Arizona Insurance Company Run by Actual Arizonans
While mega-corporations treat you like just another policy number, we remember our clients’ names. TWFG Cota Insurance isn’t just located in Arizona – we’re woven into its fabric. From Gilbert to Phoenix, from Scottsdale to Tucson, we’re the neighbors who answer the phone when you need us most.
- 100% Arizona Owned
- Independent Agency
- Your Info Never Sold
- Serving Arizona Families Since 2008
Why Most Arizona Families Overpay for Insurance
Many insurance companies in Arizona follow the same playbook: Attract you with low initial quotes. Share your information with multiple agents. Increase rates at renewal. Make claims processing difficult. Use out-of-state call centers unfamiliar with Arizona’s unique needs.
Common Industry Problems:
- Many Arizonans overpay for insurance without realizing it
- Most insurance websites sell your contact information to multiple agents
- Claims often take longer with out-of-state insurance companies
- Families typically contact numerous agents before finding honest guidance
We understand these frustrations because we’ve seen them firsthand in the industry.
In 2008, we established TWFG Cota Insurance to operate differently. No games. No gimmicks. Just honest protection from people who understand Arizona’s unique insurance challenges.
Meet Your Local Arizona Insurance Team
Richard Bunch III
Founder & CEO
As Founder and CEO, Richard Bunch grew TWFG from a $10,000 startup into a top 10 national insurance provider. A U.S. Coast Guard veteran and award-winning entrepreneur, he is committed to community service.
Katherine Nolan
Chief Operating Officer
As Chief Operating Officer, Ms. Nolan leverages over 30 years of insurance industry experience to lead TWFG’s daily operations, ensuring strategic and operational alignment for the company’s continued growth.
Alex Bunch
Chief Creative & Marketing Officer
As Chief Creative & Marketing Officer, Alex Bunch brings 20 years of global brand-building experience from top agencies. He now joins his brother to build the most trusted insurance brand.
Janice Zwinggi
CPA, Chief Financial Officer
As Chief Financial Officer, Janice leads all finance and treasury functions for TWFG. She brings over 30 years of senior financial leadership from roles at Hudson Insurance Group and Argo Group.
Gene Padgett
Chief Accounting Officer
As Chief Accounting Officer, Gene Padgett leads all accounting functions. A U.S. Navy veteran and CPA, he has held senior leadership roles at U.S. Silica, Spectra Energy, and Duke Energy.
Julie Benes
General Counsel
As General Counsel, Julie Benes oversees all legal and compliance activities. She previously represented TWFG as an attorney specializing in commercial litigation before joining the company to lead its legal team.
Mark Alberto
SVP of Technology
Mark Alberto leads our initiative to launch our technology as a SaaS product. He brings 20+ years of independent agency experience, specializing in process automation and agency management systems (AMS).
Kelly Bettencourt
Executive Assistant to the CEO
As the operational backbone of TWFG, Kelly is at the core of everything we do. She manages our CEO’s complex schedule and is instrumental in organizing our leading national insurance conference.
Arizona Insurance Expertise That Makes a Difference
When you call other insurance companies about Arizona-specific risks, you might reach someone unfamiliar with our state’s unique challenges. Not with us.
Monsoon Season Preparedness
We understand monsoon season isn’t just weather – it’s a complete shift in risk factors. We know which areas flood, which intersections become problematic, and how different neighborhoods face different challenges during storm season.
Desert Climate Protection
Extreme heat affects more than comfort – it impacts roofs, foundations, vehicles, and more. We understand sun damage, heat-related wear, and which insurance carriers best understand Arizona’s climate challenges.
Arizona Wildlife Considerations
From scorpions to javelinas, Arizona’s wildlife creates unique insurance situations. We know what’s typically covered, what isn’t, and which carriers handle wildlife-related claims most fairly.
Rapid Growth Coverage
With Arizona’s constant growth and construction, we understand the risks of living near development zones and can guide you through builder warranties versus insurance coverage.
Why We Started This Arizona Insurance Company
The financial crisis hit Arizona particularly hard. Families across our state were struggling, and many insurance companies were canceling policies, denying legitimate claims, and abandoning the communities that needed them most.
After years in the insurance industry, we witnessed too many Arizona families being treated unfairly by their insurance companies. We saw claims denied on technicalities, families dropped after filing legitimate claims, and local communities underserved by distant corporate offices.
That’s when we decided to build something better – an Arizona insurance company that would actually serve our community the way insurance should work.
Our Founding Principle
Never sell client information
Your privacy matters deeply to us. We are committed to safeguarding your personal information with robust security measures. Your data is never sold or shared, ensuring it remains completely confidential.
Provide honest guidance
Our primary goal is your success. If our solution isn't the perfect fit for your needs, we are committed to providing honest guidance, even if it means recommending another option.
