Hear from Our Customers
Your current insurer just sent the renewal notice. The premium jumped $1,200. Or maybe they’re not renewing at all, and you’ve got 60 days to find someone who will actually cover your home in Wittmann.
You’re not imagining it. Arizona homeowners saw an 11.4% rate increase in 2024 alone—fourth highest in the country. Some people are reporting 50% to 100% annual jumps, and over 15% of Maricopa County properties are at risk of non-renewal because of wildfire exposure ratings.
That’s where access matters. When you work with an independent agency, you’re not stuck with one carrier’s pricing algorithm or underwriting mood. You get quotes from dozens of companies at once. Some will be high. Some will be competitive. And one will probably make you wonder why you’ve been overpaying for years.
Premier Choice Insurance is a family-owned independent agency. We’ve been helping Arizona homeowners compare coverage and avoid bad policies for years, and we’ve built a reputation on actually picking up the phone when you call.
We’re not a call center. We’re not an app. You’ll work with licensed agents who live here, understand monsoon damage and wildfire risk, and know what it’s like to get blindsided by a premium increase you didn’t see coming.
We’ve earned over 930 five-star reviews on Google, won Agency of the Year in 2023, and were named one of the Three Best Rated Insurance Agents in Mesa. That doesn’t happen by accident. It happens when you treat people like people and do the work right.
First, you reach out. Phone, email, walk-in—whatever works. We’ll ask about your home, your current policy, and what’s frustrating you about it. If your rates spiked or your insurer dropped you, we want to know why.
Then we shop your coverage across 40+ carriers. We’re not selling you one company’s product. We’re comparing what’s available from dozens of insurers—some you’ve heard of, some you haven’t—and showing you the differences in price, coverage, and terms.
Once you pick a policy, we handle the paperwork. That includes canceling your old policy if you want us to. No charge for that service. And if something changes down the road—you renovate, add a pool, buy a rental property—we’re still here. You’re not starting over with a new agent every time life shifts.
Ready to get started?
Wittmann sits in the northwest corner of Maricopa County. It’s rural, it’s growing, and it’s exposed to wildfire risk and monsoon storm damage. Your policy needs to reflect that.
You need dwelling coverage high enough to rebuild at today’s construction costs—not what your home was worth in 2019. Labor and materials have surged since 2020, and most people are underinsured without realizing it. You also need liability protection in case someone gets hurt on your property, and personal property coverage for everything inside your home.
If you’re near wildland areas, expect questions about defensible space and roof condition. Carriers are tightening underwriting standards around wildfire exposure, and some won’t insure homes that don’t meet mitigation requirements. But if you’ve cleared brush, updated your roof, or installed ember-resistant vents, that can open up options and lower your premium.
You might also want flood coverage. Standard homeowners policies don’t cover flooding, and Wittmann’s desert terrain can channel water fast during monsoons. If you’re in a wash area or downstream from burn scars, a separate flood policy makes sense.
Arizona home insurance rates jumped 71% between 2020 and 2025. That’s not a typo. Wildfire risk, rising construction costs, and increased claim frequency all pushed premiums higher across the state.
Insurers also started pulling out of high-risk areas or dropping customers after claims. If your carrier non-renewed your policy, it’s likely tied to wildfire exposure scores or claims history. Over 15% of Maricopa County properties are now considered at risk for non-renewal.
The good news is that not every company prices risk the same way. One insurer might see your Wittmann address as high-risk and charge accordingly. Another might have different underwriting models and offer you a better rate. That’s why shopping matters more now than it did five years ago.
Enough to rebuild your home at current construction costs. That number is probably higher than you think. Labor and material costs spiked after 2020, and rebuilding a 2,000-square-foot home in Arizona can easily run $300,000 or more depending on finishes and site conditions.
Your dwelling coverage should match that rebuild cost—not your home’s market value or what you paid for it. A lot of people are underinsured because they haven’t updated their coverage limits in years. If your home burns down and your policy only covers $250,000, you’re covering the rest out of pocket.
You also want liability coverage of at least $300,000, ideally $500,000. If someone gets hurt on your property and sues, that’s what protects your assets. Personal property coverage should reflect what it would actually cost to replace your furniture, electronics, clothes, and everything else inside your home. Most policies default to 50-70% of your dwelling coverage, but you can adjust that if you need more.
Yes, but you’ll need to shop around. Some carriers won’t touch properties in high-risk wildfire zones. Others will insure you if you’ve taken mitigation steps—clearing brush, upgrading your roof to Class A fire-rated materials, installing ember-resistant vents, or creating defensible space around your home.
If you’ve been rejected by multiple insurers, an independent agent can help. We work with 40+ carriers, including some that specialize in harder-to-place properties. We know which companies are still writing policies in Wittmann and what they’re looking for in an application.
In some cases, you might end up in Arizona’s FAIR Plan, which is the state’s insurer of last resort. It’s more expensive and offers less coverage than a standard policy, but it keeps you insured while you work on mitigation or wait for the market to stabilize. We can walk you through that process if it comes to it.
A captive agent works for one insurance company. If you call a State Farm agent, they sell State Farm policies. If you call Farmers, they sell Farmers. That’s it. They can’t shop your coverage across multiple carriers because they’re employed by one.
An independent agent works for you, not an insurance company. We represent 40+ carriers, so when you ask for a quote, we’re comparing options from dozens of insurers at once. That means better odds of finding a lower premium or better coverage terms.
It also means we’re not incentivized to push one company’s product. If Carrier A has the best price but Carrier B has better wildfire coverage, we’ll show you both and explain the tradeoff. You make the call. Our job is to give you the information and handle the paperwork once you decide.
Probably, especially if you’re near a wash or in a low-lying area. Standard homeowners insurance doesn’t cover flood damage. If monsoon rains cause water to flow through your home, you’re paying for repairs yourself unless you have a separate flood policy.
Wittmann’s desert terrain can channel water fast during storms, and areas downstream from recent wildfire burn scars face even higher flood risk. Burned vegetation doesn’t absorb water the same way, so runoff increases and flash flooding becomes more likely.
Flood insurance is available through the National Flood Insurance Program (NFIP) or private insurers. NFIP policies are standardized and capped at $250,000 for dwelling coverage and $100,000 for contents. Private flood policies can offer higher limits and sometimes better pricing depending on your property. We can quote both and show you what makes sense for your situation.
Every one to two years, especially right now. Arizona’s insurance market is volatile. Carriers are adjusting pricing algorithms constantly, and a company that was competitive last year might not be this year. Another insurer might have entered the market or changed their underwriting appetite for your area.
If your premium jumped more than 10-15% at renewal, that’s a clear signal to shop. If your carrier non-renewed your policy, you’re shopping whether you want to or not. And if you’ve made improvements to your home—new roof, updated electrical, wildfire mitigation work—those changes can qualify you for discounts you weren’t eligible for before.
Shopping doesn’t mean you have to switch. Sometimes your current carrier is still the best option. But you won’t know unless you compare. And when you work with an independent agent, that comparison takes one conversation instead of a dozen phone calls to different companies.
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