Mesa is the third-largest city in Arizona, with more than 500,000 residents across the East Valley. It is anchored by the historic Mesa Arizona Temple, Boeing’s AH-64 Apache helicopter production line near Falcon Field, Banner Health’s regional hospitals and Mesa Public Schools, one of the city’s largest employers with roughly 7,700 staff. It is also a different insurance market from neighboring Tempe: bigger, older, more spread out, more family-oriented, less college-driven, and more aerospace-and-defense than tech corridor.
Hicks Insurance Group is an independent agency, in business since 1998 and licensed in Arizona, that works with 14+ top-rated carriers. We serve Mesa from our Tempe office on Rio Salado Parkway, backed by our home office in Mokena, IL. Mesa’s scale, with nearly a century of housing stock, dozens of distinct neighborhoods, major employers and very different risk profiles from west to east, makes it one of the East Valley markets where comparing carriers side by side matters most.
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Mesa’s housing stock spans nearly a century, from pre-1950 homes near the temple and downtown Main Street, through the 1960s–1980s ranch and split-level neighborhoods of Dobson Ranch, Mesa Country Club and the Lehi area, to the 1990s–2010s East Mesa subdivisions of Las Sendas, Red Mountain Ranch and Eastmark. That range is why a Mesa homeowners review starts with the dwelling limit, not the premium.
Older homes are often insured below what it would cost to rebuild them today. Plaster walls, original woodwork, older wiring and plumbing, and building-code upgrades all add to the bill after a total loss, and a limit set years ago from the purchase price rarely keeps up. Newer East Mesa homes have the opposite problem: construction costs have climbed since many of those subdivisions were built, so a limit that was right at closing may be short now. We check each dwelling limit against a current rebuild estimate, not market value.
Mesa’s address grid splits east and west at Center Street. Carriers define their own rating territories, and adjacent areas can price differently, so an older, denser West Mesa neighborhood and a newer master-planned East Mesa community can see noticeably different quotes for similar homes.
Know your side of Center Street
Because each carrier draws its own territories, the same coverage can price differently in East Mesa and West Mesa. We pull rating information for your specific address before we compare quotes.
Summer monsoon storms can bring damaging wind and hail across the East Valley. Wind and hail are covered perils on a standard HO-3 policy, so the real question is the deductible. Some policies apply a percentage-of-dwelling deductible to wind and hail; where carriers allow it, a flat-dollar deductible in the $2,500–$5,000 range keeps your out-of-pocket cost predictable. Rooftop solar is common in Mesa, so confirm that your panels are included in the dwelling limit or add an explicit solar-equipment endorsement.
Related:Homeowners insurance Homeowners FAQ What does homeowners insurance cover in a hot, dry climate? How do I know if my home policy covers my roof properly?
Arizona’s state minimum is 25/50/15: $25,000 of bodily injury coverage per person, $50,000 per accident and $15,000 for property damage. We don’t recommend the minimum for any Mesa driver. Traffic on US-60 (the Superstition Freeway), Loop 101 and Loop 202 makes multi-vehicle collisions routine, a single hospital admission can exceed $25,000, and Mesa’s size means many households drive longer daily distances than their neighbors elsewhere in the East Valley.
Our recommended starting point for Mesa drivers is 100/300/100 with matching uninsured/underinsured motorist (UM/UIM) coverage. Not every driver on the road carries insurance, and many who do carry only the minimum, so UM/UIM is what pays your own medical bills when the at-fault driver can’t. Households with significant savings or home equity should consider higher limits paired with an umbrella policy.
Mesa hosts two spring training ballparks. Every March, Chicago Cubs games at Sloan Park and games at Hohokam Stadium add visitor traffic, rideshares and crowded parking lots to the surrounding streets. If you live or commute near either stadium, comprehensive and collision coverage with sensible deductibles matter more during those weeks.
