Insurance Services in Sedona, AZ | Howard Castle Insurance

World-Class Views,
Unique Challenges.

Sedona is unlike anywhere else on earth. But living among the red rocks and national forests presents significant insurance hurdles. Major carriers often decline coverage due to "wildfire scores," leaving homeowners scrambling.

At Howard Castle Insurance, We understand high risk and high-value markets. Whether you need coverage for a multi-million dollar custom home in The Aerie, a busy Airbnb investment property, or protection against flash floods in Oak Creek, we can check carriers that captive agencies can't.

Wildfire & Brush Fire Solutions
Short-Term Rental (Airbnb/VRBO) Insurance
Luxury Home & Estate Coverage

Luxury Home with Red Rock Views in Sedona

Specialized Coverage

Insurance for Sedona Residents

We can tailor policies for the specific risks of living in the Verde Valley.

High-Value Homes

Custom adobe, extensive glass, and unique architecture require "Agreed Value" or "Guaranteed Replacement Cost" coverage to ensure full restoration.

Check Rates

Short-Term Rental

Operating an Airbnb or VRBO? A standard home policy leaves massive gaps. We provide commercial-grade liability and loss of income coverage designed for hosts.

Get Covered

Auto & Jeep

From luxury SUVs to off-road Jeeps. We ensure your vehicle is covered whether you're parked at Tlaquepaque or exploring the backcountry trails.

Check Rates

Sedona Insurance Essentials

Extreme Wildfire Risk

Many Sedona neighborhoods are in "Extreme" wildfire zones. Big carriers have non-renewed thousands of policies here. We have access to the "Excess & Surplus" market to ensure you stay insured.

Flood Insurance (Oak Creek)

If your property is near Oak Creek, flood risk is real. Flash floods can rise rapidly. Standard home policies exclude flood damage. We can help you navigate FEMA maps and private flood insurance options.

Vacation Rental Liability

Sedona hosts millions of tourists. If a guest slips by the pool or starts a fire, your liability exposure is huge. Specific "Short-Term Rental" policies are mandatory to protect your assets from guest-related lawsuits.

Tourist Traffic & Accidents

Roundabouts and tourist traffic on Hwy 89A increase the risk of minor accidents. We recommend lower deductibles and comprehensive coverage to handle fender benders with distracted visitors.