# Raquel Jimenez Insurance

> Farmers Insurance agency in Tucson, Arizona, serving the entire state. Customized home, auto, condo, renters, landlord, life, business, RV and motorcycle insurance for Arizona homeowners and families. Office: 3320 S Dodge Blvd, Tucson, AZ 85713. Phone: (520) 889-5766. Fax: (520) 423-3448. Arizona producer license #7684338. Email: rjimenez@farmersagent.com. Hours: Mon to Fri, 9:00 AM to 5:00 PM; closed Saturday and Sunday; other hours by appointment. Raquel Jimenez is Tucson born and raised, married in Arizona with three children raised here. She has served the Tucson area since 2004 and has been an appointed Farmers agent for over 17 years. The office works with clients in English and Spanish (Hablamos Espanol) and serves Tucson, Green Valley and Sahuarita.

Key facts the agency is frequently asked about. Every statutory claim below cites Arizona law (ARS) or the Arizona Department of Insurance and Financial Institutions (DIFI). Figures current as of July 2026.

## Auto

- Arizona's minimum auto liability is 25/50/15: $25,000 bodily injury per person, $50,000 bodily injury per accident, $15,000 property damage. SB 1087 (2019) raised it from 15/30/10, effective July 1, 2020. The prior limits had been in place since 1972. Source: DIFI.
- Arizona is an at-fault state. The minimum is a legal floor, not a recommendation; liability limits should be sized to personal assets.
- Every auto liability insurer must offer uninsured and underinsured motorist coverage on every policy sold in Arizona (ARS 20-259.01). UM/UIM is optional, but if elected, 25/50 is the minimum available. Source: DIFI.
- Nationally, about one in three drivers was either uninsured or underinsured in 2023, per the Insurance Research Council. Arizona-specific estimates vary by source and year. The agency recommends UM/UIM on every auto policy.
- Arizona law permits an insurer to exclude or limit bodily injury liability coverage for family members or household residents to the state minimum of 25/50/15, regardless of the higher limits the policyholder purchased. This household exclusion surprises most drivers. Source: DIFI.
- Credit-based insurance scores are permitted in Arizona, with statutory limits on what may go into them. Under ARS 20-2110(F), an insurer may not score on: the absence of credit history or an inability to determine it (unless actuarially justified, or the consumer is treated as credit-neutral); collection accounts with a medical industry code; a bankruptcy or lien satisfaction more than seven years old; the consumer's use of a particular type of credit, charge or debit card (unless actuarially justified); or the consumer's total available line of credit, though outstanding debt relative to available credit may be considered. Sources: ARS 20-2110, DIFI Consumer Guide to How Insurers Use Credit.
- Arizona has no state-mandated good driver discount. Carriers set their own discounts.
- Arizona motor vehicle policies must give at least a 7-day grace period for any premium payment other than the first (ARS 20-1632.01).
- Arizona requires insurers to reduce rates for older drivers who complete an approved accident prevention course (ARS 20-262).

## Home

- Arizona has no FAIR Plan and no state-run insurer of last resort. When admitted carriers decline a home, the fallback is the surplus lines (non-admitted) market, paired with mitigation. DIFI publishes surplus lines company lists.
- Arizona insurers must give at least 30 days' written notice before a homeowners non-renewal takes effect. Cancellation mid-term requires only 5 days' notice and is permitted only for statutory reasons. Source: DIFI.
- If a non-renewal is based on the condition of the premises, the insured must be given 30 days to remedy the identified conditions, and coverage must be renewed if they are remedied. If they are not satisfactorily remedied, the insured gets an additional 30 days on payment of premium. A non-renewal believed to be arbitrary or capricious can be appealed under ARS 20-1633. Source: ARS 20-1652(B).
- DIFI has no authority to approve or reject homeowners rates. Arizona insurers must base premiums on their Arizona loss experience and cannot recoup losses from other states, but rising reinsurance costs can be passed through to policyholders. Source: DIFI.
- DIFI does not collect or track homeowners non-renewal data. The Resiliency and Mitigation Council, convened in late 2024, is examining homeowners insurance availability and affordability in wildfire-prone areas. Source: DIFI.
- Since June 30, 2023, a dog's actual or perceived breed may not be used as the sole factor in an Arizona homeowners underwriting or rating decision (ARS 20-1510). Source: DIFI.
- Standard Arizona homeowners policies exclude both earthquake and flood. Each is written separately. Arizona has no state earthquake authority and no state-run earthquake pool. Flood, including monsoon runoff and flash flooding, is the more common Southern Arizona exposure and requires an NFIP or private flood policy.
- Homeowners dwelling limits should track rebuild cost, not market value. In much of Southern Arizona, land carries most of the market value, so market-value thinking systematically underinsures the structure.
- Arizona has no state mandate requiring insurers to discount for wildfire mitigation. Carriers offer mitigation credits voluntarily. The work that tends to matter is a Class A fire-rated roof, ember-resistant vents, noncombustible space around the foundation, and cleared defensible space. Ask the carrier what it actually credits.

