American Family Insurance · AZ

Arizona Insurance

Auto, home, life, and commercial coverage for Arizonaresidents. Nelson & Associates is a licensed American Family Insurance agency serving Phoenix, Tucson, Mesa, and every corner of AZ.

Cities We Serve in Arizona

Remote-first and licensed statewide — we serve clients across all of Arizona.

Arizona Insurance — FAQ

Common questions from Arizona residents about coverage, costs, and requirements.

What car insurance is required in Arizona?

Arizona requires 25/50/15 liability coverage. Arizona is a fault state. Uninsured motorist coverage is optional but strongly recommended.

Does homeowners insurance cover monsoon damage in Arizona?

Yes — wind, hail, and lightning from monsoon storms are covered under a standard homeowners policy. Flood damage is separate and requires NFIP or private flood insurance.

Is life insurance more expensive in Arizona?

No — life insurance rates are based on age, health, and coverage amount, not state of residence. Arizona residents pay the same rates as any other state.

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