Paradise Valley is the Phoenix metro’s most exclusive residential town. It has fewer than 13,000 residents on about 16 square miles, and it incorporated in 1961 specifically to protect its low-density character, with a one-acre minimum lot size that has held ever since. There is no commercial or industrial zoning outside the special-use permits granted to its resorts. What remains is single-family homes and a cluster of luxury resort hotels, including Sanctuary on Camelback, JW Marriott Camelback Inn, Mountain Shadows, the Hermosa Inn and Omni Montelucia, set against Camelback Mountain and Mummy Mountain.
Insuring Paradise Valley means going beyond standard high-value home policies. Many households own homes in more than one state, carry significant art and jewelry collections, and need umbrella limits of $10 million or more. Hicks Insurance Group is an independent insurance agency licensed in Arizona. We work with 14+ top-rated carriers, including high-net-worth markets such as Chubb, AIG Private Client, PURE, Cincinnati and Vault that are available through independent agencies. We serve Paradise Valley from our Tempe office.
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Paradise Valley homes don’t fit standard homeowners pricing. A $4 million home rebuilding after a brush fire on Camelback isn’t quoted from the same carrier menu as a $400,000 suburban home. The policy has to support a multimillion-dollar rebuild, and valuables have to be itemized rather than left under generic sub-limits.
We recommend guaranteed replacement cost where a carrier offers it, rather than a stated dwelling limit. Extended replacement cost, which typically adds 25% to 50% above the dwelling limit, is a reasonable alternative. Scheduled personal property should list jewelry, art and collections piece by piece with appraisal-based values. Terms vary by carrier and policy.
Homes on or next to Camelback Mountain and Mummy Mountain sit in the wildland-urban interface. Some carriers no longer write this exposure. We know which Arizona carriers remain in the market and how they price hillside homes differently from the flatter preserve edge in North Scottsdale.
Many Paradise Valley homes are held in revocable trusts or LLCs. Titling affects underwriting: who is the named insured, which entities are additional insureds and how claims are paid. We coordinate with your estate attorney so the policy matches the current ownership.
Related:Homeowners insurance Homeowners FAQ What’s the difference between replacement cost and actual cash value? Can you review my current policies for gaps or overlaps?
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Arizona’s minimum auto liability is 25/50/15. For a Paradise Valley household, a serious at-fault accident could put far more than that at risk, so we typically start at 500/500 or a $1 million combined single limit, with an umbrella above it. Higher-value carrier tiers also add features that standard policies lack. Terms vary by carrier.
| Aspect | Standard auto policy | High-net-worth tier |
|---|---|---|
| Bodily injury liability | 100/300 typical | 500/500 or $1M combined single limit |
| Uninsured/underinsured motorist | Matches liability | Matches liability, stacked across vehicles where allowed |
| Classic and exotic cars | Actual cash value | Agreed-value collector-car policy (Hagerty, Grundy, Chubb) |
| OEM parts and diminished value | Usually excluded | Often included for late-model luxury vehicles |
| Claims service | Standard | Expanded claims and rental service |
Standard auto policies settle a total loss at actual cash value. An agreed-value policy pays the value you and the carrier agreed on when the policy was written, which matters most for classic, exotic and collectible vehicles.
Many Paradise Valley households employ a driver. Coverage for that driver can involve three layers: workers’ compensation, the auto policy on the household vehicle they drive, and your personal liability coverage. Arizona treats domestic workers differently under its workers’ compensation rules, so we review whether a policy is required or simply advisable, then coordinate the layers so they don’t conflict at claim time.
Related:Auto insurance Auto FAQ What are the minimum auto insurance requirements in Arizona?
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With no commercial or industrial districts, Paradise Valley’s business community is small: resort and hospitality vendors, in-home professional practices, and contractors who serve the resorts and estates. Each has specific commercial insurance needs.
Catering, event, beverage, cleaning and security vendors working at the town’s resorts usually need liquor liability, higher general liability limits (often $2 million aggregate or more), cyber liability for any guest data they handle, and commercial auto for travel between their base and the resort properties.
Medical, legal and financial advisory practices run from Paradise Valley homes, where the town allows it, need coverage for the at-home office. A standard homeowners policy excludes business liability, so a separate professional liability (E&O) policy is required, and the homeowners policy may need a business-property endorsement.
