Howard Castle Insurance - An IPA Agency
White Tank Mountains near Surprise AZ
Serving Sun City Grand to Marley Park

Coverage for Your
Surprise Lifestyle

Whether you are enjoying retirement on the golf course or raising a family in the growing West Valley, we have the right protection for you.

From Golf Carts to
Family Minivans.

Surprise is one of the fastest-growing communities in Arizona, offering a perfect blend of active adult living and family-friendly neighborhoods. With spring training at Surprise Stadium and the beautiful White Tank Mountains nearby, residents here are active and diverse.

At Howard Castle Insurance, we understand the unique mix of Surprise. We know that a resident in Sun City Grand needs different coverage for their casita and golf cart than a growing family in Marley Park needs for their two-story home and SUV. We tailor our services to fit your specific stage of life.

  • Golf Cart & LSV Insurance
  • Seasonal / Snowbird Home Coverage
  • New Construction Specialists
Home in Sun City Grand Surprise
Targeted Protection

Insurance for Surprise Residents

Whether you are here year-round or just for the winter, we keep your assets safe.

Golf Cart Insurance

Driving your cart to the grocery store or recreation center? You need specialized liability coverage that a standard home policy doesn't offer.

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Seasonal Homeowners

If you leave Surprise for the summer, you need "Unoccupied Home" coverage to protect against leaks or vandalism while you are gone.

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Auto Insurance

Traffic on Bell Road can be intense. We ensure you have the right liability limits to protect your retirement savings in case of an accident.

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What Surprise Residents Need to Know

The "Snowbird" Clause

If your home sits empty for more than 30 consecutive days (like during the summer), a standard policy might void coverage for vandalism or water leaks. We add a specific endorsement to keep you covered while you are away.

Street Legal Golf Carts

In Surprise, many carts are street legal. This means they require liability insurance just like a car. Relying on homeowners insurance for a cart driven on public roads is a major gap in coverage.

New Construction

With rapid growth in Asante and Marley Park, many homes are brand new. New homes often qualify for significant insurance discounts because plumbing, electrical, and roofs are up to modern code.

Car Break-Ins

As the area grows, so does petty theft. Comprehensive auto coverage is affordable and protects you if your car is broken into at a shopping center or trailhead.

Serving Surprise Communities

Sun City Grand Marley Park Rancho Gabriela Arizona Traditions Asante Sierra Montana Sterling Grove Surprise Farms

Secure Your Surprise Home

Get coverage that fits your lifestyle, whether you're retired or raising a family.

We shop top carriers including

GEICO Liberty Mutual Progressive Nationwide The Hartford National General Auto-Owners State Auto Travelers Safeco The General Mercury Acuity AmShield Stonegate Steadily Selective Root Openly West Best BTIS American Modern Aegis Homeowners of America Personal Umbrella Pie Insurance CNA Surety Branch Clearcover Commonwealth Covercube Dairyland Haggerty Johnson Johnson Insurance Lemonade Pacific Specialty GEICO Liberty Mutual Progressive Nationwide The Hartford National General Auto-Owners State Auto Travelers Safeco The General Mercury Acuity AmShield Stonegate Steadily Selective Root Openly West Best BTIS American Modern Aegis Homeowners of America Personal Umbrella Pie Insurance CNA Surety Branch Clearcover Commonwealth Covercube Dairyland Haggerty Johnson Johnson Insurance Lemonade Pacific Specialty
Get in Touch

Contact Us Today

Have questions? Need a quote? We're here to help. Reach out and let's find the perfect coverage for you.

Contact Information

Business Hours

Mon-Fri: 8:00 AM - 5:00 PM MST

Saturday & Sunday: Closed

Location

Gilbert, Arizona

Proudly serving all of Arizona

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