Insurance Brokers of Arizona

Call 480-812-1998

Arizona home insurance is up 71% since 2020. Did your premium go up without a claim?

  • Gilbert office, licensed Arizona advisors, 20 years in the state
  • We price your home and auto across 40+ carriers in one go
  • Two minutes now, no cost, no obligation to switch

Three quick questions, then where to send it.

Arizona home insurance premiums climbed 71% between 2020 and 2025, the sixth largest rise in the country, and Arizona now averages $2,225 a year (LendingTree 2026 Home Insurance Stability Report). Rate filings are statewide, so two houses on the same street can pay very different prices. We shop Arizona home and auto together across our carriers and show you what your own numbers look like.

Three ways the same house gets priced

Your renewal from one carrier

One company, one set of rate filings, whatever they decide to send you this year. No comparison at all.

A price you found online yourself

One quote, coverage you picked in a hurry, and no one checking that your home and auto fit together.

An independent broker pricing 40+ carriers for you

A licensed Arizona advisor puts the same coverage in front of our carriers and shows you the spread in writing.

This is what we do for you

How it works

  1. 1

    Answer three questions about your home and who covers you now.

  2. 2

    A licensed Arizona advisor prices your home and auto across our carriers.

  3. 3

    You get the numbers in writing before your renewal.

Why the same house gets two very different prices

Carriers file their rates with the state, so the pricing applies across Arizona rather than house by house. What changes your own number is how each carrier weighs the details of your home.

Roof age matters a lot here. So does the claims history attached to the address, even if the claim was not yours. Where it is allowed, a credit based insurance score is part of the calculation. And how your home and auto are packaged together can move both prices at once.

Every carrier weighs those things differently, which is why two neighbours can pay very different prices for similar coverage. Putting the same coverage in front of a group of carriers is the only way to see the spread.

Who is behind this

Insurance Brokers of Arizona

690 E Warner Rd Ste 108, Gilbert, Arizona 85296

Phone 480-812-1998

An independent agency founded in 2005, serving Gilbert, Mesa, Chandler, Tempe and Scottsdale, with over 2,300 five star Google reviews.

Plain English glossary

Dwelling coverage
The part of your policy that pays to rebuild or repair the structure of your house itself.
Replacement cost versus actual cash value
Replacement cost pays what it takes to replace something today. Actual cash value takes off wear and age first, so the cheque is smaller.
Deductible
The amount you cover yourself on a claim before the carrier pays the rest. A higher deductible usually means a lower premium.
Umbrella policy
Extra liability cover that sits on top of your home and auto policies once their limits run out.
Bundling home and auto
Placing both policies with the same carrier. It often changes the price of both, which is why we quote them together.

What we will not do

  • We will not sell your details to a lead marketplace.
  • We will not spam you.
  • We will not charge you for a quote.

Ready to see your own numbers?

Insurance Brokers of Arizona

690 E Warner Rd Ste 108, Gilbert, Arizona 85296

480-812-1998

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