Treat every claim as urgent
We treat every challenge with the urgency it deserves. What may seem like a small detail can be a major roadblock, and we prioritize it with our full attention because to you, it is.
Supporting Arizona Communities Since 2008
As a local Arizona insurance company, we believe in giving back to the communities we serve. Every dollar you spend with us stays in Arizona, supporting local jobs, local families, and local causes.
Invested in Arizona's Success
As a local Arizona insurance company, we believe in giving back to the communities we serve. Every dollar you spend with us stays in Arizona, supporting local jobs, local families, and local causes.
Supporting different campaigns
Supporting local youth sports and education builds a stronger community and a brighter future for all.
Participating in community events
Engaging in local events and fundraisers to build a stronger, more connected community.
Partnering with local Arizona businesses
Proudly partnering with local Arizona businesses to strengthen our community and state economy.
Creating jobs for Arizona residents
Investing in our state's future by creating meaningful career opportunities for fellow Arizonans.
Contributing to local charities and causes
Giving back by actively supporting the local charities and causes that strengthen our community.
Providing resources about insurance
Empowering people with clear educational resources to make confident and informed insurance decisions.
What Makes TWFG Cota Insurance Different
Key Differences
Unlike captive agents, our loyalty is exclusively to you, not an insurance company. As your independent advocate, we provide truly unbiased advice by shopping our network of over 40 carriers to find the perfect coverage for your needs and budget. Our deep understanding of Arizona’s unique insurance requirements ensures you’re always properly protected.
You receive personal service with direct agent access, and if a claims issue ever arises, we become your dedicated advocate. Your privacy is paramount—we guarantee your information will never be sold.
How We Save You Money
Our comprehensive approach ensures you get maximum value and total peace of mind. We start by comparing dozens of carriers to find the most competitive rates available. Beyond just price, we conduct a thorough analysis to identify and eliminate critical coverage gaps or expensive redundancies.
Our work continues by meticulously applying every discount you qualify for. As your dedicated advocate, we negotiate with carriers on your behalf and perform proactive annual reviews to ensure your coverage always aligns with your changing needs and continues to provide exceptional value.
What Arizona Families Say About TWFG Cota Insurance
Our clients consistently tell us they feel valued as individuals, not policy numbers. They praise our clear explanations, prompt responses to their concerns, and exceptional, compassionate service during the claims process. We are committed to delivering this positive experience while also finding them significant savings compared to their previous coverage.
This dedication comes from our deep local roots. For over 15 years, we have been proud to serve our neighbors, building a legacy of trust with Arizona families and businesses. These lasting relationships are the foundation of our business and drive our commitment to providing the absolute best service.
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. We treat every referral with extra care because we know your reputation is on the line when you recommend us.
Common Questions About
Our Arizona Insurance Company
Those are captive agencies that only sell their own company’s products. As an independent Arizona insurance company, we work with 40+ carriers, giving you more options and better rates.
No. We ensure seamless transitions with no gaps in coverage. We handle all the paperwork and don’t cancel your old policy until your new one is active.
Absolutely. We never sell, share, or distribute your information to other agents or companies. When you request a quote from us, you only hear from us.
We serve all of Arizona, from Phoenix to Tucson, Flagstaff to Yuma. We’re licensed throughout the state and understand the unique needs of each region.
We act as your advocate during the claims process. We help you file the claim, work with the insurance company on your behalf, and ensure you receive fair treatment.
Most clients find savings because we compare multiple carriers and eliminate unnecessary coverage while ensuring you’re properly protected. If we can’t improve your situation, we’ll honestly tell you.
You have different questions?
Our dedicated support team is ready to answer your questions.
- Phone: 602-584-8591
Ready to Work with a Different Kind of Arizona Insurance Company?
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What to Expect:
Our simple process begins with a thorough review of your current coverage. We then present personalized options tailored to your needs, with clear, simple explanations so you know exactly what you’re getting. Should you decide to switch, we handle all the details for a seamless transition, providing ongoing support afterward.
Your information stays private
Your privacy is our priority. We safeguard your personal information and will never sell your data.
We advocate for you during claims
Should you have a claim, we stand by your side, acting as your dedicated advocate.
No high-pressure sales tactics
We believe in education, not pressure. We provide the information you need to make a confident decision.
Real people answer when you call
Say goodbye to automated menus. When you call our office, a real person is here to help.
Your Neighbors in Insurance Since 2008
At TWFG Cota Insurance, we’re more than just another Arizona insurance company. We’re your neighbors, committed to protecting what matters most to you.
Whether you need auto insurance, home insurance, business coverage, or any other protection, we’re here to help you find the right coverage at the right price. Experience the difference of working with a local, independent Arizona insurance company that puts your needs first.
- Phone: 602-584-8591
- Hours: Mon-Fri 8:30am-5:00pm
- Address: 1176 E Warner Rd Suite 107 Gilbert, AZ 85296