Your Current Insurance Is
Probably Failing You
Let’s be honest. Your insurance company raised your rates again this year, didn’t they? And you’re not even sure if you’re covered for the things that actually happen in Arizona – monsoon damage, dust storms, extreme heat damage, or flash floods.
That’s because most insurance companies and agents don’t understand Arizona. They sell you a generic policy, collect your premium, and disappear when you need them most.
As an independent agency,
we're different:
We compare 40+ carriers to find you better rates
Why settle for a single option? We leverage our access to over 40 trusted carriers, shopping the market on your behalf to find the most competitive rates and best value.
We ensure you're covered for Arizona-specific risks
As local experts, we understand Arizona's unique risks, from monsoon storms to specific liability laws. We ensure your policy is tailored to protect you against threats unique to our state.
We explain everything in plain English
Insurance can be confusing. We skip the complex jargon and explain your coverage options in plain, simple English, ensuring you feel confident and fully understand your protection.
We advocate for you during claims
If you need to file a claim, you won’t be alone. We stand by your side as your dedicated advocate, guiding you through the process for a fair and prompt outcome.
We never sell your information or spam you
Your privacy and trust are paramount. We keep your information secure and will never sell it. You’ll only receive relevant communication from us—no unwanted calls or spam.
We're Your Long-Term Partner
We focus on lifelong relationships, with annual reviews to ensure your coverage always meets your needs.
Auto Insurance That Handles Arizona Roads
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.
- Phone: 602-584-8591
- Hours: Mon-Fri 8:30am-5:00pm
- Address: 1176 E Warner Rd Suite 107 Gilbert, AZ 85296
Coverage We Always Recommend for Arizona Drivers
Essential Protection
Arizona requires minimum liability coverage, but those minimums won’t protect you in a serious accident. We recommend at least $100,000 per person and $300,000 per accident for bodily injury liability – the state only requires $25,000/$50,000 which won’t even cover a short hospital stay. For property damage, the state minimum of $15,000 won’t cover most vehicles on the road today, so we suggest at least $50,000.
With roughly one in eight Arizona drivers having no insurance at all, uninsured motorist coverage becomes critical. We recommend matching your liability limits for this protection. Comprehensive coverage protects against theft, vandalism, weather damage, and those inevitable wildlife encounters on Arizona highways. Collision coverage ensures you’re protected in accidents regardless of who’s at fault.
Arizona-Specific Coverage
Living in Arizona means dealing with unique driving hazards. Full glass coverage with no deductible is essential when you’re dodging rocks on I-10 or I-17 daily. Rental reimbursement becomes crucial when repairs take longer in our extreme summer heat. Roadside assistance isn’t just convenient – it’s potentially life-saving when you break down in the desert. And if you have a newer vehicle, gap insurance protects you from Arizona’s high depreciation rates caused by our harsh sun.
Why Your Current Auto Insurance Probably Isn't Enough
Common Coverage Gaps
State minimum coverage leaves you dangerously exposed. One accident with a newer car could leave you personally liable for tens of thousands of dollars. Most standard policies don’t adequately cover the common Arizona hazards we face daily – rock chips from highway driving, sun damage to interiors, or dust storm damage that insurance companies love to deny.
Phoenix has one of the highest uninsured driver rates in the nation, yet most people carry minimal uninsured motorist coverage. And here’s what really frustrates us: you’re probably missing out on significant discounts. Good student discounts, defensive driving discounts, multi-car savings – insurance companies don’t automatically apply these. They count on you not knowing what you’re missing.
What Makes Our Auto Insurance Different
We don’t just sell you a policy and disappear. We actively shop 40+ carriers including Progressive, Safeco, Travelers, and Mercury to find the best combination of coverage and price. When it comes to bundling, we’ll be honest – sometimes it saves money, sometimes it doesn’t. We’ll show you both options.
We help with SR-22 filings without judgment if you need them. For families with teen drivers, we work with companies that specialize in young drivers and actually offer meaningful discounts. And when accidents happen, we don’t just give you a claim number – we advocate for you throughout the entire process.
Classic Car Insurance:
Your Baby Deserves Better Than Standard Coverage
That classic car in your garage isn’t just transportation – it’s an investment, a passion, a piece of history. Yet most insurance companies treat your 1969 Camaro, restored Mustang, or vintage Corvette like it’s just an old car with depreciated value.
Protect your investment with true classic car insurance. Our Agreed Value coverage means we lock in your car’s value upfront. If you have a total loss, you receive that full, agreed-upon amount—guaranteed. No depreciation games, just peace of mind.