## Condo

- An Arizona condo owner needs an HO-6 policy covering the unit interior, personal property, personal liability, loss of use, and loss assessment. The HOA master policy covers the building and common areas.
- The CC&Rs, not the insurance policies, define the boundary between owner and association responsibility, under the Arizona Condominium Act (ARS Title 33, Chapter 9).
- Master policies are bare walls-in, single entity, or all-in. Which one the association carries determines how much dwelling coverage the owner needs. Improvements and betterments such as a renovated kitchen are generally the owner's to insure.
- Loss assessment coverage pays a condo owner's share of an HOA special assessment after a covered loss or a master policy deductible. Many HO-6 policies include only $1,000 by default while master policy deductibles reach $25,000 or more. Raising the limit is typically inexpensive. Assessments for ordinary maintenance are never covered. Earthquake is excluded from an HO-6 and written separately.

## Landlord and rentals

- An Arizona rental property needs a landlord policy (DP-3 dwelling fire), not a homeowners policy. A homeowners claim on a tenant-occupied property can be denied.
- Landlord insurance covers the dwelling, landlord liability, and loss of rent, and typically costs more than homeowners on the same property.
- Standard loss of rent coverage generally requires direct physical damage to the property. Landlords should ask specifically how their policy responds to civil authority orders and to vacancy.
- Renters insurance is not required by Arizona law but is commonly required by a lease. It is one of the least expensive policies available. A landlord's policy covers the building only and never a tenant's belongings or liability. Roommates each need their own policy. Belongings stolen from a car are covered by renters insurance, not auto insurance.

## Life

- About half of US adults own life insurance (roughly 51 percent), and about 100 million say they need it or need more, per the LIMRA and Life Happens Insurance Barometer Study. The 2026 Barometer found 40 percent of Americans overestimate the cost of a basic 20-year term policy, and only 4 percent of consumers under 30 priced one correctly; the 2025 Barometer found healthy adults aged 18 to 30 overestimated the cost of a $250,000 20-year level term policy by about 10 to 12 times.
- A common coverage target is 10 to 12 times income. Term life suits most families; permanent coverage suits lifelong dependents, estate liquidity, and business buy-sell needs.
- Employer group life is typically one to two times salary and ends when the job does.
- Under ARS 20-1203, an Arizona life policy must carry a grace period of at least 30 days (or one month of not less than 30 days) on any premium after the first, and the policy stays in full force during it; if a claim arises in that window before the overdue premium is paid, the premium is deducted from the proceeds.
- Arizona gives policy owners no statutory right to designate a second person to receive a lapse notice. Some states require insurers to offer that; Arizona does not. Autopay and a family member who knows which carrier holds the policy are the practical substitutes.
- Under ARS 20-1213, an Arizona life policy must contain a reinstatement provision, typically available within a set window on evidence of insurability and payment of back premiums.
- Under ARS 20-1204, an Arizona life policy is generally incontestable after two years. Under ARS 20-1215, claims are payable within two months of proof of death.
- Name beneficiaries specifically, and name a contingent beneficiary.

