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Tempe
Get In Touch With Us
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Address:
1231 W Warner Rd, Suite 104
Tempe, AZ, 85284, United States -
Phone: 480-961-0101
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Fax: 916-400-2625
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Email: [email protected]
Office Hours:
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Mon-Fri: 8:00 AM – 5:00 PM
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Sat: Closed/By Appointment Only
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Sun: Closed/By Appointment Only
Languages:
- Spanish
About Tempe
Insurance in Tempe, AZ
Inszone writes insurance in Tempe, AZ from our office at 1231 W Warner Rd, Suite 104. The office sits on Warner Road in South Tempe, a few minutes east of the I-10 interchange and close to where the city runs into Ahwatukee and Chandler.
This office is Full Cycle Insurance. It has served Tempe since 2003, the team stayed through the move to Inszone, and the phone number is unchanged. Full Cycle built its book around motorcycle, ATV and watercraft policies, and that is still what this office is known for.
As an independent insurance agency in Tempe, AZ, we represent many carriers rather than one. In Arizona the property conversation is mostly hail and monsoon wind driving roof claims, with wildfire exposure in the higher-elevation communities to the north and east. When a carrier tightens its roof-age rules or reprices a ZIP after a haboob season, a captive agent has one place to go and we have several.
Personal Insurance in Tempe, AZ
For Tempe households we write homeowners and auto policies, renters and condo, landlord coverage for rental property, personal umbrella liability, and specialty lines including motorcycle, boat, RV and classic car.
Roof settlement is the term that decides what an Arizona claim is worth, and it varies more between carriers here than the premium does. Many Arizona policies now settle roof claims on an actual cash value or scheduled basis rather than full replacement cost, so the older the roof, the larger the depreciation taken off the payment. Our insurance brokers in Tempe, AZ, read those terms before you buy and can usually quote both versions side by side.
Drivers comparing car insurance in Tempe, AZ should know the state minimum is low and the optional part is the part that matters. Arizona requires 25/50/15 liability, took no PIP requirement with it, and does not mandate uninsured or underinsured motorist coverage at all — which makes UM/UIM the single most common gap we find on an existing policy.
Tempe rents more than it owns, and renters insurance in Tempe is the line we quote most often for tenants near the ASU campus and along the light rail. A renters policy is written for your contents and your personal liability, not the building, and most Tempe leases now require a liability limit in writing before you get the keys.
Owners looking at home insurance in Tempe, AZ face a narrower market than they did three years ago, particularly on tile and shingle roofs past fifteen years. It is worth starting the conversation before renewal rather than after a non-renewal notice.
Motorcycle insurance in Tempe, AZ is where this office started, and the same desk handles ATVs, side-by-sides, dirt bikes, jet skis and boats. Arizona registers a great deal of off-road equipment and a standard auto policy does not answer for it.
Life insurance, along with health and Medicare, can be quoted through our wider benefits insurance team in Tempe, alongside the property and auto policies.
Business Insurance in Tempe, AZ
For Tempe employers we place general liability, commercial property, business owner’s and commercial package policies, commercial auto and fleet, workers’ compensation, cyber and professional liability, and surety bonds. Business insurance in Tempe, AZ is written here for tenants in the Warner and Elliot corridors as well as for owner-occupied buildings.
Arizona sets no employee-count threshold for workers’ compensation. If you regularly hire workers in your customary business you need a policy from the first hire, whether that is one person or forty, and we place it alongside general liability and commercial property. Sole proprietors with no employees, true independent contractors and casual labor outside your usual course of business sit outside the requirement.
Commercial insurance in Tempe, AZ runs to contractors, light manufacturing, warehousing along the Superstition and Broadway corridors, restaurants, professional services, and the powersports dealers and repair shops this office has worked with since 2003. Class codes, certificates and the renewal calendar are handled here rather than handed back to you.
Inszone Insurance agency near me
Our Tempe insurance office is open Monday to Friday, 8:00am to 5:00pm. Call 480-961-0101, use the quote form on this page, or come by 1231 W Warner Rd, Suite 104. Se habla español — the Tempe team includes Spanish-speaking staff, and a policy review can be done in either language.