Flexible Usage Options
Pleasure Driving
Up to 5,000 miles/year
Shows and Events
Covered at car shows, parades, exhibitions
Work Commute
1-2 days per week allowed
Storage Coverage
Reduced rates during restoration or storage
Qualifications for Car Insurance
Generally, vehicles need to be at least 20 years old, though some carriers will cover special interest vehicles as young as 10-15 years. You’ll need to limit your usage, typically under 7,500 miles per year, and store the vehicle securely – preferably in a garage. Insurance companies want to see a clean driving record and that you have a regular daily driver for everyday use. Your classic is for pleasure, not commuting.
Specialized
Protection
Beyond the agreed value coverage, classic car insurance includes specific protection most people don’t know exists. You can get coverage for spare parts – up to $2,000 for those impossible-to-find components. If you’re restoring a vehicle, the coverage can increase as the value grows.
We make sure you have flatbed towing to prevent damage from standard tow trucks. There’s even medical reimbursement specifically for injuries at auto shows. And here’s something unique – your car is covered at shows even when you’re not standing next to it. Many standard policies would deny claims if you weren’t present.
Arizona Classic Car Events We Cover
The Arizona classic car scene is vibrant, and your insurance should cover participation in all of it. Barrett-Jackson Scottsdale, the Goodguys Southwest Nationals, Scottsdale Pavilions Saturday Cruise-Ins, the Tucson Classics Car Show, and the Route 66 Fun Run are all events where your classic should be protected. Many standard policies exclude coverage at these events, but proper classic car insurance embraces your passion.
Electric Vehicle Insurance: Protecting Your Tesla, Rivian, or EV Investment
Electric vehicles aren’t just cars with different fuel – they’re computers on wheels with battery packs worth more than entire traditional vehicles. Your insurance needs to understand the difference.
- Higher repair costs (specialized technicians)
- Expensive parts and batteries
- Total loss more likely after battery damage
- Limited repair facilities
- Advanced safety features (autopilot, collision avoidance)
- Lower maintenance claims
- Mature driver demographic
- Garage-kept vehicles
EV-Specific Coverage We Provide
Battery Protection
The battery pack is the heart of your EV and often its most expensive component. Full battery replacement coverage is essential since batteries can cost $15,000 to $25,000. We also ensure you’re covered for degradation – when batteries fail prematurely. Software malfunctions need coverage too, as EVs are essentially computers on wheels. Don’t forget about your charging equipment – both your home Level 2 charger and portable cables need protection.
Unique EV Risks We Cover
Electric vehicles face risks that traditional cars don’t. If your vehicle damages a public charging station, you need liability coverage for that. Your home charging equipment, including the installation, should be covered. With EVs being connected vehicles, cyber security breaches are a real concern. Not every repair shop can work on EVs, so you need coverage that guarantees access to qualified facilities. And aftermarket parts can void warranties, so OEM parts coverage is crucial.
EVs We Specialize In
We cover all electric vehicles, from the popular Tesla Model 3, Model Y, Model S, and Model X to the newest players like Rivian’s R1T and R1S trucks. Ford’s electric lineup including the F-150 Lightning and Mustang Mach-E need specialized coverage we provide. Whether you drive a Chevrolet Bolt, Blazer EV, or Silverado EV, a luxury Lucid Air, BMW iX or i4, Mercedes EQS or EQE, or the popular Hyundai Ioniq and Kia EV models, we understand the unique insurance needs of your electric vehicle.
Arizona EV Benefits
Electric vehicle owners in Arizona enjoy unique advantages that can affect your insurance. HOV lane access saves significant commute time and reduces accident exposure. Reduced registration fees help offset insurance costs. Federal tax credits impact your vehicle’s value calculations. And with Arizona’s growing charging infrastructure, range anxiety is becoming less of an issue, making EVs more practical than ever.
Home Insurance Built for Arizona's Extreme Climate
Arizona presents unique challenges for homeowners. Beyond the extreme heat, your property must withstand the destructive power of monsoon winds, the sudden danger of flash floods, and the blinding force of haboobs. Standard homeowners insurance policies often overlook these specific regional perils.
Many national carriers, unfamiliar with our local climate, write policies with these critical gaps in coverage. This lack of understanding can lead to devastating claim denials right when you need help most, leaving you to cover the costs of these uniquely Arizonan events.
- Phone: 602-584-8591
- Hours: Mon-Fri 8:30am-5:00pm
- Address: 1176 E Warner Rd Suite 107 Gilbert, AZ 85296
Arizona Home Risks Often
Excluded
Weather-Related Damage
Arizona’s weather creates unique challenges that out-of-state insurance companies don’t understand. Monsoon damage including wind, rain, and the resulting floods needs specific coverage language. Haboob damage from dust infiltration and the sandblasting effect on your home’s exterior is often denied as “cosmetic.” Flash floods can hit even if you’re not in an official flood zone. And extreme heat damage – cracked foundations, damaged roofs, melted siding – is frequently excluded as “maintenance.”
