Common questions Arizona residents ask about home, auto, and related insurance — with plain-English answers from a licensed independent agency.
Arizona requires drivers to carry liability coverage of at least 25/50/15: $25,000 in bodily injury per person, $50,000 per accident, and $15,000 in property damage. Uninsured motorist coverage must be offered, but you can decline it in writing. Given that Arizona has a meaningful share of uninsured drivers on the road, keeping uninsured/underinsured motorist coverage on your policy is one of the highest-value protections you can carry.
Often yes — standard homeowners policies typically cover wind damage and damage from rain that enters through wind-created openings (a missing shingle, a broken window), subject to the policy's terms, exclusions, and any applicable endorsements. Damage from flooding or rising water during monsoon storms is not covered and requires separate flood insurance. Damage from blowing dust, hail, and lightning is generally covered. The line that catches Arizona homeowners off guard is water that enters from the ground up — that is flood, not wind.
Possibly. Standard homeowners insurance excludes flood damage everywhere, including Arizona. Monsoon flash flooding is a real risk in low-lying neighborhoods, washes, and properties with poor drainage, even in areas not designated as FEMA flood zones. Flood coverage is sold separately through NFIP or private flood insurers and is often inexpensive in lower-risk zones.
Sustained extreme heat shortens the life of roofs, HVAC systems, and vehicle components, but most heat-related wear is treated as gradual deterioration and is not covered by either homeowners or auto policies. Sudden heat-driven losses — a fire from electrical failure, for example — are generally covered. For homes, keeping the roof and HVAC well maintained matters both for insurability and to avoid claim disputes; carriers may inspect older roofs and apply actual cash value (rather than replacement cost) on roofs over a certain age.
Yes — hail is a covered peril on standard Arizona homeowners policies. However, some carriers apply a separate, higher percentage-based deductible (often 1% to 5% of dwelling coverage) for wind/hail losses. This is worth checking on every policy: a 2% wind/hail deductible on a $400,000 home is $8,000 out of pocket before coverage starts.
We are licensed across all of Arizona. Our clients are concentrated in the Valley of the Sun — Phoenix, Mesa, Scottsdale, Chandler, Gilbert, Glendale, Tempe — and Tucson, plus surrounding areas. Our office is in Meridian, Idaho, so Arizona clients work with us by phone, email, and video.
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