Phoenix is not one insurance market. It is dozens. A 1928 bungalow in Encanto-Palmcroft, a mid-century home in Arcadia and a 2018 build in Desert Ridge can belong to the same family and still need different carriers and different policy structures. The historic home needs replacement-cost coverage that accounts for period materials, while the new build fits standard underwriting and newer-construction discounts.
With about 1.65 million residents, Phoenix is the fifth-largest city in the U.S., the state capital and the Maricopa County seat. From Maryvale’s starter homes to Arcadia and Biltmore homes that often top $1 million, carrier choice, replacement-cost calculations and liability limits change from neighborhood to neighborhood. Hicks Insurance Group is an independent insurance agency licensed in Arizona, with 14+ top-rated carriers that span standard family bundles through high-net-worth markets such as Chubb, AIG Private Client, PURE and Cincinnati. We serve Phoenix from our Tempe office.
Independent insurance for Phoenix
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Phoenix homeowners coverage starts with the neighborhood, because age of construction, materials and home value vary so widely across the city. We sort most Phoenix homes into four groups, plus rental properties.
Pre-1940 homes in Encanto-Palmcroft, Willo, Coronado and parts of Downtown are hard to price for replacement. Period materials, handcrafted details and tile and plaster work cost more to reproduce than modern construction. Some specialty carriers price historic homes accurately, while many standard carriers underestimate the cost to rebuild. We compare both.
Arcadia, Biltmore and the Phoenix Country Club area have many block-construction homes with period detailing. Replacement is moderately specialized, and with values often above $1 million, high-value carrier underwriting is frequently the better fit.
Ahwatukee, Desert Ridge, Estrella, Laveen and Deer Valley are mostly 1990s–2010s construction. Standard carrier underwriting works well here, and multi-policy discounts are common.
In Maryvale, parts of Sunnyslope and South Phoenix, price matters. We shop for the lowest premium that still carries adequate dwelling and liability limits.
Many Phoenix households own a primary home plus one or more rentals. A landlord policy (DP-3) is different from an owner-occupied HO-3, and we coordinate the home, rental and umbrella policies so there are no gaps between them.
Brush-fire exposure
Homes next to South Mountain Park, Camelback Mountain, Piestewa Peak and North Mountain sit in the wildland-urban interface. Carrier selection matters for these properties.
Related:Homeowners insurance Landlord insurance Homeowners FAQ How much homeowners insurance do I need? What isn’t covered by standard home insurance?
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Arizona’s minimum auto liability is 25/50/15: $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage. We don’t recommend it for any Phoenix driver. The city’s freeway network (I-10, I-17, US-60, Loops 101, 202 and 303, and SR 51) carries heavy traffic, and one serious crash can exceed those limits quickly. Our suggested floor is 100/300/100 with matching uninsured and underinsured motorist coverage. For multi-vehicle households in Arcadia or Biltmore, 250/500/250 is a safer baseline.
Where you park at night can change your rate. Each carrier defines its own rating territories, so neighborhoods a few miles apart can price very differently, and theft and accident frequency vary across the city. Because carriers weigh these factors differently, comparing several carriers is especially useful in a city as large as Phoenix.
Many Phoenix residents drive to Sky Harbor and leave their cars parked for days. Comprehensive coverage handles theft and damage in airport lots, so check your comprehensive and collision deductibles before a long trip.
Related:Auto insurance Auto FAQ Does Arizona require auto insurance? How often should I review my auto insurance policy?
Phoenix has one of the most varied commercial insurance markets in Arizona, from hospital and aerospace suppliers to neighborhood restaurants. These are the segments we see most.
Banner Health, headquartered in Phoenix, is Arizona’s largest private employer. Any vendor that handles patient data needs cyber liability with breach response. Honeywell Aerospace is also based in Phoenix, and suppliers working on controlled technology need cyber and general liability coverage that fits ITAR and export-control contract requirements.
Sky Harbor ground-service vendors, including catering, ground transportation, fueling, baggage handling and security, need general liability, cyber, commercial auto and workers’ compensation at airport-contract limits. Vendors working Chase Field and Footprint Center events usually need hospitality general liability, liquor liability and cyber coverage.
Restaurants, contractors and retailers in Maryvale, South Phoenix and across the city need a practical small-business package: general liability, property, commercial auto and workers’ compensation, priced for a small operation.
Lobbying, legal and advisory practices around the State Capitol need high errors and omissions (E&O) limits plus cyber coverage. A homeowners home-business endorsement is not built for this work.
Industry coverage pages: general liability, cyber insurance, restaurants and bars, contractors insurance, commercial auto and workers’ compensation.
Related:Commercial insurance Business FAQ Is workers’ compensation insurance required in Arizona? Do small businesses really need cyber insurance?
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Phoenix umbrella needs cover the full range. A $1 million umbrella suits many standard households, $5 million is common for Arcadia and Biltmore families, and households along the Camelback Corridor with larger estates often carry $10 million or more.
