Welcome to TWFG Cota Insurance
Stop Overpaying
for Insurance
We shop 40+ carriers to find you a
lower premium. Instantly.
Serving All of Arizona with Local Expertise
- Phone: 602-584-8591
- Hours: Mon-Fri 8:30am-5:00pm
- Address: 1176 E Warner Rd Suite 107 Gilbert, AZ 85296
Statewide service with hometown care.
Serving All of Arizona with
Local Expertise
All Arizona Coverage
We deliver comprehensive coverage across all of Arizona. We’re not just a company in Arizona; we’re built for Arizona’s unique needs.
Phoenix Metro
We know the Valley, from the Superstitions to the White Tanks. We’re your Gilbert neighbors, protecting what matters most.
Tucson Area
From the Catalinas to the Mission, we understand Tucson. Though based in Gilbert, our Southern Arizona expertise runs deep.
Northern Arizona
From desert heat to mountain snow, Northern Arizona is different. We understand its unique risks, with specialized high country protection.
Arizona Coverage
We deliver comprehensive coverage across all of Arizona. We’re not just a company in Arizona; we’re built for Arizona’s needs.
Phoenix
Metro
We know the Valley, from the Superstitions to the White Tanks. We’re your Gilbert neighbors, protecting what matters most.
Tucson
Area
From the Catalinas to the Mission, we understand Tucson. Though based in Gilbert, our Southern Arizona expertise runs deep.
Northern Arizona
From desert heat to mountain snow, Northern Arizona is different. We understand its unique risks, with specialized high country protection.
The Insurance Industry's Dirty Secrets
Captive agents work for ONE company. They can’t shop around when your rates skyrocket. They can’t switch you when claims get denied. They get paid to keep you trapped. Here’s what changes when you work with an independent agency.
Your Rates Go DOWN
While other companies automatically raise your prices every year, we actively shop 40+ carriers to find decreases. It's not unusual for clients to save hundreds or even thousands annually while getting better coverage.
Claims Get PAID
We know which companies have reputations for paying claims fairly and which ones look for any excuse to deny coverage. More importantly, we advocate for you during the entire process. You're never alone fighting the insurance company.
Coverage Makes SENSE
No more discovering that flood damage isn't covered after monsoon season hits. We explain everything in plain English before you buy, so you know exactly what's protected and what's not. No surprises, no insurance jargon, just clear explanations of your coverage.
You Get ANSWERS
When you call us, you get a real person in Gilbert who understands Arizona. Not a call center in another state where they've never heard of a haboob. We know which carriers cover dust storm damage, how monsoon claims work, and why Arizona's extreme heat affects your coverage needs.
What Our Clients Escape
The insurance industry counts on customer complacency. They bet on you auto-renewing despite rate increases. They assume you won't understand your coverage gaps until it's too late. They rely on making claims so difficult that you'll give up.
What You Get With Us
We work for you, not the insurance company. As your local Arizona advocate since 2008, we provide proactive reviews, claims support, and annual shopping. You get a local agent who actually answers their phone and always protects your interests.
We Solve Arizona's Biggest Insurance Headaches
Here’s how we protect you from Arizona’s specific insurance problems:
Desert Living Issues
Most insurers ignore Arizona’s desert risks like sun damage and heat-stressed A/Cs. We partner with carriers who understand our climate, providing real protection like full glass and mechanical breakdown coverage.
Monsoon & Water Damage
Insurers often deny monsoon claims with technicalities, calling wind-driven rain an uncovered “flood.” Our specialized policies provide clear coverage for your roof, pool, and landscaping, including additional living expenses.
Homeowner Nightmares
Standard policies create dangerous gaps by excluding solar panels, guest casitas, and adequate pool liability. We specifically endorse your policy to cover all structures, ensuring appropriate replacement and liability limits.
Rapid Growth Coverage
Arizona’s construction boom creates unique risks, causing confusion between builder warranties and insurance. We specialize in navigating these issues, ensuring you’re protected where your builder’s warranty coverage ends.
Why Two Brothers
Started This Agency
“We got tired of watching our friends and neighbors get taken advantage of by big insurance companies. Growing up in Arizona, we saw rates go up every year while service got worse. We watched our community struggle with denied claims after monsoons. We knew there had to be a better way.
That’s why we opened TWFG Cota Insurance – to be the agency we wished existed. No corporate games. No selling your information. No spam. Just honest advice from a family business that actually cares about your family.
When you call us, you get us. Not a call center. Not a sales team. Just two brothers who believe insurance should protect you, not trick you.”
– The Cota Brothers, Owners
Share your Experience
If we’ve helped you with insurance, we’d appreciate you sharing your experience with others. Online reviews on Google, Yelp, or Facebook help other Arizona families find trustworthy insurance guidance.
Your honest feedback, whether highlighting what you appreciated or suggesting improvements, helps us serve everyone better. We never purchase reviews or offer incentives for positive feedback. Every review you see is from real clients sharing real experiences. Every review you see is from real clients sharing real experiences.
Referrals Welcome
The greatest compliment we receive is when clients refer their family, friends, and colleagues to us. If you know someone struggling with insurance or looking for better service, we’d be honored to help them.
Let them know about us, and have them mention your name when they contact us so we can personally thank you. We treat every referral with extra care because we know your reputation is on the line. Thank you for your continued trust and confidence in our agency.
