Stop guessing with your coverage. As an independent agency, we shop the best Arizona carriers to find the right protection at the right price.
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At Insurance Trusted Advisor, we believe that insurance is more than just a policy—it’s a promise of security. Because we are independent agents, we don’t work for one insurance company; we work for you. By shopping multiple top-rated carriers, we find the most competitive rates and tailored coverage that a single "captive" agent simply can't offer.
Trust the expertise. Protect what matters.
We partner with a diverse range of trusted insurance providers to ensure you receive the most competitive rates and comprehensive coverage available. Because we work for you—not the insurance companies—we only recommend partners that meet our high standards for financial stability and claims service.
* Our network is constantly expanding to serve you better. If a specific carrier isn't listed, let us know—we likely work with them or can find a solution for you.
Our mission is to serve as a dedicated advocate for our clients, combining the savings of an independent agency with the integrity of a trusted advisor. We are committed to identifying risks before they become problems and ensuring every client has direct access to professional expertise and honest, transparent advice.
We don’t believe in "one size fits all." We take the time to understand your unique risks and goals to build a plan that actually fits your life.
As your Trusted Advisor, our priority is your best interest. We provide transparent advice so you can make confident, informed decisions.
We don’t just react to problems; we help you identify potential gaps in your coverage before they become issues.
You aren't just a policy number. When you call Insurance Trusted Advisor, you speak directly with a dedicated agent who knows your history and your needs.
Stop overpaying for 'one-size-fits-all' insurance.
Contact us today to see how much an independent advisor can save you.
Our clients are at the heart of everything we do. See why families and businesses across Phoenix choose Insurance Trusted Advisor for expert guidance, independent savings, and a partnership they can count on.
I thought I was getting a good deal with my old 'big name' insurance company until I spoke with Insurance Trusted Advisor's. They shopped around and found me better coverage for my home and auto while saving me over $900 a year. Truly an independent advantage!
Finding commercial insurance for my small business was a headache until I found this team. As a Trusted Advisor, they didn't just sell me a policy; they explained my risks and helped me choose the right liability coverage. I finally feel like my livelihood is protected.
You don't know how good your agent is until you have to file a claim. When I had a pipe burst, the team at Insurance Trusted Advisor walked me through every step. They are professional, responsive, and truly have your back when things go wrong.
When we started our family, we knew we needed life insurance but didn't know where to start. Our Insurance Trusted Advisor took the time to explain the different options without any high-pressure sales tactics. We walked away with peace of mind knowing our children’s future is secure at a price that fits our budget.
The difference with this agency is the personal touch. I’m not just a policy number here. Every time I call, I speak with a professional who knows my history and my needs. It’s rare to find an insurance agent who actually acts as a Trusted Advisor and looks out for your best interest year after year.
I’ve been with several agencies over the years, but Insurance Trusted Advisor is the first one to actually reach out and suggest a policy review before my renewal. They identified a gap in my umbrella coverage I didn't even know I had. Their proactive approach saved me from a potential financial disaster!
I used to spend hours online trying to compare quotes myself, and it was a nightmare. Switching to Insurance Trusted Advisor was the best decision I’ve made. They handled all the 'heavy lifting,' compared multiple carriers in minutes, and found me a better rate than I could find on my own. They made a complicated process feel simple and stress-free!
In 2026, Phoenix drivers typically pay more for auto insurance than those in Tucson. On average, full coverage in Phoenix hovers around $2,200 to $3,000 annually, while Tucson averages are approximately $1,800 to $2,500. This difference is largely due to the higher traffic density and theft rates in the Valley of the Sun.
Standard Arizona homeowners policies typically cover wind and hail damage caused by monsoons (like roof damage from a microburst). However, they do not cover "rising water" or flash flooding. For protection against heavy desert rains entering your home from the ground, you need a separate flood insurance policy.
As of 2026, Arizona law requires "25/50/15" coverage: $25,000 for bodily injury (one person), $50,000 for bodily injury (two or more people), and $15,000 for property damage. However, given Phoenix's high cost of repair, we highly recommend $100,000/$300,000 limits to avoid personal liability.
While not always legally required by lenders outside of FEMA's Special Flood Hazard Areas (SFHA), about 25% of all flood claims come from low-to-moderate risk zones in Phoenix. In the desert, flash floods can happen anywhere, making a preferred-risk flood policy a smart, low-cost investment.
If you have one or more employees (even family members or part-time staff), Arizona law requires you to carry Workers' Compensation insurance. While General Liability and Professional Liability aren't mandated by state law, most Phoenix commercial landlords will require a $1M/$2M policy before you can sign a lease.
Yes. Bundling is the most effective way to lower premiums in the 85001–85087 zip codes. Most of our carriers offer 15% to 25% discounts when you combine your auto, home, or life insurance under one "Trusted Advisor" plan.
Your standard Arizona policy may offer limited coverage within 25-50 miles of the border, but it does not meet Republic of Mexico legal requirements. If you are driving from Phoenix to Rocky Point or Nogales, you must purchase a separate Mexico Tourist Auto policy to avoid legal trouble or vehicle impoundment.
In Phoenix’s volatile real estate market, this is crucial. Replacement Cost pays to rebuild your home at today’s labor and material prices. Actual Cash Value only pays what your home was worth (minus depreciation). We always recommend Replacement Cost to ensure you aren't left underinsured after a total loss.
In Arizona, you must typically add your child to your policy as soon as they receive their Class G driver’s license. While they have a learner's permit, they are usually covered under the parent's policy, but you should always verify with your advisor to prevent a "gap in coverage" during an accident.
A direct agent (like State Farm® or Geico®) can only sell you one brand. As an Independent Trusted Advisor in Phoenix, we shop over 20+ different carriers (like Progressive®, Travelers®, and Safeco®) to find the best rate and coverage for your specific needs, saving you hours of research.
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