Sedona Insurance Agency — Cottonwood, AZ

Yes. Sedona and Northern Arizona is our home market, but we are licensed in all 50 states. We regularly insure Sedona residents' second homes, investment properties, and business interests in other states — and we coordinate everything under one program.

Typically 15 minutes on a call. Coordinated multi-line personal or commercial programs may take a bit longer as we shop the right markets, but we move fast and set expectations up front.

Often yes. We have admitted and surplus-lines markets for clients with prior losses, non-renewals, or properties in high wildfire-risk areas. Bring us your situation and we'll find a market — and explain your options honestly.

Usually yes. A coordinated bundle — home + auto + life, plus umbrella and business coverage where relevant — closes gaps, is typically 10–25% cheaper than separate policies, and is far easier to manage at claim and renewal time.

A.M. Best ratings reflect a carrier's financial strength and ability to pay claims. We place coverage with A-rated (and A.M. Best A+ where possible) carriers so the coverage is there when a wildfire, a monsoon flood, a serious accident, or a liability claim hits.

Yes. Condo and townhome coverage (HO-6) protects your unit, personal property, and liability beyond what the HOA's master policy covers. Renters insurance (HO-4) covers your belongings and liability for a fraction of the cost. Both are common needs in Sedona's mixed housing market.

Yes. We write coverage for motorcycles, RVs, ATVs, UTVs, and other off-road and recreational vehicles common to Northern Arizona's outdoor lifestyle. These are typically written as policies or endorsements separate from a standard auto policy and can be bundled into a single program.

For home: address, year built, square footage, construction, and any prior claims. For auto: drivers, vehicles, and driving history. For life: age, health, and coverage goals. For business: operations, payroll, property, and vehicles. For health: household size, income (for subsidies), and preferred doctors. The more detail, the more accurate the quote.

Yes. We help Sedona small businesses — galleries, tour operators, restaurants, professional service firms — set up group health, dental, vision, and supplemental benefits for their employees, including SHOP marketplace options and level-funded plans for growing teams.

We help clients prepare before wildfire season (documentation, dwelling-limit reviews, evacuation checklists) and respond fast during and after an event. When a claim hits, you reach a Sedona-based person who knows you — not a queue — with a 2-hour response commitment and hands-on help through to settlement.

Yes — and we encourage it. Many new Sedona clients arrive underinsured on dwelling replacement cost, with auto limits too low for Arizona's exposure, or with gaps in flood or umbrella coverage. A free policy review takes about 30 minutes and often surfaces real savings alongside better protection.

Yes. If you own a primary residence in Sedona, a cabin in Flagstaff, and a rental property in another state, we coordinate all three under one program with a single umbrella above them — no gaps between carriers or policies.

We're local, independent, and multi-carrier. You work with a Sedona-based agent who knows the community, the climate, and the carriers — not a scripted rep reading from a screen. We shop your coverage across competing A-rated markets and advocate for you, not the carrier.