The math is the same as in Scottsdale and Paradise Valley: a common rule of thumb is $1 million of umbrella for each $1 million of net worth above your underlying liability limits. For many Phoenix families, a $1 million umbrella is one of the most cost-effective coverages they can buy, and we quote higher limits side by side so you can compare.
If you own rentals, your umbrella must sit above both your home and your landlord policies. If you run an advisory or consulting practice from home, remember that home-business endorsements carry low limits, so meaningful professional liability requires a separate commercial policy.
Related:Umbrella insurance Insurance FAQ Is this a good time to review umbrella insurance? Do I need umbrella insurance if I already have home and auto?
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Phoenix shares the Valley’s desert weather, and its mountain parks add brush-fire exposure for nearby neighborhoods. These are the risks we review with every Phoenix client.
Neighborhoods next to South Mountain Park (South Mountain Village), Camelback Mountain (Arcadia), Piestewa Peak and North Mountain face wildland-urban-interface fire risk, and some carriers limit how much they write there.
Phoenix sits in the same hail corridor as the East Valley. A flat-dollar wind and hail deductible of $2,500–$5,000 is often easier to manage than a deductible set as a percentage of the dwelling limit.
Lower-lying streets and washes can flood from July through September. Comprehensive auto coverage protects vehicles, and separate flood insurance is worth reviewing for homes in mapped flood zones, including parts of South Phoenix and the Salt River corridor.
Dust storms damage vehicles and let dust into HVAC systems and exteriors. Phoenix’s record high of 122°F was set at Sky Harbor, and heat-driven HVAC or refrigeration failures can lead to loss-of-use and food-spoilage claims under a homeowners policy.
Heavy traffic on I-10, I-17, US-60, Loops 101, 202 and 303, and SR 51 is the main reason we recommend liability limits well above the state minimum.
Related:Flood insurance What does flood insurance cover? When is the best time to buy flood insurance?
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Hicks Insurance Group has been an independent agency since 1998, with a 5.0 rating across 1,400+ Google reviews. Here is how working with an independent agency compares with the other ways Phoenix residents buy insurance.
| Aspect | Captive agency | Direct online insurer | Hicks Insurance Group (independent) |
|---|---|---|---|
| Carrier access | One carrier | One carrier with limited tiers | 14+ carriers across every Phoenix neighborhood |
| High-value homes in Arcadia and Biltmore | Depends on the carrier | Limited | Chubb, AIG PC, PURE, Cincinnati |
| Historic homes in Encanto-Palmcroft and Willo | Generic underwriting | Generic underwriting | Access to carriers that price historic homes |
| Aerospace and defense vendors | Limited | Usually not available | Cyber and liability coverage for ITAR contracts |
| Multi-policy discounts | Within one carrier | Within one carrier | Compared across carriers |
| One agent who knows your file | Varies | Online or call center | Yes |
Reviews below come from Hicks clients across our Illinois and Arizona service areas.
“Staci provided fantastic customer service while we were transferring our auto and homeowner’s insurance from our move back from Florida. It was a stressful time and she made it much easier.”— Daniel T., Google review
“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
Related:Carriers and partners What is the advantage of an independent insurance agency over a captive agent? Testimonials
These are the questions Phoenix clients ask us most often.
Phoenix wraps around Paradise Valley and borders Scottsdale, Tempe and the West Valley. These local facts shape how we insure homes, cars and businesses here.
Population: about 1.65 million (2024 estimate), the fifth-largest city in the U.S.
Government: Arizona’s state capital and the Maricopa County seat.
Household income: a very wide range between neighborhoods, from working-class West Valley areas to affluent Arcadia and North Central.
Home values: everything from Maryvale starter homes to $1 million-plus homes in Arcadia and Biltmore.
Airport: Phoenix Sky Harbor International, Arizona’s largest airport and the center of a large vendor economy.
Open space: South Mountain Park covers more than 16,000 acres and is one of the largest municipal parks in the country.
Major employers: Banner Health, Arizona’s largest private employer, and Honeywell Aerospace are both headquartered in Phoenix.
Professional services: government, lobbying and legal work is concentrated around the State Capitol complex.
Sports: the Diamondbacks at Chase Field, the Suns and Mercury at Footprint Center, the Cardinals at State Farm Stadium in nearby Glendale, and Cactus League spring training.
Climate: monsoon storms, haboobs, hail and extreme heat, plus brush-fire risk near the mountain parks.
Greater Phoenix Chamber of Commerce
Founded in 1888, the Greater Phoenix Chamber represents thousands of businesses across the capital city and the wider region.
Our Tempe office serves the whole Phoenix metro, and our Mokena headquarters serves the Chicago suburbs.
Arizona:Paradise Valley Scottsdale Tempe Mesa Chandler Gilbert
Illinois:Bolingbrook Channahon Chicago Lisle Lockport Minooka Mokena Naperville Oak Lawn Orland Park Palos Hills Palos Park Plainfield Shorewood Warrenville
Hicks Insurance Group serves Phoenix 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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Independent insurance for every Phoenix neighborhood, from historic bungalows to new builds.
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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.
We want to ensure we deserve your loyalty and trust, which is why we build our agency on the three principles listed below.
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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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