Expertise.com
2024

Last updated:

Best Homeowners Insurance Agencies in Tempe

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Tempe Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

106

Reviewed

66

Curated

7

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
8040 East Morgan Trail, Scottsdale, AZ 85258
  • Multiple Policy Types
  • Personal Property Insurance

Why choose this provider?

Vanyo Insurance Group is an independent, full-service insurance agency that assists clients with choosing the best homeowner's insurance for their needs. Its homeowners' policies can cover the contents of the home, from jewelry to appliances and furniture. Building damage caused by floods, fires, or storms is covered in a comprehensive policy. Agents assist with compiling a detailed list of valuable items for the policy and ensure all additional structures on the property are covered.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8687 East Vía de Ventura, Scottsdale, AZ 85258
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

For more than 60 years, Tatum Insurance has provided insurance services to homeowners near Tempe. Its agents offer insurance policies that cover buildings, structures, and personal belongings when damaged, advising clients on the best plan for their individual needs. The policies cover losses resulting from fire, theft, riots, vandalism, and smoke damage. It ensures clients who suffer complete loss can have temporary residences and nonresidents who incurred injuries while on the policyholder's premises are compensated.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (41)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3200 North Hayden Road, Scottsdale, AZ 85251
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Since 2002, Bennett & Porter has provided homeowners in Tempe and surrounding areas with insurance services. Its agents are experienced in linking clients with personalized insurance policies to protect their buildings and personal belongings from disasters such as burglary. They also guide their clients after calamities and ensure damage to premises are paid for. Bennett & Porter provides temporary relocation after a disaster, and they offer auto, life, and business insurance. It was ranked Top 25 in Arizona by the Phoenix Business Journal.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (111)
Yelp
4.5 / 5 (30)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
8201 North Hayden Road, Scottsdale, AZ 85258
  • Personal Property Insurance

Why choose this provider?

NFP is an insurance brokerage company that provides a wide variety of insurance and consultation services to people in need of diverse insurance coverage. Its experienced homeowner's insurance agents use their technical expertise and deep insurance knowledge to offer insurance solutions to clients. They provide liability coverage and protection for homes and rental properties. The brokers also review the entire insurance program to ensure the coverage limits are correct and in line with current market trends.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Facebook
4.0 / 5 (30)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
5425 East Bell Road, Scottsdale, AZ 85254
  • Condos
  • Multiple Policy Types
  • Flood

Why choose this provider?

Summit Insurance Advisors is a locally managed and independently operated insurance agency that provides personalized insurance plans to people living in the Tempe areas. The agents guide clients throughout the homeowner insurance application process to ensure they apply for the best policy that will protect them, their families, and possessions. They also offer property owners, renters, condo, and flood insurance policies which allows them to claim for property repairs and replacement of damaged valuables when uncertainties strike.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (62)
Yelp
4.5 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
15613 North Greenway Hayden Loop, Scottsdale, AZ 85260
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Palomino Insurance Agency Inc. is a full-service insurance company providing homeowner's insurance in the Tempe area. Its insurance experts assist homeowners with choosing personalized insurance plans that protect their property in case of disasters. They offer insurance plans that cover residential buildings and structures such as carports and barns, personal belongings, and liability if a guest is injured during the disaster. In addition, Palomino Insurance Agency provides coverage against total loss and theft.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (26)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
14555 North Scottsdale Road, Scottsdale, AZ 85254
  • Multiple Policy Types

Why choose this provider?

Mark Slepak - State Farm Insurance Agent has domestic and international industry experience spanning more than 45 years. He caters to homeowners' needs in Tempe and the surrounding areas by providing them with insurance options that cover their dwellings and gardens as well as personal items. He aims to establish long-term relationships with his clients. Mr. Slepak also offers other products, such as auto, renters, and life insurance and financial services.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What is the average cost of homeowners insurance in Tempe?

    In Tempe, the average cost of homeowners insurance is $1,599, but multiple variables determine its costs. Properties in zones vulnerable to wildfires or vandalism might incur steeper charges. Homes constructed recently, adhering to current codes, typically fetch reduced rates. The size and building materials, such as concrete versus wood, further sway the price. Past claims can lead to increased premiums while elevating deductibles can offer savings.

  • For a Tempe resident whose home is rendered uninhabitable due to a covered event, what provisions can they anticipate from the Loss of Use insurance (Coverage D)?

    A Tempe homeowner can expect Loss of Use insurance (Coverage D) to cover additional living costs when a qualifying event makes their home unlivable. This entails footing bills for alternative housing, such as hotel stays, extra mileage for extended commutes, an allowance for meals if there's no kitchen access, charges for relocating possessions, and even pet boarding expenses. This coverage remains active until the home is habitable or a new main residence is established.

  • If a Tempe homeowner leaves their property vacant, how can a Vacancy Permit affect their insurance coverage, and what risks might they face without one?

    In Tempe, when a residence is unoccupied, a Vacancy Permit is vital to extend a homeowner insurance policy. This endorsement ensures the property retains basic coverage during the vacancy, although it often reduces and limits certain protections, such as excluding water damage. Without this permit, a homeowner's policy might exclude vacant homes, leading to potential claim denials. It's essential to secure a permit to avoid total loss of insurance during vacancy periods.

  • For a Tempe resident securing a mortgage, is homeowners insurance typically included, and can lenders mandate this coverage?

    Homeowners insurance isn't typically bundled with mortgage costs in Tempe. Borrowers must obtain it separately. Lenders usually stipulate having this insurance, much like the requirement for title loan protection, when granting a mortgage. This ensures they have coverage against unforeseen mishaps or damages. If not complied with, lenders have the legal right to mandate borrowers to have insurance up to the mortgage's value.

  • For a Tempe resident owning multiple homes, how do homeowners insurance and dwelling insurance differ, especially in terms of occupancy and coverage?

    In Tempe, homeowners insurance is tailored for your primary residence, offering personal, structure, and liability coverage while mandating personal occupancy. On the other hand, dwelling insurance specifically covers the building's structure, excluding liability. It's best suited for rental properties or homes not occupied by the owner. While homeowner's policies can encompass dwelling insurance, it's often utilized to safeguard a second, non-primary property.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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