Arizona insurance,
from people who know the market.
RightQuote has a local office in Tempe serving the Phoenix metro and East Valley. We specialize in Arizona's specific risks — monsoon season damage, flat and foam roof underwriting, flash flood coverage gaps, and a homeowners market that has tightened significantly since 2022.
The Arizona insurance market
Why Arizona insurance requires local expertise
Monsoon season: June 15 – September 30
Arizona monsoon season runs June 15 through September 30 by official designation. Haboobs (dust storms), straight-line winds exceeding 70 mph, and flash flooding cause significant property damage every year. Standard homeowners policies cover wind damage but NOT flash flooding — a critical gap for many Phoenix metro homeowners. The National Weather Service reports that Arizona averages 2–4 significant haboob events per year in the Phoenix metro, with some years producing multiple damaging events.
Flat and foam roofs: The Arizona underwriting challenge
Flat and foam roofs are the dominant roof type in Tempe, Phoenix, Scottsdale, and the East Valley. Many standard carriers view them as higher risk or won't write them at all — particularly foam roofs, which require specialized maintenance and are prone to ponding water damage. We know which carriers write Arizona's dominant roof types competitively and at fair prices, and which ones to avoid.
Flash flood coverage: The gap most homeowners don't know about
Standard homeowners insurance does not cover flood damage — including flash flooding, which is common in the Phoenix metro during monsoon season. Maricopa County has numerous washes and low-lying areas that experience flash flooding regularly. A separate flood policy through the National Flood Insurance Program (NFIP) or private flood market typically costs $500–$1,500 per year and can protect against a loss that standard coverage will not pay.
Jun 15–Sep 30
Official monsoon season
National Weather Service designation
70+ mph
Haboob wind speeds
Straight-line winds, Phoenix metro
18%
AZ homeowners rate increase
Statewide average, 2023
$500–$1,500
Annual flood policy cost
NFIP or private flood market
Coverage we specialize in
Arizona-specific coverage guides
Each guide covers what actually matters in the Arizona market — monsoon underwriting, flat roof coverage, flash flood gaps, and the carrier behaviors that affect Phoenix metro policyholders.
Our Arizona office
Local to the East Valley
Alex Ford runs our Tempe office and specializes in health, life, and personal lines for the Phoenix metro. He's known for explaining complex coverage in plain English and being the agent who actually picks up the phone. If you're in Tempe, Scottsdale, Mesa, Chandler, or anywhere in the East Valley, Alex is your local advisor.
Talk to an Arizona agent
Ready to compare Arizona rates?
We compare coverage and pricing across our network of 20+ A-rated carriers to find the right fit for your specific Arizona risk profile — monsoon exposure, roof type, and all.