Comprehensive Coverage for Every Aspect of Your Life.

Homeowners insurance in Sedona typically runs between $1,400 and $3,500 per year for a standard single-family home, though hillside homes, higher-value properties in the Village of Oak Creek, and homes in wildfire-prone wildland-urban interface areas can run higher. The biggest cost drivers are the home's replacement cost (construction costs in red-rock country run above the Arizona average), wildfire risk classification, deductible level, and whether you bundle with auto. We shop A-rated carriers and quote your actual home in about 15 minutes — never a ballpark.

Yes — a standard homeowners policy covers fire damage, including wildfire, up to your dwelling and personal-property limits, plus additional living expenses if you're displaced by an evacuation. The key is that your policy is rated and written for Sedona's wildland-urban interface and that your dwelling limit reflects the true replacement cost of a hillside or red-rock-country build. Many generic national policies underinsure on replacement cost, which is the gap we most often close for new Sedona clients.

No — flood damage from monsoon-driven flash flooding, overflowing washes, and storm runoff is excluded under a standard homeowners policy. Flood coverage requires a separate flood insurance policy (available through the NFIP or private carriers). Sedona's monsoon season (late June through September) makes this especially important for homes near washes, in low-lying areas, or downstream from burn scars. We evaluate your property's flood exposure and place a flood policy when warranted.

Arizona requires minimum liability coverage of $25,000 per person / $50,000 per accident for bodily injury and $15,000 for property damage (25/50/15). We recommend higher limits and a full-coverage policy that adds comprehensive (theft, hail, wildlife, glass), collision, uninsured/underinsured motorist, and medical payments. For Sedona drivers, comprehensive is especially valuable given monsoon hail, wildlife on scenic highways, and the higher uninsured-motorist rate in Arizona.

Almost always yes. Bundling home and auto with the same carrier typically saves 10–25% on both policies, simplifies billing and renewals, and coordinates liability across a single umbrella. Many Sedona clients extend the bundle to include life, an umbrella policy, and even a business policy. We structure the bundle so coverage coordinates without gaps and so you capture every available multi-line discount.

Term life insurance covers you for a set period (10, 20, or 30 years) and pays a death benefit if you pass away during the term — it's the most affordable way to replace income during your working years. Whole life insurance lasts your entire life, builds tax-advantaged cash value, and has level premiums — it costs more but functions as both protection and a long-term financial asset. Many Sedona families use term for peak earning years and add a smaller whole-life policy for lifelong coverage and final expenses.

A common guideline is 10–12 times your annual income, but the right number depends on your mortgage balance, number of dependents, future college costs, retirement savings, and any business debts. A young Sedona family with a $600,000 mortgage and two children typically needs $750,000 to $1.5 million in coverage. We walk through your actual goals and size the benefit accordingly — not a one-size-fits-all calculator.

Yes. We're licensed to write ACA (Obamacare) marketplace plans both during Open Enrollment (November 1 – January 15 in Arizona) and during Special Enrollment periods triggered by life events like moving, marriage, a new baby, or losing employer coverage. We help you compare metal tiers (Bronze, Silver, Gold, Platinum), check whether your doctors are in-network, estimate subsidy and premium-tax-credit eligibility, and enroll — at no cost to you.

Yes. Sedona has a large retiree community, and we're appointed with multiple Medicare Advantage (Part C), Medicare Supplement (Medigap), and Medicare Part D (prescription drug) carriers. We help you compare Original Medicare plus supplement versus Medicare Advantage, evaluate networks for Yavapai and Coconino counties, and review formularies so your prescriptions are covered — all during Annual Enrollment (October 15 – December 7) and beyond.

A proper commercial program for a Sedona gallery or Uptown retailer typically includes general liability (slip-and-fall, customer injury, product liability), commercial property (the building, inventory, fixtures, and art), business interruption (lost revenue after a covered loss), and crime coverage (theft of high-value inventory). Many add business auto if they do deliveries or off-site shows, and workers' comp if they have employees. We tailor the program to the seasonal, tourism-driven revenue pattern that defines Sedona retail.

Yes — and this is a common coverage gap. A standard homeowners policy typically excludes or severely limits short-term rental activity, leaving you exposed when a guest is injured or damages the property. Proper coverage comes from a business-owner policy (BOP) or a specialized vacation-rental endorsement that includes liability for paying guests, damage to your property by guests, and lost rental income after a covered loss. We structure it correctly for Sedona's active short-term rental market.

A Business Owner Policy (BOP) bundles general liability and commercial property into a single, cost-effective package designed for small and mid-sized businesses. Many Sedona galleries, retailers, restaurants, professional service firms, and tour operators are ideal BOP candidates. A BOP is typically cheaper than buying liability and property separately and can be endorsed to include business interruption, crime, and equipment coverage. We'll tell you honestly whether a BOP or a custom commercial package fits your business.

It can, with the right policy. Standard travel insurance covers trip cancellation, lost baggage, and emergency medical evacuation — but many base policies exclude high-risk adventure activities. For hiking, mountain biking, rock climbing, or guided excursions in and around Sedona, an adventure-sport rider extends medical and evacuation coverage to those activities. This matters for both Sedona residents traveling abroad and visitors coming to experience the red rocks; we place the right coverage for the trip.

An umbrella policy adds $1 million, $2 million, or more in liability coverage above the limits of your home, auto, and other underlying policies. It protects your assets — home equity, savings, investments, future income — if you're sued for a serious injury or damages that exceed your primary limits. For Sedona homeowners with significant property value and business owners with real assets, an umbrella is one of the highest-value, lowest-cost coverages you can carry.

Most quotes take about 15 minutes on a call or after submitting our online form. A simple auto or home quote can be instant once we have your details; a coordinated multi-line personal or commercial program may take a bit longer as we shop multiple carriers. Either way, we set expectations up front and move fast — no two-week waits.

Often yes. We have admitted and surplus-lines (E&S) markets for clients who've been declined, non-renewed, or who carry prior claims — particularly common for homes in high wildfire-risk areas or businesses with a prior loss. Bring us your situation and we'll find a market. Full disclosure of prior claims is required; we handle it transparently.

We're an independent agency — which means we're appointed with multiple A.M. Best A-rated carriers rather than being captive to one. That lets us shop your coverage across competing markets, find the best combination of price and coverage, and advocate for you at claim time rather than for the carrier. It's the model that lets us genuinely say we shop for you.

Sedona Insurance Agency is a division of Contractors Choice Agency (CCA), founded by Josh Cotner in 2005. CCA is an independent, multi-line insurance agency licensed in all 50 states. The Sedona-focused division brings CCA's two decades of personal and commercial expertise — and its broad carrier access — to the residents and businesses of Sedona and Northern Arizona.

Our National Producer Number (NPN) is 8608479, registered through Contractors Choice Agency. We're licensed in all 50 states and based at 12220 E Riggs Road, Suite #105, Chandler, AZ 85249 — with a focus on serving Sedona, the Verde Valley, and Northern Arizona. You can always verify an agent's licensing through your state's Department of Insurance using the NPN.