Desert Living Issues
Your Arizona lifestyle includes features that need special attention. Pool and spa equipment isn’t just expensive – it creates liability exposure that needs proper coverage. Solar panels should be covered at full replacement value, not depreciated value. When your A/C system fails from running constantly in summer, mechanical breakdown coverage becomes essential. Pest damage from termites, scorpions, and roof rats requires specific protection. And don’t forget about your guest house or casita – these are often missed on standard policies.
Coverage Levels We
Recommend
Dwelling Coverage
Your home should be insured at replacement cost, not actual cash value. This means you get enough to rebuild without depreciation reducing your payout. Extended replacement coverage of 125-150% protects you when construction costs surge after widespread disasters. Building code coverage ensures you can bring your home up to current codes during rebuilding, which is especially important for older Arizona homes.
Personal
Property
Again, replacement cost is crucial – you want new items, not depreciated values for your damaged belongings. Review special limits carefully since standard policies cap coverage for jewelry, electronics, guns, and art at surprisingly low amounts. If you run any kind of business from home, even part-time, you need additional coverage for that equipment and inventory.
Liability Protection
Arizona lawsuits can be expensive, so we recommend at least $300,000 in liability coverage. If you have a pool, you need additional coverage for this “attractive nuisance.” Dog owners should understand breed restrictions and ensure adequate coverage. For complete protection, consider an umbrella policy of $1 million or more – it’s surprisingly affordable for the peace of mind it provides.
Additional Living Expenses
When your home is uninhabitable, you need coverage for temporary housing. In Arizona, repairs often take longer during our busy summer season, so 12+ months of coverage is wise. Look for “actual loss sustained” coverage rather than daily limits. And if you have pets, make sure pet boarding is included if temporary housing won’t accept them.
Why Arizona Homeowners Are Switching to Us
“State Farm denied our monsoon damage claim saying the wind-driven rain was ‘flood damage’ not covered. TWFG found us coverage that specifically includes monsoon damage with clear language. Plus we’re saving significantly on our annual premium.” – Jennifer M., Gilbert
Home Insurance Savings Opportunities
Your Arizona home might qualify for more discounts than you realize. A new roof is huge for savings here – insurance companies love them in our harsh climate. Security systems, gated communities, and claims-free history all reduce your rates. And yes, bundling with auto insurance can save money, but we’ll compare bundled versus separate policies to make sure you’re getting the best deal either way.
Renters Insurance: Because Your Landlord's Policy Won't Help You
Many renters mistakenly believe they’re covered by their landlord’s policy. However, that insurance only protects the building itself, leaving your personal belongings like electronics and furniture completely unprotected. It also won’t cover your liability if a guest is accidentally injured.
Renters insurance fills these critical gaps for a surprisingly low cost. For about $15 per month, your personal property is protected from events like theft or fire. This affordable coverage also includes personal liability protection, giving you essential financial security and peace of mind.
- Phone: 602-584-8591
- Hours: Mon-Fri 8:30am-5:00pm
- Address: 1176 E Warner Rd Suite 107 Gilbert, AZ 85296
Personal Property
Everything you own is protected - your electronics, furniture, clothing, and personal items. This coverage extends beyond your apartment too. Your laptop in your car, gym equipment in your trunk, and items in your storage unit are all covered. Even property you're temporarily borrowing or renting is protected under most policies.
Liability Protection
If someone gets injured in your apartment, you're covered. If you accidentally damage the property, you're protected. Dog bite incidents, even away from home, are typically covered. And here's what most people don't realize - the insurance pays for legal defense costs even if the claim against you is frivolous.
Additional Living Expenses
If your apartment becomes uninhabitable due to a covered loss, renters insurance pays for temporary housing. This includes hotel costs, restaurant meals above your normal food budget, temporary storage fees, and even pet boarding if your temporary housing won't accept animals.
Common Misconceptions
The Reality About Renters Insurance
Most people drastically underestimate the value of their belongings. When you add up all your clothes, electronics, furniture, kitchen items, and personal possessions, you’re probably looking at tens of thousands of dollars in value.
Your landlord’s insurance only covers the building structure, never your personal items. If there’s a fire, flood, or theft, you’re on your own without renters insurance. The cost excuse doesn’t hold up either – most renters insurance costs less than your combined streaming services. And no, your roommate’s insurance only covers their belongings. You need your own policy for your stuff.
Real Scenarios We've Covered
Renters insurance covers more situations than most people realize. We’ve helped clients with apartment flooding from upstairs neighbors, stolen laptops from car break-ins, fire damage from kitchen accidents, guests injured on balconies, and bikes stolen from apartment complexes. These aren’t rare events – they happen every day in Arizona, and without renters insurance, you’re paying out of pocket for everything.
