While we don't write these limits at Arcwell, for good reason, Arizona requires drivers to carry minimum liability insurance of 25/50/15. This means $25,000 for bodily injury per person, $50,000 per accident, and $15,000 for property damage. While this meets legal requirements, these limits are often not enough to cover serious accidents. Many Arizona drivers choose higher limits to better protect their savings and income.

Auto insurance rates in Arizona have increased due to higher vehicle repair costs, medical expenses, distracted driving, and severe accidents. Newer vehicles are more expensive to fix, and accident severity has risen statewide. Rates are also affected by driving history, credit, location, and vehicle type. Reviewing coverage regularly can help ensure you’re protected without overpaying.

“Full coverage” is not an official insurance term. It usually means you have liability, comprehensive, and collision coverage, often required by lenders. It does not mean every situation is covered. Coverage limits, deductibles, and exclusions still apply, which is why personalized coverage matters more than labels.

Homeowners insurance typically covers wind and hail damage from Arizona monsoon storms. However, flooding caused by heavy rain is not covered by standard homeowners insurance. Flood insurance must be purchased separately. Reviewing your policy before monsoon season is important to avoid gaps in coverage.

Homeowners insurance should be reviewed annually and anytime you remodel, add square footage, install a pool, or experience changes in construction costs. Regular reviews help ensure your coverage keeps up with rising rebuilding costs and lifestyle changes.

Homeowners insurance should be based on the cost to rebuild your home, not its market value. Construction costs in Arizona have increased significantly, making accurate dwelling limits essential. Liability coverage is also important to protect against injuries or lawsuits occurring on your property.

An umbrella insurance policy provides additional liability protection beyond your home and auto policies. It helps protect your assets and future income if you’re sued. In Arizona, umbrella insurance is especially valuable for homeowners, families, business owners, and anyone with savings or higher income. Many umbrella policies are surprisingly affordable for the protection they provide.