Get Your Free Quote Now
How Our Quote Process Actually Works
Getting an accurate insurance quote shouldn’t feel like applying for a mortgage. We’ve simplified the process while still getting enough information to provide real, accurate quotes – not those misleading lowball estimates other sites use to get your information
Tell Us What You Need
Start by selecting the type of insurance you need. Whether it's auto, home, business, or specialty coverage like classic cars or RVs, we need to know what you're looking to protect. You can select multiple types if you're interested in bundling - we'll show you both bundled and separate pricing so you can see what actually saves money.
Basic Information
We ask for the essentials only. Your name and contact information so we can send your quotes. Your address because insurance rates vary by location - Gilbert rates differ from Flagstaff rates.
Real Quotes, Real Explanations
Within 24 hours (often much sooner), you'll receive real quotes from multiple carriers. But we don't just send numbers. We explain what each quote includes, what it doesn't, and why prices vary. We'll point out coverage gaps in cheaper options and unnecessary add-ons in expensive ones
Your Decision, No Pressure
If you want to move forward, great - we'll handle everything. If you want to think about it, that's fine too. If you decide to stay with your current insurance, we'll respect that. We might follow up once to see if you have questions, but we won't hound you. No means no, and we respect that.
Family-Owned,
Not Corporate-Controlled
Your Information Stays Private
When you request a quote from big insurance websites, you become the product. They sell your personal information to dozens of agents, unleashing a relentless barrage of calls, emails, and spam text messages for months. It’s a frustrating invasion of your privacy.
Our philosophy is different. We NEVER sell your information. When you request a quote from us, it stays with us. You’ll only hear from our team for a no-pressure conversation on your schedule. No spam, just straightforward, honest guidance.
Real Relationships Not Transactions
To large corporate agencies, you’re just a policy number and a monthly payment, lost in a sea of data and call centers. We see you as our neighbor. The same family members who opened our doors in 2008 still answer your calls today, committed to building a long-term relationship with you.
When you need help with a claim or have questions about your coverage, you’ll talk to someone who remembers your name, understands your situation, and is ready to provide genuine support.
No High-Pressure Sales Tactics
Free from corporate quotas and manipulative sales scripts, our focus is entirely on you. As a family business, our reputation within the community means everything—far more than any single sale.
We are committed to providing honest guidance, which is why we’ll be the first to tell you if staying with your current insurance is your best option. It is this transparent, client-first approach that has allowed our family to proudly serve our neighbors for over fifteen years.
Common Questions About Contacting Us
Insurance companies count on customer loyalty and raise rates knowing most people won’t shop around. As an independent agency, we review your rates annually and switch you to better carriers when your current company gets greedy. Many clients save significantly just by letting us shop their renewal.
This is a myth insurance companies want you to believe. Most “loyalty discounts” are only 5-10%, while switching can save you 20-40%. We ensure you get all available discounts with your new carrier, often resulting in better coverage for less money than your “loyalty discount” provides.
Most agents can’t give you a straight answer because they don’t understand Arizona weather. We review your policy line-by-line and explain in plain English what’s covered. We’ll specifically show you coverage for monsoons, haboobs, flash floods, and other Arizona-specific risks. No surprises when you need to file a claim.
We don’t abandon you when things get difficult. Unlike captive agents who can’t help with claim issues, we advocate for you throughout the process. We help you understand policy language, ensure proper documentation, communicate with adjusters, and escalate to carrier management when needed. While we can’t guarantee outcomes, we use our relationships and experience to help you get fair treatment. We’ve successfully helped hundreds of clients navigate claim disputes.
Absolutely. Because we represent 40+ carriers, we find companies that want your specific risk profile. Your current company might hate insuring homes with pools, while another specializes in them. Most of our clients save significantly while getting better coverage than they had before.
We’re your advocate through the entire claims process. While you’ll report the initial claim to the carrier (we’ll help you do it correctly), we stay involved every step of the way. We assist with documentation, communicate with adjusters on your behalf, and escalate issues when they arise. You’re never alone fighting the insurance company – we use our experience and relationships to help ensure fair treatment.
Because our direct approach simplifies the entire insurance process and can lead to significant savings. When you work with us, you cut out the middleman and have a direct line to the team that underwrites, services, and pays your claims. This results in faster service, clearer communication, and a more streamlined experience when you need us most. Our experts can tailor your coverage perfectly, often with exclusive discounts that brokers cannot offer.
You have different questions?
Our dedicated support team is ready to answer your questions.
- Phone: 602-584-8591
- Fax: 281-298-8626
Representing Arizona's Most Trusted Insurance Companies
With access to over 40 A-rated insurance carriers, we find the perfect match for your needs and budget. Unlike captive agents stuck with one company’s rates and coverage, we compare options from dozens of trusted insurers. This competition works in your favor – carriers compete for your business, and you get better coverage at better prices.
Our carrier partners include industry leaders like Progressive, Safeco, Travelers, Mercury, The Hartford, Liberty Mutual, and Nationwide, among many others. Each carrier has different appetites for risk, which means what’s expensive with one company might be affordable with another. That pool you’re worried about? Some carriers charge extra, others specialize in homes with pools. Your teenage driver? Certain companies offer much better rates for young drivers. This is the power of choice that only an independent agency provides.
Stop Being Overcharged and Underprotected
Every month you wait is another month of overpaying for insurance that might not even cover you when you need it. Join thousands of Arizona residents who’ve broken free from insurance company games and finally have coverage that makes sense.
Get Immediate Help Talk to a real person who understands Arizona insurance needs. We’ll review your current policy for free and show you exactly where you have gaps and where you’re overpaying.
- Phone: 602-584-8591
- Hours: Mon-Fri 8:30am-5:00pm
- Address: 1176 E Warner Rd Suite 107 Gilbert, AZ 85296