Some carriers offer affinity or group discounts tied to an employer, profession or association, and availability varies by carrier. If you work for a large Mesa employer such as a school district, hospital system or aerospace company, tell us. We will check whether any carrier offers a program you qualify for, then compare that price against carriers without one to find the best overall value.
Related:Auto insurance Auto FAQ What are the minimum auto insurance requirements in Arizona? How does monsoon season affect auto insurance?
Mesa’s commercial market is anchored by three large institutional ecosystems: aerospace and defense, healthcare and public education. Around them sit the contractors, restaurants, retailers and professional firms that keep an 18-mile city running, each with its own mix of liability, property, vehicle and employee exposures.
Boeing’s Apache helicopter assembly drives steady demand for suppliers, machine shops, contractors and professional-services firms in the East Mesa industrial corridor. Businesses that work on defense programs may face contract requirements tied to ITAR (International Traffic in Arms Regulations), such as specific cyber and liability limits, that a standard small-business package isn’t written around. We review the contract’s insurance requirements before we quote.
Banner Health’s hospitals across Mesa and the East Valley, including Banner Desert Medical Center, support a large network of medical vendors, contractors and professional-services firms. Any business that handles protected health information (PHI) should treat cyber insurance as essential, and many hospital vendor agreements specify minimum limits.
Mesa Public Schools is one of the city’s largest employers. Businesses that serve the district, from construction and maintenance contractors to food service and transportation vendors, are usually asked for certificates of insurance showing general liability, commercial auto and workers’ compensation at specified limits.
Coverage we place for Mesa businesses includes general liability, contractors insurance, commercial auto, restaurant and bar coverage and workers’ compensation.
Related:Commercial insurance Business FAQ Is workers’ compensation insurance required in Arizona? Can I move general liability, workers’ comp and commercial auto to one agency?
Personal liability inside a homeowners policy often tops out around $300,000, and auto liability stops at whatever limits you chose. For Mesa households with home equity, retirement savings or a paid-off house, a $1 million umbrella policy sits above both and is usually one of the more affordable ways to add serious liability protection.
The situations that expose Mesa families to large claims are everyday ones: a guest injured around a backyard pool, a dog bite at a neighborhood park, a casita or second home rented to winter visitors, or a newly licensed teenager merging onto Loop 202 or US-60 at rush hour. An umbrella also adds legal defense costs when a claim exceeds your underlying limits.
Households with larger incomes or assets, including many two-income aerospace and healthcare families, should consider $2 million to $5 million of umbrella coverage. The cost of each additional million is typically modest compared to the first, and protection scales with what you have to lose.
Related:Umbrella insurance Insurance and claims FAQ Do I need umbrella insurance if I already have home and auto coverage? Will bundling home and auto save me more?
Most Mesa claims come from the same desert hazards that affect the whole Phoenix metro, but a few risks are specific to where Mesa sits, how it grew and who it employs.
Monsoon flash flooding
Properties along the Salt River bed in north Mesa and in low-lying drainage areas face higher flash-flood exposure during summer monsoon storms. Flood from rising water is excluded from standard homeowners policies, so flood insurance is worth pricing if you live near these areas.
Haboobs and extreme heat
Wind damage from a haboob is generally treated as a windstorm loss under an HO-3 policy, subject to your wind/hail deductible. Comprehensive auto coverage usually handles windshield pitting and paint damage from blowing dust. Roofs and air conditioners that simply wear out in the heat are maintenance, not covered losses.
Red Mountain and desert edges
Homes bordering Red Mountain Park and other natural desert areas on Mesa’s east side have brush-fire exposure that carriers may consider when underwriting.
Defense contract requirements
Contracts involving aerospace components may call for cyber and liability terms that standard small-business policies don’t include. Share the contract’s insurance section with us before you sign.