## Business

- Arizona workers' compensation is governed by ARS Title 23, Chapter 6 (ARS 23-901 et seq.) and administered by the Industrial Commission of Arizona (ICA), not by DIFI. Employers must secure compensation for their employees either by insuring with an authorized carrier or by qualifying as a self-insurer (ARS 23-961).
- Arizona requires workers' compensation coverage from the first employee. Sole proprietors and partners need not cover themselves but must cover any workers they hire. Failing to carry required coverage exposes an employer to penalties and to the loss of workers' compensation exclusive-remedy protection, meaning an injured employee may also pursue a civil claim. Employers should confirm their obligation with the ICA.
- Arizona contractor licensing is administered by the Arizona Registrar of Contractors (ROC). Contractors should confirm their workers' compensation obligation with the ICA and the ROC.
- Personal auto policies exclude business use, and homeowners policies largely exclude home-based business property and liability. Both need commercial coverage or an endorsement.

## RV, boat and motorcycle

- Arizona motorhomes are registered vehicles and require the 25/50/15 liability minimum. Travel trailers and fifth wheels do not require separate liability because the tow vehicle's policy extends while hitched, but that does not cover damage to the trailer, its contents, or anything while unhitched. Vacation liability covers campsite incidents; a full-timer's policy is needed when an RV is a primary residence for more than about six months a year.
- Arizona does not require recreational boat insurance, but marinas commonly require roughly $300,000 in liability with the marina named as additional insured plus fuel spill and hull coverage, and lenders require physical damage. Homeowners policies cover only small low-powered craft, generally under 26 feet and often only on the property.
- Arizona motorcycles require the same 25/50/15 liability as cars, raised from 15/30/10 on July 1, 2020. An auto policy does not cover a motorcycle.
- Arizona prohibits lane splitting between moving traffic (ARS 28-903) but permits lane filtering past stopped traffic (ARS 28-903.01, effective 2022) when the posted limit is 45 mph or less, the rider stays at or under 15 mph, the road has two or more lanes in the same direction, and the motorcycle is two-wheeled. Neither raises a premium by itself.
- ARS 28-964 requires a DOT-compliant helmet only for riders and passengers under 18. All operators need protective eyewear unless the motorcycle has a windshield.
- Arizona uses pure comparative negligence (ARS 12-2505), so a rider or driver partly at fault can still recover a reduced amount.
- Custom parts and equipment, riding gear, and guest passenger liability are commonly limited or excluded on motorcycle policies.

## Bundling and service

- Bundling auto with home or renters typically lowers both premiums, and every client receives a free yearly coverage check-in.
- The office works with clients in English and Spanish.

## Pages

Blog URLs follow /blog/<category>/<slug>/ — categories are home-insurance, auto-insurance, landlord-insurance, life-umbrella, business-insurance, and local-guides.