Umbrella Insurance: When Arizona Lawsuits Exceed Your Coverage
A single major event—a serious car accident, a guest’s pool injury, or even a dog bite—can result in a lawsuit that quickly exhausts your standard liability limits. Once that happens, your personal assets, savings, and future earnings are all at risk.
Umbrella insurance acts as a vital safety net, providing an extra layer of liability protection. It kicks in after your home or auto policy limits are reached, protecting your assets from being seized to cover a large judgment against you.
- Phone: 602-584-8591
- Hours: Mon-Fri 8:30am-5:00pm
- Address: 1176 E Warner Rd Suite 107 Gilbert, AZ 85296
What Umbrella Insurance Covers
Umbrella insurance kicks in when your auto or home insurance liability limits are exhausted. It covers legal defense costs, which can be astronomical even if you’re found not at fault. The coverage extends to claims like libel, slander, and defamation that your standard policies might not cover. It even includes false arrest or imprisonment claims and provides worldwide coverage, not just in Arizona.
Who Needs Umbrella Insurance
If you have a pool or hot tub, you’re a prime candidate for umbrella coverage. Families with teen drivers face higher lawsuit risks. Dog owners, especially those with breeds some consider aggressive, need extra protection. Landlords with rental properties, high net worth individuals, and families active on social media where defamation claims are possible should all consider umbrella coverage.
The coverage typically ranges from $1 million to $5 million, and the cost is surprisingly reasonable for the protection you get. Most people are shocked to learn that a million dollars in additional coverage costs less than their monthly cable bill.
Why Families Are Leaving Big Insurance Companies for TWFG Cota
Issues
Rate Increases
Claims Help
Coverage Gaps
Arizona Knowledge
Your Information
Policy Changes
Payment Issues
Discounts
Big Insurance Companies
Automatic yearly increases
800 number call center
Find out after claims denied
Out-of-state agents
Sold to multiple agents
Surprise non-renewals
Automatic cancellations
Only their company
TWFG Cota Insurance
We shop annually to keep rates down
Local advocates who guide you
We explain everything upfront
Born and raised in Arizona
Never sold, no spam
Proactive communication
We call you first
Best from 40+ carriers
Common Questions About
Personal Insurance in Arizona
Absolutely. Arizona has one of the highest rates of uninsured drivers in the nation – about 1 in 8 drivers. If an uninsured driver hits you, this coverage protects you. We recommend matching your liability limits.
Huge difference. Replacement cost gives you money to buy new items. Actual cash value subtracts depreciation. For example, your 5-year-old TV that cost $1,000 might only get you $200 with actual cash value, but full $1,000 to replace with replacement cost.
Insurance companies raise rates based on ZIP code claims, inflation, and their overall profitability – not just your record. That’s why we shop your coverage annually. What was competitive 2 years ago might be overpriced today. Many of our clients find significant savings just by shopping around.
Sometimes yes, sometimes no. We’ll be honest – bundling isn’t always cheaper. We compare bundled rates against separate policies to ensure you’re getting the best deal either way.
Classic car insurance offers agreed value (no depreciation), lower premiums (limited use), and specialized coverage for shows, restoration, and spare parts. Regular insurance treats your classic like any old car with depreciated value.
It depends. EVs cost more to repair but have better safety features. We work with carriers who specialize in EVs and often find competitive rates, especially for Tesla and other common models.
You have different questions?
Our dedicated support team is ready to answer your questions.
- Phone: 602-584-8591
Stop Overpaying for Inadequate Coverage
We believe every Arizona family deserves great protection that fits their budget. As an independent agency, our loyalty is to you, not a single company. We leverage our access to over 40 top-rated carriers to find you better coverage for less money.
Our approach is different because we are a family-owned business. You will never get high-pressure sales tactics or unwanted spam—just honest, straightforward advice. We are committed to building relationships based on trust and a genuine desire to serve our local community.
- Phone: 602-584-8591
- Hours: Mon-Fri 8:30am-5:00pm
- Address: 1176 E Warner Rd Suite 107 Gilbert, AZ 85296
Switch to TWFG Cota if you're experiencing:
Rate increases without claims
Frustrated by rates that climb even with no claims? Your loyalty shouldn't be penalized.
Confusion about what's covered
Unsure what your policy actually covers? We replace confusing jargon with clear, plain-English explanations.
Difficulty reaching your agent
Stuck in a phone menu when you need help? You deserve prompt, direct access to your agent.
Claims getting denied or underpaid
Worried your claim will be denied or underpaid? We serve as your advocate to ensure a fair settlement.