Most Arizona homeowners are overinsured in the wrong places and underinsured where it counts. We fix that. Trailstone shops 40+ carriers to find coverage built for Arizona's real risks, at a price that makes sense. No captive agents. No sales pressure. Just the right policy.
Because working for you is not the same as working for a carrier. Every captive agent in Arizona is required to sell their company's policy, whether it fit your situation or not.
Trailstone works for you. We ask the hard questions about your home, your risk exposure, and your deductible comfort and then we go find the right answer across 40+ options.
Captive agents can only offer what their one company sells. We compare 40+ A-rated carriers side by side so you get real options, not a sale pitch.
Monsoon damage. Hail deductibles. Wildfire zones. Arizona has specific risks most standard policies handle poorly. We know which carriers actually cover them right.
Getting a better rate with Trailstone does not trigger a claim or affect your CLUE report. You can shop freely without any risk to your current coverage.
At Trailstone Insurance Group, we believe insurance. Below are some of most common questions we hear from customers. If you don't see your question here, feel free to contact us or speak directly with an agent, we're here to help.
Yes. Trailstone is licensed and actively writing home insurance policies across Arizona, including Phoenix, Tucson, Scottsdale, Mesa, and surrounding areas. We work with 40+ A-rated carriers to find coverage that fits your specific home and location.
The average cost of homeowners insurance in Arizona ranges from $1,200 to $2,400 per year depending on your home value, location, and deductible. Homes near wildfire zones or in areas with high hail frequency often pay more. Trailstone shops 40+ carriers to find the most competitive rate for your specific situation.
Most standard homeowners policies in Arizona cover wind and rain damage from monsoons, but the deductible for wind and hail can run 1 to 2 percent of your home's insured value. On a $400,000 home, that is $4,000 to $8,000 out of pocket before your policy kicks in. Trailstone reviews your deductible structure to make sure you are not caught short after a storm.