Built by Arizona insurance professionals, for Arizona homeowners.
AZ Homeowners Insurance is the Arizona home-focused division of Contractors Choice Agency — founded in 2005 by Josh Cotner in Chandler, AZ. We know Arizona's homeowners market because we've been in it for 20 years.
- Licensed in Arizona
- Founded 2005 — 20+ years
- Arizona home insurance specialists
- 15-minute quote turnaround
- Same-day claims contact
- A.M. Best A+ carrier partners
Founded in Arizona. Built for Arizona homes.
Josh Cotner founded Contractors Choice Agency in Chandler in 2005. Over 20 years we've seen every challenge Arizona homeowners face — monsoon claims, wildfire interface underwriting, carriers exiting the state, and the coverage gaps that show up at claim time.
Contractors Choice Agency founded in Chandler, AZ
Josh Cotner opens CCA in Chandler — built to provide honest, expert insurance guidance for Arizona businesses and homeowners.
Expanded Arizona homeowners division
After insuring hundreds of Arizona homes, CCA builds a dedicated homeowners division focused on AZ-specific risk: monsoon, wildfire, extreme heat, and specialty coverage needs.
AZ Homeowners Insurance — statewide coverage
Serving Phoenix, Scottsdale, Tucson, Chandler, Flagstaff, Prescott, and every Arizona market — with 12+ carriers compared for every quote.
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Arizona homeowners insured
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Years insuring Arizona homes
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Average quote turnaround
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Carriers compared for every quote
Four things we won't compromise on.
Arizona-first expertise
We know Arizona's homeowners market — monsoon season claims, wildfire interface underwriting, carriers tightening in the Valley, and the rebuild-cost gaps that leave homeowners underinsured.
Coverage that closes the gaps
Flood exclusions in standard policies, pool liability, dwelling underinsurance, personal property sub-limits — we check all of it before you need it.
A-rated carriers only
We shop 12+ carriers with strong financial ratings and fair claims handling — so when a monsoon event or wildfire hits, your claim gets paid.
Honest, no-pressure advice
If you don't need a coverage line, we'll tell you. We earn long-term clients by being straight about what your Arizona home actually requires.
Ready to protect your Arizona home?
Get a 15-minute quote from specialists who understand Arizona homeowners insurance — monsoon flood risk, wildfire interface underwriting, pool liability, and dwelling rebuild costs in Arizona's construction market.