Industry coverage pages: general liability, cyber insurance, restaurants and bars, commercial auto, contractors insurance and workers’ compensation.
Related:Commercial insurance Business FAQ How much general liability insurance do I need? Is workers’ compensation insurance required in Arizona?
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For many Paradise Valley households, an umbrella of $10 million is a sensible starting point, and residents with homes in several states or significant business interests often carry $25 million or more. A $1 million umbrella rarely matches the assets at stake here.
High-net-worth carriers such as Chubb, AIG PC, PURE and Vault write umbrellas at these limits and commonly pay defense costs in addition to the limit and cover claims worldwide. Terms vary by carrier. Moving to a higher limit often costs less than people expect, so we quote several limits side by side.
Many Paradise Valley households own homes in more than one state. A single umbrella can sit above all of them when the underlying limits on each home and vehicle meet the umbrella carrier’s requirements. We structure those underlying policies so there are no gaps between states.
For business owners and high-profile families, kidnap and ransom coverage with executive-protection services is available as an endorsement from some high-net-worth carriers.
Related:Umbrella insurance Insurance FAQ How much liability coverage do I really need? Do I need umbrella insurance if I already have home and auto?
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Hicks Insurance Group has been an independent agency since 1998, with a 5.0 rating across 1,400+ Google reviews. Our Tempe office serves Paradise Valley and the rest of the Phoenix metro.
We work with 14+ top-rated carriers, including the high-net-worth markets Chubb, AIG Private Client, PURE, Cincinnati and Vault. Captive agencies can’t offer that range.
If you own homes in Arizona and in other states, we coordinate carrier selection so each property is rated correctly and fits under one liability strategy.
We size umbrellas to your net worth and exposure, with defense-outside-the-limit and worldwide coverage where the carrier offers them.
You work with a real Hicks agent, not a call center or a different representative every time you call. Continuity matters when your coverage spans several homes and entities.
“Haely Doty is great to work with. Responds quickly and gets you the best value while making sure your policy is exactly what you need. I’ve referred several people to her and will continue to do so.”— Raquel W., Google review
“I am very happy with the services provided by Lanie Hicks! … And I’m also happy with the insurance package that she got for me.”— Keith, Google review
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These are the questions Paradise Valley clients ask us most often.
Paradise Valley sits between Phoenix and Scottsdale in the heart of the Valley. These local facts shape how we insure homes, cars and businesses here.
Population: fewer than 13,000, among the smallest municipalities in the Phoenix metro.
Land area: about 16 square miles, bordered by Phoenix to the north, west and south and by Scottsdale to the east.
Household income: one of the highest median household incomes in Arizona.
Home values: median values in the millions, including some of the most expensive homes in Arizona.
Incorporated: 1961, to preserve the town’s low-density residential character.
Zoning: one-acre minimum residential lots and no commercial or industrial zoning outside resort special-use permits.
Landforms: Camelback Mountain on the southern edge and Mummy Mountain in the center of town.
Major roads: Tatum Boulevard, Lincoln Drive, Indian Bend Road, Doubletree Ranch Road and McDonald Drive.
Schools: mostly Scottsdale Unified (Cherokee Elementary, Cocopah Middle, Chaparral High), with a small area in Paradise Valley Unified.
Resorts: Sanctuary on Camelback, JW Marriott Camelback Inn, Mountain Shadows, the Hermosa Inn, Omni Scottsdale Resort and Spa at Montelucia, and Smoke Tree Resort.
Country club: Paradise Valley Country Club, founded in 1953.
Local business organizations
Paradise Valley’s resort and hospitality businesses are served by the neighboring Scottsdale Area Chamber of Commerce and the Greater Phoenix Chamber of Commerce, which represent businesses across the central Valley.
Our Tempe office serves the whole Phoenix metro, and our Mokena headquarters serves the Chicago suburbs.
Arizona:Scottsdale Phoenix Tempe Mesa Chandler Gilbert
Illinois:Mokena Naperville Orland Park Chicago Bolingbrook Plainfield Lockport Shorewood Channahon Minooka Oak Lawn Palos Hills Palos Park Lisle Warrenville
Hicks Insurance Group serves Paradise Valley from our Tempe office at 60 E. Rio Salado Parkway, Suite 9092, Tempe, AZ 85281. Call (480) 561-6210 or email plservice@hicksinsurance.com.
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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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