Bruce
13540 W. Hitt Wash Rd., Prescott, AZ 86305
View this agency's profile to learn more about their services.
Loading...
City directory
Prescott households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
13540 W. Hitt Wash Rd., Prescott, AZ 86305
View this agency's profile to learn more about their services.
901 W Gurley St, Prescott, AZ 86305
View this agency's profile to learn more about their services.
400 White Spar Rd, Prescott, AZ 86303
View this agency's profile to learn more about their services.
S Arizona Rd, #69, Prescott, AZ 86303
View this agency's profile to learn more about their services.
1965 Commerce Center Cir, Ste B, Prescott, AZ 86301
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Prescott residents.
Prescott insurance guide covering auto rates ($103/mo avg), wildfire home insurance challenges, and local agents. Get coverage in Arizona's mile-high city.
Home InsurancePrescott home insurance averages $2,437/year, but wildfire risk drives 12-18% annual increases. Get coverage tips for Victorian homes & WUI zones.
Car InsurancePrescott auto insurance guide: Arizona's 25/50/15 requirements, average rates of $1,154/year, at-fault system, and coverage for AZ-89 driving conditions.
Prescott's location in a high-risk wildland-urban interface zone drives up home insurance costs significantly. Properties near Granite Mountain, Thumb Butte, and Williamson Valley face particular scrutiny from carriers. Between 1990-2020, homes in Yavapai County WUI zones increased 126%, and many insurers have responded by raising premiums 12-18% or more, increasing wildfire deductibles to $5,000-$10,000, or non-renewing policies entirely.
Arizona requires minimum liability coverage of 25/50/15: $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 for property damage. You must provide proof of insurance within 30 days of vehicle registration. Driving without required insurance can result in fines, license suspension, and SR-22 filing requirements.
Focus on wildfire mitigation to qualify for 5-15% premium discounts. The Prescott Fire Department offers matching grants up to $500 for brush-clearing and ladder-fuel removal. Create defensible space around your property, use fire-resistant landscaping, and document your mitigation work. Living in a Firewise USA recognized community also helps you qualify for carrier discounts.
Non-renewals are increasingly common in Prescott's wildland-urban interface zones. Work with a local agent who has relationships with multiple carriers, including surplus lines insurers who specialize in higher-risk properties. You may face higher premiums and deductibles, but coverage is usually available. Demonstrating property mitigation efforts significantly improves your options.
Prescott drivers pay less than most of Arizona. Average auto insurance in Prescott runs about $103 per month, compared to $121 in other Arizona areas and $170 nationally. Mercury Insurance typically offers the lowest rates around $82/month, with State Farm and USAA close behind. Prescott's lower population density and older driver demographic contribute to these favorable rates.
While Prescott isn't in a traditional flood zone, monsoon season can bring intense rainfall that causes localized flooding and water damage. Standard homeowners policies exclude flood damage entirely, so you'd pay out-of-pocket for any flood-related repairs. Flood insurance through the National Flood Insurance Program is relatively inexpensive outside high-risk zones, typically $400-700 annually, making it worth considering for comprehensive protection.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network