Hear from Our Customers
You’re not stuck with one carrier’s rate anymore. When you work with us, you get access to dozens of options—Progressive, Geico, and 40+ other top-rated carriers—all compared side by side. That means better coverage for less, or the same coverage you have now at a price that doesn’t make you wince.
Your rate stays competitive because we can re-shop your policy when renewals come around. If your current carrier hikes your premium after a claim, we move you. If another company offers better coverage for monsoon damage or theft, we find it.
You also get someone local who picks up the phone. No offshore call centers. No automated runaround. Just real people in Arizona who know how home insurance works here and what Tucson homeowners actually need.
Premier Choice Insurance is a family-owned independent agency based right here in Arizona. We’ve been helping homeowners across the state—including Tucson—find the right coverage without the runaround. Our team is fully licensed, and we’ve earned over 930 five-star reviews on Google because we do what we say we’ll do.
We’re not captive to one insurance company. We represent over 40 carriers, which means we work for you, not them. When your policy comes up for renewal or your rate jumps unexpectedly, we’re the ones who go to bat and find you something better.
Tucson homeowners deal with unique risks—monsoon flooding, dust storms, extreme heat that wears down roofs and HVAC systems. We build policies around that reality, not some one-size-fits-all template from a national carrier that’s never seen a haboob.
First, we talk. You tell us about your home—size, age, roof condition, what you’ve got inside that matters. We ask about your current coverage and whether you’ve had claims or cancellations. This takes maybe ten minutes, and it’s not a sales pitch. We’re just gathering what we need to run accurate quotes.
Then we shop. We pull homeowner insurance quotes from our network of 40+ carriers and compare what each one offers for your specific property in Tucson. Some carriers are better for older homes. Some have better rates if you bundle with auto. Some cover monsoon damage more completely. We look at all of it.
Once we’ve got your best options, we walk you through them. We explain what’s covered, what’s not, and where you might want to adjust your limits or deductibles. You decide what works. If you want to switch, we handle the paperwork and even cancel your old policy if you want us to. Then you’re covered, and we’re still here when you need us.
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A solid homeowners insurance policy in Tucson should cover your dwelling, your personal property, liability, and additional living expenses if something makes your home unlivable. Dwelling coverage rebuilds your house if it’s damaged by fire, wind, hail, or vandalism. Personal property covers what’s inside—furniture, electronics, clothing. Liability protects you if someone gets hurt on your property and decides to sue.
In Tucson, you also need to think about monsoon season. Flash flooding isn’t always covered under a standard policy. Neither is earth movement or foundation issues caused by shifting soil during heavy rains. If you’re in a flood zone or near a wash, you’ll want separate flood insurance. We help you figure out what gaps exist and how to fill them.
You’ll also want enough coverage to actually rebuild. Construction costs have gone up. If your policy is based on what you paid for the house ten years ago, you’re probably underinsured. We make sure your dwelling limit reflects what it would cost to rebuild today—not what Zillow says your house is worth.
Insurance companies view claims as risk. Even if you’ve been with the same carrier for 15 years and never filed before, one claim can trigger a rate increase or non-renewal. It’s not personal—it’s how they manage their risk pool.
Some carriers are more forgiving than others. If you filed a claim for roof damage during a monsoon and your rate spiked, we can move you to a carrier that doesn’t penalize weather-related claims as heavily. That’s the advantage of working with us—we’re not locked into one company’s underwriting rules.
The key is shopping before your renewal hits. Once you’re non-renewed, your options shrink and prices go up. If you’ve already gotten the letter, call us anyway. We’ve placed plenty of homeowners who thought they were stuck.
Enough to rebuild your home at today’s construction costs, replace your belongings, and cover liability if someone gets hurt on your property. Most people underestimate all three.
Start with dwelling coverage. This should reflect the cost to rebuild your home from the ground up—not the market value or what you owe on your mortgage. In Tucson, that means factoring in labor costs, materials, and the time it takes to get permits and contractors after a major loss. A 2,000-square-foot home might cost $200 to $300+ per square foot to rebuild depending on finishes.
For personal property, walk through your house and add up what it would cost to replace everything. Most policies default to 50-70% of your dwelling coverage, but if you’ve got expensive furniture, electronics, or collections, you’ll want to increase that. Liability coverage should be at least $300,000, but $500,000 or $1 million is smarter if you have any assets worth protecting.
Monsoon wind and hail damage—yes. Flooding from monsoon rains—usually no, not under a standard homeowners policy.
If a monsoon storm tears shingles off your roof or breaks a window, that’s covered as wind damage. If hail dents your HVAC unit or damages your stucco, that’s covered too. But if water flows across the ground and into your house—whether from a wash overflowing or a street turning into a river—that’s considered flood damage, and you need a separate flood policy.
A lot of Tucson homeowners don’t realize they’re in a flood zone until it’s too late. Even if you’re not in a FEMA high-risk area, flash flooding can happen anywhere during monsoon season. We help you figure out if you need flood coverage and get you a quote through the National Flood Insurance Program or a private carrier. It’s usually cheaper than you think, and it’s a lot cheaper than paying out of pocket to dry out your house and replace everything the water ruined.
Yes, but cheap and bad aren’t the same thing. You want affordable coverage that actually pays when you file a claim—not a bare-bones policy that leaves you holding the bill.
The way to get a better rate without gutting your coverage is to compare carriers. Some companies charge more for the same coverage because of how they underwrite risk in Arizona. Others offer discounts for bundling with auto, installing a security system, or having a newer roof. We shop all of that for you.
You can also adjust your deductible. Going from a $1,000 deductible to $2,500 can drop your premium by 10-20%. Just make sure you’ve got that deductible amount saved in case you need to file a claim. We also look for coverage you might not need—like earthquake insurance if you’re not in a seismic zone—and trim the fat without cutting into the protection that actually matters.
You find a new carrier fast, because going without home insurance isn’t an option if you have a mortgage—and even if you don’t, it’s a terrible idea.
Non-renewal after a claim is more common than it should be. Carriers drop homeowners all the time, especially in Arizona where weather claims are frequent. If it happens to you, don’t panic. You’ve still got options.
We work with carriers that specialize in placing homeowners who’ve been non-renewed or had claims. Yes, your rate might be higher than it was before, but it won’t be as high as you think—and it’ll come back down once you’ve got a year or two of claims-free history. The important thing is getting coverage in place before your cancellation date hits. Call us as soon as you get the letter, and we’ll have quotes ready within a day or two.
If you want your stuff covered and you don’t want to pay out of pocket if someone sues you, yes.
Your landlord’s insurance covers the building. It doesn’t cover your furniture, your clothes, your electronics, or your liability if your dog bites someone or your candle starts a fire. Renters insurance does. It’s cheap—usually $15 to $30 a month—and it covers way more than most renters realize.
You get personal property coverage, so if there’s a break-in or a fire, you’re not replacing everything yourself. You get liability coverage, which protects you if someone gets hurt in your apartment and decides to sue. And you get additional living expenses, so if the building becomes unlivable, your policy pays for a hotel while it’s being repaired. We can quote you on renters insurance in about five minutes, and you’ll probably wonder why you didn’t get it sooner.
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