Insurance for your whole life.

Most Arizona rate increases have little to do with you and a lot to do with the market. Wildfire losses, higher rebuilding costs, and the rising price of reinsurance (the insurance that insurers buy) have pushed premiums up statewide, even for homeowners who have never filed a claim.

What you can control: your deductible, mitigation credits, bundling, and making sure you aren't insured for more or less than your home actually costs to rebuild. That's exactly what a coverage check-in is for.

Start immediately, and don't panic. Arizona law requires your insurer to give you at least 30 days' written notice before a non-renewal takes effect, so you have time to line up replacement coverage. Non-renewal is not a cancellation, and for most Arizona homeowners since 2023 it has been a market decision rather than anything you did wrong.

Also check whether your ZIP is under a wildfire moratorium. After a declared state of emergency, Arizona can bar insurers from non-renewing homes in affected and adjacent ZIP codes for one year. Call us with your notice in hand and we'll walk through your options.

The surplus lines market is Arizona's insurer of last resort for property owners who can't get fire coverage in the standard market. It is not full homeowners insurance. A basic surplus lines market policy is named-peril coverage built mainly around fire, and it typically excludes theft, liability, and most water damage.

That's why most surplus lines market policyholders also carry a companion or "surplus lines" policy to fill the gaps. If you're on the surplus lines market or heading there, the goal is getting your total package to behave like a real homeowners policy, and eventually getting you back to the standard market.

No. A standard Arizona homeowners policy does not cover earthquake damage. You need a separate earthquake policy, and most Arizona earthquake coverage is written through the Arizona Earthquake Authority, purchased through your existing home insurer rather than directly.

One important exception: Arizona law requires your home policy to cover fire damage that follows an earthquake, whether or not you carry earthquake coverage. Earthquake deductibles are a percentage of your dwelling limit, and retrofitting an older home can earn a real discount.

Enough to rebuild your home, not enough to rebuy it. Your dwelling limit should track the cost to reconstruct your house at today's labor and material prices, which has almost nothing to do with what you paid or what Zillow says it's worth. In much of Southern Arizona, the land carries most of the market value and the structure costs far less to rebuild.

Under-insuring is the common mistake, and it only shows up at the worst possible moment. We'll run the rebuild numbers with you.

The biggest levers, roughly in order: bundle your auto with your home or renters policy, raise your deductible if you have savings to cover it, drop collision on a car that isn't worth much anymore, and make sure every discount you qualify for is actually applied (good student, low mileage, safety features, paid-in-full).

What doesn't work is quietly cutting your liability limits. That saves a few dollars a month and exposes everything you own. There's almost always a smarter place to trim.

A common starting point is 10 to 12 times your annual income, but the better math is specific to you: what's left on the mortgage, what it would cost to raise and educate your kids, any debts that wouldn't disappear, and how many years your family would need income if you weren't here.

Term life is usually far cheaper than people expect, especially in your 30s and 40s. Try the life tab in our rate estimator to ballpark it.

Landlord insurance covers the structure, your liability as an owner, and lost rental income if the property becomes unlivable after a covered loss. A standard homeowners policy is written for a home you live in, so it generally won't respond correctly once you rent the place out.

If you're converting a former residence into a rental, or renting out an ADU, call before the tenant moves in. That's the moment coverage needs to change.

An umbrella policy adds liability protection on top of the limits in your home and auto policies, usually starting at $1 million. If you're found responsible for a serious accident and the claim exceeds your underlying limits, the umbrella picks up from there instead of your savings, your equity, or your future wages.

For Arizona homeowners with real assets to protect, it's often the most protection per dollar available. A few hundred dollars a year is typical.

Your HOA's master policy generally covers the building's structure and shared areas. Your condo policy, an HO-6, covers everything the master policy doesn't: your interior walls, floors, cabinets, and fixtures, your belongings, your personal liability, and loss assessments the HOA can charge back to you.

The mistake is assuming the HOA has it handled. Read the master policy's limits, then insure the gap. We'll read it with you.