Storm Damage and Homeowner Insurance

Back in October 2010 Arizona suffered one of those rare storms. We get storms, mind you. The rain that pours down so hard the streets are flooded and homeowners are hoping the water does not reach the front of back doors. But the storm five years ago was so significant in the damage it did. Between the rain, wind and golf ball sized hail, thousands of Arizona homeowners applied to the insurance company for a new roof or roof repairs.

I recall a dozen or so roofing companies stopping by my residence and offering to file a claim on my behalf. One even made his way up to my roof and claimed to spot a significant number of dings in my roof that he said compromised it. I declined to file a report or claim. For starters, I did not believe my roof had been significantly damaged. Secondly, I would have felt dishonest filing a claim for benefits I did not feel entitled….though it was mildly tempting.

With all that in mind, it might surprise you to know that six states account for 75% of at-risk homes, meaning potentially at risk for storm damages. These states are Florida (for obvious reasons), Louisiana, New York, New Jersey, Texas and Virginia.

All of these states have coastlines but what makes New York different is the amount of homes and property that have in a small area. Compared to the other states on this list, their coast line is much smaller.

To help protect yourself against the risk of a storm claim, it is advisable to have your roof inspected periodically. One item many homeowners forget to re-check over time is the grout or tar around a fireplace and roof vents. Especially in Arizona those get dry and crack.

When I originally bought the house I live in today it did not occur to me to check the tar and grout around areas like my fireplace. Sure enough, one summer storm and we had water trickling down into the living room. Now, every couple years I go back up and slap some fresh tar around it.

Before you paint your house go around with a tube of caulking and fill in any cracks. This helps keep your home a little better insulated.

One more item. Homes with air conditioners on the roof will have a condensation pipe that drips during the heat of the summer. Buckets of water every day will come out of it. If that water is dripping near your foundation you need to re-route it away. Over years that water is enough to fill a small swimming pool. Imagine what that can do to your foundation. We had gutters installed and now the water drips into my gutter. Attached to the gutter exit is a tube directing the water away from the house.

Low Cost Insurance 85202

If you live in zip code 85202 and want Low Cost Auto or Homeowner Insurance, please let us help.

85202 is a rectangular shaped zip code stretching from Price Road to Alma School Road. And from Guadalupe Road to Broadway Road. But for many people this area is mostly known for Dobson Ranch – a collection of about four thousand homes, town homes and condos.


The area was developed in the mid 1970’s to the mid 1980’s. Continental homes bought the land that is now known as Dobson Ranch. It was once a cattle ranch with thousands of head. Dobson Road was named after the owners. In the area is a high school, junior high and a few elementary schools. Located in the center of 85202 is a mall that once dominated the shopping scene – Fiesta Mall. Today, other newer malls have drawn much of the shopping dollar away from this icon.

U.S 60 runs directly through 85202. Also known as the Superstition Freeway, the US 60 was developed slowly as the population grew. Up to the 1980’s it stretched only to Power Road. Over the years, the State of Arizona has widened the road. This has helped the growing population of the east valley.

85202 is comprised of single family dwellings, condos, town homes and apartments. Whether you seek low cost insurance in 85202 for a property you own or rent, we can help.

Our Company

Our firm represents an array of leading and top ranked regional and national insurance carriers, such as MetLife, The Hartford, Kemper, Infinity, Badger Mutual, Mapfre and more.

Whether you want 85202 homeowner insurance, 85202 auto insurance or renters insurance let us help. We can also assist if you own a toy – boat, ATV, golf cart or motorcycle.

How much does homeowner insurance in 85202 cost? Well, it depends on what you are insuring and how much insurance you want. If you want to insure a single family dwelling in the 2,000 square foot range you might pay $600-$800 per year approximately. Of course, you always have to know there are many factors and criteria that insurance carriers use. This is only a sample range.

We save people money

We are not locked into one carrier like some other agents. We can compare rates with numerous top ranked and top rated insurance carriers to help you pay less. Our goal is to help clients save up to 15% – 30%. But just as important, we want to help you select the right coverage so that you and your family is adequately protected.

Please call me for a quote (480) 659-0229. Or email:

On our website is a quote form you can complete as well.

Homeowner Insurance in 85233

Want to save money on your homeowner insurance in 85233? Contact us for a quote and save money!

Gilbert Arizona is a great place to live. Ask anyone and the chances are you will find a person who cannot imagine living anywhere else. You will find beautifully built homes in well managed neighborhoods and homes with gorgeous red tile roofs.

Crime is relatively low and the streets are safe compared to most communities. It was ranked as one of the top 25 safest communities in the United States. CNN Money Magazine rated it as one of the best places to live. The schools are really good. They have lakes. Good food. Ample shopping. It’s mostly residential so you have less commercial traffic and construction.

Guess what? Insurance carriers know all of this information too. We have insurance carriers who LOVE Gilbert and frequently give us great rates on homeowner insurance in 85233.

