Tempe homeowners, ASU-affiliated professionals, and local business owners face insurance challenges unique to the Sonoran Desert — extreme heat that degrades roofing materials, monsoon flash floods that standard policies exclude, and Arizona’s tort-based auto liability system that demands higher coverage than the state’s 25/50/15 minimums suggest. Hicks Insurance Group matches each policyholder with the right carrier from our panel of 14+ options, prioritizing proper coverage over the cheapest premium. Founded in 1998 by Jerry Hicks, our team of 27+ licensed professionals now expands to serve Arizona residents remotely with the same consultative approach that earned us long-standing loyalty across Chicagoland.
Choosing an independent agency over a captive carrier means your agent works for you, not a single insurance company. Here is what sets Hicks Insurance apart for Tempe policyholders.
Arizona is an at-fault (tort) state, meaning the driver who causes a collision bears financial responsibility. The state-mandated 25/50/15 minimum — $25,000 per person bodily injury, $50,000 per accident, $15,000 property damage — falls dangerously short when a single ER visit in Maricopa County averages over $3,000. We routinely recommend 100/300/100 limits or higher paired with a $1 million umbrella policy.
Tempe homeowners need policies that account for tile roof replacement costs, HVAC system strain from 115-degree summers, and potential monsoon water intrusion. Standard homeowners insurance excludes flood damage, so properties near the Salt River, Tempe Town Lake, or low-lying washes require separate flood coverage through FEMA’s National Flood Insurance Program or a private flood carrier.
Our personal insurance products for Tempe residents include:
Tempe’s business landscape spans Arizona State University vendors, Mill Avenue retail, East Valley construction contractors, and a growing tech corridor. Each industry carries distinct liability exposures. A restaurant on Mill Avenue needs liquor liability and food contamination coverage. A contractor working outdoor projects in July faces heat-related workers’ compensation claims at rates far above national averages.
Our commercial insurance products include:
Hicks Insurance Group is expanding to serve Tempe and the greater Phoenix East Valley with the same consultative, coverage-first approach we have delivered since 1998. Whether you need personal auto, homeowners, commercial liability, or life insurance, our team of 27+ licensed professionals will compare 14+ carriers to build a policy portfolio that actually protects you. Request your free, no-obligation quote today. We will show you what proper coverage looks like — and what it costs across every carrier in our marketplace.
Give us a call today and we can help.
If you are new to Hicks Insurance, you probably have some questions. Let's help you get some answers.
Arizona requires drivers to carry minimum liability coverage of 25/50/15: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. However, we strongly recommend higher limits given Arizonas high rate of uninsured drivers. Contact Hicks Insurance at (708) 532-7474 for proper Arizona auto coverage.
Arizonas extreme heat causes unique vehicle damage including tire blowouts, battery failures, and interior damage that comprehensive coverage addresses. While heat itself does not directly increase rates, the resulting claims can. Hicks Insurance recommends comprehensive coverage for Tempe vehicles to protect against heat-related damage. Call (708) 532-7474.
Arizonas monsoon season brings hail, flash floods, and haboobs (dust storms) that can damage vehicles. Comprehensive coverage protects against these weather events. If your vehicle is totaled in a flash flood, gap insurance covers the difference between your loan balance and insurance payout. Hicks Insurance helps Tempe drivers prepare for monsoon season. Call (708) 532-7474.
Tempe homeowners insurance covers dwelling damage, personal property, liability, and additional living expenses. Arizona-specific considerations include monsoon damage from wind and hail, dust storm impacts, and AC unit coverage. Standard policies exclude flood damage from monsoon flash floods. Hicks Insurance ensures your Tempe home has comprehensive protection. Call (708) 532-7474.
Despite the desert climate, Tempe experiences flash flood risks during monsoon season. Standard homeowners policies do not cover flood damage. FEMA flood maps identify risk zones throughout Maricopa County. Hicks Insurance can assess your Tempe propertys flood risk and provide NFIP or private flood insurance options. Call (708) 532-7474.
Tempe homeowners insurance typically costs $1,200-$1,800 annually, depending on home value, construction type, and coverage levels. Arizona rates are generally competitive compared to national averages. Factors like roof condition and proximity to fire stations affect premiums. Hicks Insurance compares multiple carriers for the best Tempe home insurance rates. Call (708) 532-7474.
