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2024

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Best Homeowners Insurance Agencies in Tempe, AZ

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.

106Reviewed

66Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

8040 East Morgan Trail, Scottsdale, AZ 85258

Expertise.com Rating

Review Sources

Facebook
5.0 (21)

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.

  • Multiple Policy Types
  • Personal Property Insurance

14555 North Scottsdale Road, Scottsdale, AZ 85254

Expertise.com Rating

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.

  • Multiple Policy Types

5425 East Bell Road, Scottsdale, AZ 85254

Expertise.com Rating

Review Sources

Google
4.6 (62)
Yelp
4.5 (9)

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.

  • Condos
  • Multiple Policy Types
  • Flood

8687 East Vía de Ventura, Scottsdale, AZ 85258

Expertise.com Rating

Review Sources

Google
4.8 (41)
Facebook
5.0 (1)

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.

  • Multiple Carriers
  • Multiple Policy Types

8201 North Hayden Road, Scottsdale, AZ 85258

Expertise.com Rating

Review Sources

Facebook
4.0 (30)

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.

  • Personal Property Insurance

15613 North Greenway Hayden Loop, Scottsdale, AZ 85260

Expertise.com Rating

Review Sources

Google
4.9 (26)
Facebook
5.0 (3)

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.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

3200 North Hayden Road, Scottsdale, AZ 85251

Expertise.com Rating

Review Sources

Facebook
5.0 (111)
Yelp
4.5 (30)

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.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
smartmoveinsurance.com
8040 East Morgan Trail, Scottsdale, AZ 85258
Mark Slepak - State Farm Insurance Agent
14555 North Scottsdale Road, Scottsdale, AZ 85254
Summit Insurance Advisors
5425 East Bell Road, Scottsdale, AZ 85254
Tatum Insurance
8687 East Vía de Ventura, Scottsdale, AZ 85258
NFP
8201 North Hayden Road, Scottsdale, AZ 85258
Palomino Insurance Agency, Inc.
15613 North Greenway Hayden Loop, Scottsdale, AZ 85260
Bennett & Porter
3200 North Hayden Road, Scottsdale, AZ 85251

Tempe, AZ Homeowners Insurance Agency FAQs

  • 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.

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