Insurance for Phoenix, Arizona
Faithful Insurance serves Phoenix households and businesses from our office in nearby Peoria. As an independent agency we compare multiple carriers rather than selling one company’s product, which matters in a market as varied as Phoenix — a 1950s bungalow in Encanto and a new build in Desert Ridge are not the same insurance problem.
What we cover in Phoenix
Personal lines including home, auto, condo, renters, landlord and rental property, umbrella, flood, and term life. Commercial lines including general liability, commercial property, commercial auto and trucking, workers’ compensation, professional liability, cyber liability, and bonds.
What drives insurance costs in Phoenix
Density and traffic. Phoenix carries more vehicles, more intersections, and more claim frequency than the surrounding suburbs. Auto premiums reflect that, and it is one of the clearer cases where shopping several carriers produces a real spread rather than a rounding difference.
Housing age range. Central and south Phoenix hold a great deal of pre-1980 housing. Original electrical panels, cast iron or polybutylene plumbing, and older roofs all affect both price and eligibility — some carriers decline outright, others price it in. Knowing which is which before you apply saves time.
Rental and investment property. Phoenix has a large rental market, and landlord policies are frequently written wrong. A standard homeowners policy on a property you rent out can be denied at claim time. If you are renting a property out, it needs a landlord or dwelling fire policy, not a homeowners policy.
Monsoon and heat. The same wind, dust, and roof-aging exposure as the rest of the Valley, plus urban flash flooding where drainage is overwhelmed. Standard homeowners policies do not cover flood. That is a separate policy.
Areas we serve
All of Phoenix, including Ahwatukee, Arcadia, Biltmore, Deer Valley, Desert Ridge, Downtown and Roosevelt Row, Encanto, Laveen, Maryvale, Norterra, and North Phoenix.
The carriers we compare for you
Faithful Insurance is an independent agency, which means we are appointed directly with a range of carriers and can put them side by side rather than quoting one company and calling it the market. We currently compare:
- American Strategic
- Branch
- Commonwealth Casualty
- Foremost
- GEICO
- The Hartford
- Lemonade
- Liberty Mutual
- Mercury
- MSI
- National General
- Openly
- Orion180
- Progressive
- Safeco
- Steadily
- Stillwater
- Travelers
Not every carrier writes every line of coverage, and availability varies by property, driving record, and underwriting eligibility. Part of our job is knowing which of these is likely to be competitive for your situation before you spend time on an application.
Getting a quote
Start on our quotes page or call (623) 680-6253. Bring your current declarations page and we will compare like for like.
Frequently asked questions
Do you have to be in Phoenix to work with a Phoenix agent?
No. We are based in Peoria, about twenty minutes away, and handle Phoenix policies daily. Most of our clients handle everything by phone, email, and our online service center.
Does my Phoenix homeowners policy cover flooding?
No. Flood is excluded from standard homeowners policies and requires separate flood insurance. Parts of the Phoenix area sit in mapped flood zones and many do not, but flash flooding is not limited to mapped zones.
I rent out a house in Phoenix. What policy do I need?
A landlord or dwelling fire policy, not a homeowners policy. If a claim happens on a rental property insured under a homeowners policy, the carrier can deny it.