Tempe small businesses typically need general liability, commercial property, and workers compensation insurance. Arizona requires workers comp for businesses with employees. Depending on your industry, you may need professional liability, commercial auto, or cyber insurance. Hicks Insurance specializes in Arizona business coverage. Call (708) 532-7474.
Yes, Arizona requires workers compensation insurance for businesses with one or more employees. This coverage protects workers injured on the job and protects employers from lawsuits. Arizona Industrial Commission oversees compliance. Hicks Insurance helps Tempe businesses meet Arizona workers comp requirements. Call (708) 532-7474.
Tempe restaurants need general liability, commercial property, workers compensation, and liquor liability insurance if serving alcohol. Arizona liquor laws require specific coverage levels. Food spoilage insurance protects against losses during power outages common in summer heat. Hicks Insurance specializes in Arizona hospitality coverage. Call (708) 532-7474.
Most Tempe families need life insurance coverage of 10-12 times their annual income to replace lost earnings, pay mortgages, and fund education. Arizona cost of living and family circumstances affect your specific needs. Hicks Insurance provides free life insurance needs analysis for Arizona residents. Call (708) 532-7474.
Arizona life insurance rates are generally competitive with national averages. Rates depend primarily on age, health, and coverage amount rather than state of residence. Arizona residents benefit from no state income tax on life insurance payouts. Hicks Insurance compares multiple carriers to find the best rates for Tempe residents. Call (708) 532-7474.
Tempe residents typically save 15-25% by bundling home and auto insurance with the same carrier. Additional savings come from adding umbrella liability coverage. Hicks Insurance compares bundled rates from multiple Arizona carriers to maximize your savings while ensuring proper coverage. Call (708) 532-7474.
Hicks Insurance provides insurance quotes for Tempe residents via phone, email, or video consultation. We compare rates from multiple Arizona-licensed carriers to find your best coverage options. Have your current policy declarations ready for the most accurate quotes. Contact us at (708) 532-7474 to start your Arizona insurance quote.
Arizona has specific insurance requirements including mandatory auto liability (25/50/15 minimums), workers compensation for employers, and unique considerations for monsoon-related claims. The Arizona Department of Insurance regulates all policies sold in the state. Hicks Insurance ensures your coverage meets Arizona legal requirements. Call (708) 532-7474.
Yes, Hicks Insurance is licensed to serve Arizona residents and provides full-service remote insurance for Tempe clients. We offer phone, email, and video consultations, electronic document signing, and 24/7 claims support. Our 25+ years of experience translates seamlessly to serving Arizona families and businesses. Call (708) 532-7474.
Yes. Arizona mandates minimum liability limits of 25/50/15 — $25,000 bodily injury per person, $50,000 bodily injury per accident, and $15,000 property damage. However, these minimums are widely considered insufficient. A single-vehicle accident with injuries can exceed $100,000 in medical costs. We recommend at minimum 100/300/100 limits with uninsured motorist coverage, given that over 12% of Arizona drivers carry no insurance at all.
Federally backed mortgages require flood insurance if your property sits within a FEMA Special Flood Hazard Area. Even outside designated zones, Tempe properties near the Salt River, Indian Bend Wash, or Tempe Town Lake face real flood risk during monsoon season. Standard homeowners insurance never covers flood damage. We offer both NFIP policies and private flood insurance with broader coverage terms.
Yes. Insurance agents licensed with the Arizona Department of Insurance and Financial Institutions can serve Arizona residents regardless of the agency’s physical location. Hicks Insurance Group maintains active Arizona licensure and appointments with carriers admitted in Arizona. Your policy is issued under Arizona regulations with Arizona-based claims handling.
Start by bundling home and auto with the same carrier — this typically saves 15-25%. Beyond bundling, confirm your dwelling coverage reflects actual replacement cost (not market value), raise your deductible to $2,500 if your savings allow it, install a monitored security system, and ask about wind-mitigation credits for impact-resistant roofing materials. As an independent agency, we quote 14+ carriers to find the strongest discount stack for your specific property.
State Farm and Allstate are captive agencies, meaning their agents sell only that one company’s products. An independent agency like Hicks Insurance represents 14+ carriers and can compare policies side by side. If one carrier raises your rate, we move you to a better option without starting over. If your risk profile is complex — a home-based business, rental property, or high-value vehicle — we access specialized carriers that captive agents cannot offer.
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