you pick a policy, we handle the paperwork. We’ll even cancel your old policy for you if you want. After that, we’re still here. If your situation changes or you need to file a claim, you call us directly. No phone trees, no transfers—just the agent who set up your policy.
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Standard homeowners insurance typically covers your dwelling, personal property, liability, and additional living expenses if your home becomes unlivable. But in Arizona—and especially in rural areas like St. Johns—standard isn’t always enough.
Wildfires are a real risk here. Some carriers exclude fire damage entirely or charge steep premiums in high-risk zones. We work with carriers who actually cover wildfire damage, including smoke infiltration and fire suppression efforts. That’s not standard everywhere.
Monsoon season brings high winds, hail, and flash flooding. Your policy should cover wind damage to your roof and structures, but water damage can be tricky. We make sure you understand what’s covered under your dwelling policy versus what requires separate flood insurance.
Liability protection matters too. If someone gets hurt on your property, you’re covered for medical bills and legal fees up to your policy limit. We typically recommend higher liability limits than the state minimum—it’s cheap coverage that protects your assets if something goes wrong.
You also get options. Want replacement cost coverage so you’re not reimbursed based on depreciation? Need higher limits for jewelry or electronics? We build that in. The goal is a policy that actually reflects what it would cost to rebuild your home and replace your belongings today—not what you paid for them years ago.
It depends on your home’s age, size, construction type, and the coverage limits you choose. In Arizona, the average homeowners insurance premium runs higher than the national average—mostly because of wildfire and weather risks.
In St. Johns, you might pay anywhere from $1,200 to $2,500 annually for a standard policy, but that range shifts based on your home’s specifics. Older homes or properties in higher wildfire risk zones typically cost more to insure. Newer builds with fire-resistant materials and updated electrical and plumbing systems usually qualify for better rates.
The best way to know what you’ll pay is to get actual quotes. We shop your home across 40+ carriers, so you see the range and can pick the best value. Sometimes the cheapest option excludes critical coverage, and sometimes a slightly higher premium gets you significantly better protection. We walk you through the differences so you’re not guessing.
Actual cash value pays you what your damaged property is worth today, after depreciation. Replacement cost pays what it actually costs to replace or rebuild, without factoring in depreciation. That difference can be thousands of dollars.
Here’s an example: Your roof gets damaged in a windstorm. It’s 12 years old. With actual cash value coverage, the insurance company calculates what a 12-year-old roof is worth—maybe half of what you originally paid—and that’s your payout. With replacement cost coverage, they pay what it costs to install a new roof today, regardless of your old roof’s age.
Most people want replacement cost coverage because it actually covers the repair or replacement. It costs a bit more upfront, but it’s worth it when you’re filing a claim. We make sure you understand which type of coverage you’re buying and help you decide what makes sense for your situation and budget.
It can, but not all policies do—and that’s a problem a lot of Arizona homeowners don’t realize until they file a claim. Some carriers exclude fire damage in high-risk areas or charge premiums so high they’re not realistic for most people.
We work with carriers who actually cover wildfire damage, including direct fire damage to your home, smoke damage to your interior and belongings, and even damage caused by fire suppression efforts like bulldozing or water used to fight the fire. That’s critical in Arizona, where wildfire season is a real threat.
If you live in or near a wildfire risk zone, we’ll make sure your policy explicitly covers fire. We’ll also talk about your home’s defensible space and any mitigation steps you’ve taken—like clearing brush or installing fire-resistant roofing—because some carriers offer discounts for those improvements. The goal is real coverage at a rate that works, not a policy that looks cheap until you need it.
Most Arizona homeowners insurance policies cover wind damage, which is good news during monsoon season when you’re dealing with 60+ mph gusts. That typically includes damage to your roof, siding, windows, and detached structures like sheds or ramadas.
But water damage is where it gets complicated. If wind blows your roof off and rain gets inside, that’s usually covered because the wind caused the opening. But if water seeps in through a window you left open or floods in from ground-level water, that might not be covered under your standard policy. Flood damage specifically requires separate flood insurance in most cases.
We go through these scenarios when we’re quoting your policy so you know exactly what’s covered. Arizona monsoons are unpredictable, and the last thing you want is to assume you’re covered for water damage only to find out your claim is denied. We make sure your policy matches the actual risks you face in St. Johns, and we explain the gaps so you can decide if you need additional coverage.
Yes. Getting dropped or non-renewed by your previous insurance company doesn’t mean you’re out of options—it just means you need an independent agent who works with multiple carriers instead of one.
Some carriers specialize in higher-risk policies or have more flexible underwriting guidelines. We represent over 40 carriers, so if one won’t cover you, we’ve got others who will. We’ve helped plenty of Arizona homeowners who were dropped after filing a claim or living in a high-risk area find new coverage that’s actually affordable.
The key is being upfront about why you were dropped. If it’s because of claims history, we’ll find carriers who don’t penalize you as heavily. If it’s because of your home’s location or condition, we’ll look for carriers who are more flexible in those areas. You’re not stuck with whatever the state’s high-risk pool offers—we find you real market options with real coverage.
Your homeowners insurance includes personal property coverage, but the standard limits might not be enough—especially if you have valuable items like jewelry, electronics, collectibles, or firearms. Standard policies typically cover personal property up to 50-70% of your dwelling coverage, but they also cap payouts for certain categories.
For example, most policies limit jewelry coverage to $1,000 or $2,000 total, even if you own pieces worth much more. Same with electronics, art, and other high-value items. If those limits don’t cover what you own, you’ll want to add scheduled personal property coverage or increase your limits.
We walk through this during your quote. You tell us what you own that’s valuable, and we make sure your policy reflects that. It’s usually cheap to add extra coverage for specific items—way cheaper than replacing them out of pocket if something happens. The goal is making sure your policy actually covers what you’d need to replace if your home was damaged or burglarized.
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