Clients looking for insurance agents in Tempe often find us from Mesa, Chandler, Gilbert and Ahwatukee as well, since Warner Road sits close to all three lines. Whether you are working out what your roof settlement clause actually says, adding UM/UIM to an auto policy, insuring a side-by-side before a trip north, or sorting out workers’ compensation for a first hire, our insurance agents in Tempe can talk through the options available for your situation.
FAQs
What are the minimum auto insurance requirements in Arizona?
Arizona requires liability limits of at least $25,000 per person, $50,000 per accident, and $15,000 for property damage — limits that took effect July 1, 2020. Arizona is an at-fault state with no PIP requirement. Uninsured and underinsured motorist coverage is not mandatory here, which makes it one of the more common gaps we find on existing policies.
Why does my policy pay less than a new roof costs?
Because many Arizona policies now settle roof claims on an actual cash value or scheduled basis rather than full replacement cost — the older the roof, the larger the depreciation. It is one of the most common surprises after a hail or haboob event. We read the roof settlement terms before you buy so you know what you are agreeing to, and we can usually quote both versions side by side.
Does my Tempe business need workers’ compensation insurance?
Almost certainly. Arizona sets no employee-count threshold: if you regularly hire workers in your customary business, you need workers’ compensation regardless of how many. Sole proprietors with no employees, true independent contractors and casual labor outside your usual course of business fall outside it.
Do you write motorcycle, ATV and watercraft insurance in Tempe?
Yes — that is what this office was built on. Full Cycle Insurance has written motorcycle, ATV and watercraft policies from Tempe since 2003, and the same desk handles side-by-sides, dirt bikes, jet skis, boats and classic cars. These are separate policies from your auto insurance, and an off-road machine trailered to Arizona state land is not something a standard personal auto form answers for. Trailer, custom parts and accessory limits are each worth asking about, because they are usually where the gap turns up.
Do I need renters insurance if I rent in Tempe?
Your landlord’s policy is written for the building, not for what is inside your unit, and most Tempe leases now require a tenant liability limit in writing. A renters policy is written around your contents and your personal liability, and it is one of the least expensive lines on the market — though what counts as enough contents coverage for a furnished apartment near ASU is worth talking through with a specialist rather than guessing at a limit.
Is this the same office that was Full Cycle Insurance?
Yes. Full Cycle Insurance has operated in Tempe since 2003 and continues from 1231 W Warner Rd, Suite 104 as part of Inszone Insurance, with the same team and the same phone number. Policies carried over. The motorcycle, ATV and watercraft focus carried over with them.
How do I get a quote from your Tempe insurance office?
Call 480-961-0101 or use the quote form on this page, and come by 1231 W Warner Rd, Suite 104 if you would rather do it in person. Have your current declarations page to hand if you can, and for commercial coverage your annual revenue, payroll by class and recent loss runs. If a carrier has sent you a non-renewal or cancellation notice, bring it — the date on it changes what options are open.
Our Tempe Team
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What Our Clients Are Saying About Us
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Melody has been super responsive and she is very knowledgeable about any questions regarding my insurance coverage. I hope she is there for a long time and I want no other agent..she is awesome!! Never had service like this before..I'm from Buffalo and my Dad used Travelers for everything for more than 40 years..I remember going with him to the office in Orchard Park where we lived many many times as a kid. Hope to be a customer for many years as well.
Cheryl Opalski Private Homeowner -
Melody was extremely professional & helpful. She was also able to save us a lot of money on our new policy and she couldn’t have made it any easier for my wife and I. We were absolutely dreading potentially having to find a new insurance company and go through the whole quote policy process, so thank you so much to Melody! You’re the best!
Anthony N/A -
Brenda was most helpful, personable and knowledgeable about changing my insurance. It was seamless and easy..thank you!
Scott Morrison N/A -
I really appreciate Brenda calling me to advise me on her handling of my policy. I compliment her and her work ethic.
Kathleen N/A
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