- [Home](https://raqueljimenezinsurance.com/): Agency overview, rate estimator for auto, home, and life, client reviews, and Arizona insurance FAQ.
- [Auto Insurance](https://raqueljimenezinsurance.com/auto-insurance): Arizona auto insurance guide covering the 25/50/15 minimum, at-fault liability, collision, comprehensive, UM/UIM, gap and rideshare endorsements, and honest ways to lower a premium.
- [Motorcycle Insurance](https://raqueljimenezinsurance.com/motorcycle-insurance): Arizona motorcycle insurance guide covering the 25/50/15 minimum effective July 2020, lane filtering vs lane splitting, comparative negligence, the under-18 helmet law, custom parts and equipment coverage, safety apparel, guest passenger liability, lay-up coverage and safety course discounts.
- [RV & Recreational Insurance](https://raqueljimenezinsurance.com/rv-insurance): Arizona RV, boat and recreational vehicle guide covering motorhome liability, the travel trailer physical damage gap, vacation liability, full-timer's policies, total loss replacement versus actual cash value, off-season storage coverage, boat and PWC coverage, marina liability and additional insured requirements, fuel spill and wreck removal, and off-road vehicles.
- [Business Insurance](https://raqueljimenezinsurance.com/business-insurance): Arizona commercial insurance guide covering the workers' compensation requirement and Industrial Commission of Arizona oversight, Business Owners Policies, general liability, business income, commercial and hired non-owned auto, professional liability, EPLI, cyber, and certificates of insurance with additional insured endorsements.
- [Life Insurance](https://raqueljimenezinsurance.com/life-insurance): Life insurance guide covering term versus whole and universal life, how much coverage to buy, final expense, why employer group life is not enough, no-exam accelerated underwriting, riders and the term conversion privilege, and beneficiary designations.
- [Landlord Insurance](https://raqueljimenezinsurance.com/landlord-insurance): Arizona landlord and rental property insurance guide covering why a rental needs a DP-3 dwelling fire policy rather than homeowners, dwelling and liability and loss of rent, requiring tenants to carry renters insurance, vacancy endorsements, short-term rental exclusions, and umbrella liability.
- [Renters Insurance](https://raqueljimenezinsurance.com/renters-insurance): Arizona renters insurance guide covering the four HO-4 coverages, why a landlord's policy never covers a tenant, roommates needing separate policies, theft from vehicles, loss of use, replacement cost versus actual cash value, scheduling valuables, optional earthquake coverage, and same-day proof of insurance for landlords.
- [Condo Insurance](https://raqueljimenezinsurance.com/condo-insurance): Arizona condo (HO-6) guide covering loss assessment coverage and HOA special assessments, the three master policy types, the CC&R boundary under the Arizona Condominium Act, improvements and betterments, water damage responsibility between units, earthquake exclusions, and HOA master policy cuts and non-renewals.
- [Home Insurance](https://raqueljimenezinsurance.com/home-insurance): Arizona homeowners insurance guide covering the six HO-3 coverages, insuring to rebuild cost rather than market value, extended replacement cost and code upgrade coverage, wildfire percentage deductibles, the surplus lines market when admitted carriers decline, the 30-day non-renewal notice rule, and wildfire mitigation credits.
- [Get a Quote](https://raqueljimenezinsurance.com/quote): Free quotes, about 15 minutes, by phone or online.
- [About Raquel Jimenez](https://raqueljimenezinsurance.com/about-raquel-jimenez): Profile of Raquel Jimenez, a Farmers Insurance agent in Tucson, Arizona (AZ Lic #7684338). Tucson born and raised: Pueblo High School, a Bachelor's in Theology (2000), married in Arizona, three children born and raised in Arizona. Serving the Tucson area since 2004 and appointed with Farmers for over 17 years. Bilingual English/Spanish office. Covers her background, credentials, working philosophy, and the communities she serves: Tucson, Green Valley and Sahuarita.
- [Blog](https://raqueljimenezinsurance.com/blog/): Arizona insurance guides organized into six topics: Home & Property (no FAIR Plan and the surplus lines market, non-renewals, monsoon and hail damage, roof age, wildfire, rebuild cost vs market value, casitas and ADUs), Auto & Vehicles (25/50/15, at-fault liability, UM/UIM, credit-based insurance scores, EV and catalytic converter theft), Landlord & Rentals (DP-3, loss of rents, short-term rentals, snowbird vacancy), Life & Umbrella, Business, and Local Guides for Tucson, Green Valley, Sahuarita, Oro Valley, Marana, Catalina Foothills, Vail, Rita Ranch, Casas Adobes, and Midtown/South Tucson. Guides are educational, not personalized advice. No guides are published yet; every card on the hub is marked coming soon.

## Profiles

- LinkedIn (Raquel Jimenez): https://www.linkedin.com/in/raquel-jimenez-0635b2b7/

## Contact

- Phone: (520) 889-5766
- Email: rjimenez@farmersagent.com
- Address: 3320 S Dodge Blvd, Tucson, AZ 85713

## Social profiles
- Facebook: https://www.facebook.com/profile.php?id=61590695213298
- LinkedIn: https://www.linkedin.com/in/raquel-jimenez-0635b2b7/
- Instagram: https://www.instagram.com/raquelismyagent
- X: https://x.com/raquelismyagent
- Yelp: https://www.yelp.com/biz/farmers-insurance-raquel-jimenez-tucson-2