Serving the Valley of the Sun

Insurance Coverage
Built for Phoenix

From downtown lofts to family homes in Ahwatukee. We shop 40+ carriers to protect your Phoenix lifestyle against the unique risks of the desert.

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More Than Just a Policy.
We Are Your Local Experts.

Phoenix is the heart of Arizona, a rapidly growing metropolis that offers a unique blend of urban living and desert adventure. But living in the 5th largest city in the U.S. comes with specific insurance challenges—from heavy commuter traffic on the I-10 and I-17 to the intense summer heat that takes a toll on vehicles and homes.

At Howard Castle Insurance, we understand Phoenix. Whether you are buying a historic home in Encanto, renting a modern apartment in Roosevelt Row, or commuting from North Phoenix, we tailor your coverage to match your specific zip code and lifestyle.

Local Agents who know the Valley
Comparison of 40+ Top Carriers

Driving near Camelback Mountain in Phoenix

Comprehensive Protection

Insurance Solutions for Phoenix Residents

We bundle your policies to save you money while ensuring you have the right coverage for life in the city.

Auto Insurance

Essential for Phoenix commutes. We prioritize glass coverage for rock chips and comprehensive coverage for theft and monsoon damage.

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Home & Renters

Protecting your Phoenix property. Coverage for wind, fire, and theft, whether you own a home in Arcadia or rent a condo downtown.

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Business Insurance

General Liability, Workers Comp, and Commercial Auto for Phoenix's growing small business community.

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Why Phoenix Insurance Needs Are Unique

High Traffic Volume

With major arteries like the I-10, I-17, and Loop 101, Phoenix has high accident rates. We recommend higher liability limits to protect your assets in multi-car pileups.

Monsoon Season

Phoenix monsoons bring flash floods and falling trees (Habub dust storms). Comprehensive coverage is vital to cover water damage or debris hitting your vehicle or home.

Glass Damage

Constant construction on Phoenix highways means rock chips are inevitable. We almost always recommend $0 deductible glass coverage for Phoenix drivers.

Auto Theft Rates

Certain areas of Phoenix have higher rates of vehicle theft. We check these statistics to ensure your comprehensive deductible makes sense for your zip code.