Gilbert has grown over the years. From a sleepy farming community into the 1960’s and 1970’s to a booming residential community from the 1980’s to now. Census estimates say the population in Gilbert is now around 230,000. About 39% of the adult residents hold at least a bachelor’s degree. Median household income is roughly $80,000.

What is their not to love if you are an insurance carrier offering homeowner insurance in 85233.

The town can trace its roots to a man named William “Bobby” Gilbert who provided land to the Arizona Eastern Railroad so they could construct a rail line from Phoenix to Florence. Ayer’s Grocery Store was founded in 1910 and became the town’s first post office as well. Eventually, the post office moved to a spot east of Gilbert road where it remains to this day.

The town of Gilbert was incorporated in 1920 and was known as the Hay Capital of the World. For many years in the 1990’s and into the early 2000’s Gilbert was the fastest or one of the fastest growing towns in the country.

If you own a home in Gilbert or are thinking of moving to Gilbert, please get a quote for your homeowner insurance in 85233. We work with leading and highly rated insurance providers. We shop and compare those rates to help you save money.

I hope to save you money!
Gary Brown, Insurance Agent and Broker
(480) 659-0229

Google Insurance

You may have heard that Google entered the insurance market. Some insurance agents and carriers may be a bit nervous to see Goliath take a stab at our industry.

Yet, I don’t see that they are doing anything unique that is not already offered by a hundred others. They will ask for your information – name, address, vehicles, coverage, and driver information. They bought a company that has an insurance platform and offers insurance quotes through various providers. That is already being done by many companies and websites, including me. It’s nothing new.

Take our firm – Choice Insurance of Arizona, for instance. We shop and compare insurance with leading and top rated carriers like Progressive, Hartford, MetLife, Kemper, Badger Mutual, American Strategic and more.

So what is the difference between us and these companies selling insurance through a 1-800 phone number or internet?

Let me give you one very big difference – advice!

So many times I have worked with clients who bought insurance over the phone or through the internet and was shocked to see the basic limits they carry. You see, clients almost always focus on one thing – price. That’s because most of the TV advertising attracts you by promising to save you money.

Don’t get me wrong. I want to save you money too. But my concern for you is more than just the premium. If I help you with insurance but do not help you properly protect yourself you may end up extremely unhappy if you are involved in a claim.

When it comes to insurance you better focus on price 2nd and your coverage 1st. Give me great coverage and THEN let’s see what your price is.

About six or seven years ago we were rear ended by a car that never hit their brakes. We were quite shaken up. Due to the impact behind us, our car hit the car ahead of us, which hit also the vehicle ahead of them. Guess who is responsible for all the damage to all four vehicles? You guessed it – the car that rear ended us initially

Last year a client rear ended someone and caused a 4 car chain accident. Our client is responsible. Fortunately, they have me as their insurance agent and have good coverage on their insurance policy. Their policy will take care of all the damage and injuries.

Now, this is not to say a client will not insist on carrying low coverage limits against my advice. It happens. Maybe due to restrictive finances they feel they must carry low limits to save every dollar they can. It happens. But I always advise against carrying low coverage limits.

But what would have happened if that same client had bought online or through the internet? The chances are they would have been sold price first and coverage second. And that would have left them personally dealing with a very difficult financial situation.

Do yourself a favor. Call me and let me help you with your insurance. I promise to talk with you about your coverage and protecting yourself AND shop around for the best price we can find with our carriers.

Gary Brown, Insurance Agent & Broker
(480) 659-0229

Homeowner Insurance Dobson Ranch

If you live in Dobson Ranch or are moving to the area, please keep us in mind for your Dobson Ranch homeowner insurance or auto insurance.

Dobson Ranch is one of the oldest HOA communities in the United States. At least, it is one of the largest covering a couple thousand acres. I am unsure exactly how many homes, condos and townhomes are built in the ranch but it may total around 4,000.

Obtain a quote by clicking here: Dobson Ranch Homeowner Insurance Quote

The ranch was built primarily around 1978-1980, though some construction before and after this time frame. Prior to Continental homes building here, it was a cattle farm. They say that upwards of 2,000 cattle were kept in this area.

Dobson Ranch auto insurance can be competitive too. Mesa is still a great place to buy car insurance. While it is a suburb of Phoenix we still are far enough away from the major congestion, except maybe during rush hour on the US60 or the 101.

It’s a great area managed by one of the best HOA’s in the country. You can stray outside Dobson Ranch and see neighborhoods not kept as nice.

For your Dobson Ranch homeowner insurance please call or email me. Most of the homes in the ranch are block construction and those are great to insure. As with any insurance carrier, you will be subject to an exterior visual inspection.

So when buying and shopping homeowner insurance be sure to have your home looking great when you make the switch. Your new insurance carrier will certainly have a field inspector stop by and take a few outside pictures.

Dobson Ranch is great at offering activities and events. Visit their website at and click a link titled: Ranchers Roundup. It provides a great list of events taking place, many are free to residents.

Of course, you will enjoy the lakes, walking paths, tennis courts and swimming pools too.

Don’t forget to call or email me about your Dobson Ranch homeowner Insurance!
Gary Brown, Agent/Broker
(480) 659-0229