An independent agency works for you rather than for a single insurance company. That changes what happens at quote time and, just as important, at every renewal.
| What you get | Hicks (independent) | Captive agency | Online direct |
|---|---|---|---|
| Carriers that can quote you | 14+ | 1 | 1 |
| Local Phoenix-metro office | Yes, in Tempe | Sometimes | No |
| Re-shop your policy at renewal | Yes, across carriers | Same company only | Same company only |
| Specialty and high-value markets | Yes | Limited | Limited |
| Knows Mesa and Tempe rating differences | Yes | Varies | No |
| A consistent point of contact | Yes | Varies | Rarely |
| Google reviews | 5.0 / 1,400+ | Varies | Varies |
Here is what Hicks clients say in their own Google reviews.
“I had a wonderful experience working with Kerry. She is incredibly friendly, professional, and truly pays attention to the details that matter to me. What I appreciated the most was her valuable advice, which helped me save money while still getting the right coverage. Kerry first helped me with my auto insurance, and later she also assisted me with my homeowners insurance. Both experiences were smooth and stress-free.”— Chezara S., Google review
“Exceptional, knowledgeable, personalized service”— Craig K., Google review
About Hicks Our team Carriers and partners More testimonials
Quick answers to the questions Mesa homeowners, drivers and business owners ask us most often.
Mesa was founded by Mormon pioneers in 1878 and has grown into Arizona’s third-largest city. The Mesa Arizona Temple, completed in 1927, anchors a downtown district that keeps its early-1900s civic character even as East Mesa subdivisions have stretched the city’s footprint to roughly 18 miles across.
Population: more than 500,000, third-largest in Arizona.
Location: Maricopa County in the East Valley, east of Tempe and north of Chandler and Gilbert.
Major roads: US-60 (Superstition Freeway), Loop 101, Loop 202.
Major employers: Mesa Public Schools (about 7,700 staff), Banner Health, Boeing’s Apache helicopter production at Falcon Field.
Neighborhoods: downtown and the temple district, Dobson Ranch, Mesa Country Club, Lehi, Las Sendas, Red Mountain Ranch, Eastmark.
Spring training: the Chicago Cubs at Sloan Park, plus Hohokam Stadium.
Mesa Chamber of Commerce
The Mesa Chamber of Commerce is the city’s primary business-community organization and a long-standing civic anchor, connecting local employers through networking, advocacy and small-business programs.
From our Tempe office we serve Mesa and the rest of the Phoenix metro, and our Mokena home office serves the Chicago suburbs and Will County, IL.
Arizona:Tempe Chandler Gilbert Scottsdale Phoenix Paradise Valley
Illinois:Bolingbrook Channahon Chicago Frankfort Homer Glen Lemont Lisle Lockport Manhattan Minooka Mokena Naperville New Lenox Oak Lawn Orland Park Palos Hills Palos Park Plainfield Shorewood Tinley Park Warrenville
Getting a quote takes a few minutes, and there is no obligation. Here is how it works with Hicks.
Our Arizona clients are served from the Hicks Tempe office at 60 E. Rio Salado Parkway, Suite 9092, Tempe, AZ 85281. Call (480) 561-6210 or email plservice@hicksinsurance.com. Prefer to start online? Read How do I get an insurance quote in Tempe, Arizona? or contact us.
Independent insurance for Mesa: auto, home, business and life from 14+ carriers.
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What makes our independent insurance agency so wonderful is not our extensive experience or our network of top carriers. It is you. It is the relationship we get to build with you and the trust you place in us.
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If you are new to Hicks Insurance, you probably have some questions. Let's help you get some answers.
If you cause an accident, be prepared to pay your deductible. After you’ve done that, your insurance company should pay the remaining costs, including damages or medical expenses you caused to other parties involved.
Your business insurance needs are as unique as your business itself. While all businesses need certain types of coverage—general liability, business property, and workers’ compensation, for example—your other needs hinge on your type of business. If, for example, you use vehicles in your line of work, you need business auto insurance. Similarly, businesses that manufacture a product should consider product liability insurance. Talk to your agent to determine your exact needs.
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