Rated 4.8 out of 5.0 by Phoenix homeowners
Home Insurance Agency in Phoenix
An independent Phoenix home insurance agency comparing 10+ top-rated carriers to protect your home for less — homeowners, condo, mobile & manufactured home, and rental property coverage. Get your free quote in minutes.

4.8★
86+ Google reviews
30+ yrs
Serving AZ since 1996
10+
Top carriers compared
Independent
We work for you.
Licensed
Arizona
Your local home insurance agency in Phoenix.
Reviewed by Sir Maple • Licensed Arizona Insurance Agent • Updated August 2026
Phoenix homeowners choose Rate Crushers because we bring the experience and reliability you need when it matters most. As an independent agency, we shop 10+ carriers so you get dependable protection at a price that fits your budget — for your house, condo, mobile or manufactured home, and rental property.
Phoenix Home Insurance: Key Takeaways
- ✓Rate Crushers is an independent home insurance agency in Phoenix, AZ, comparing 10+ top-rated carriers since 1996.
- ✓We insure it all — homeowners, condo (HO-6), mobile & manufactured homes, and rental/landlord property.
- ✓Independent means we shop 10+ carriers to protect your home for the lowest available rate.
- ✓Bundling home and auto is often the single biggest discount available. [1]
- ✓Se habla Español. Free home insurance quotes online or at (602) 975-0944 — no obligation.
Sources: [1] Insurance Information Institute (III.org).
A simplified way to shop Phoenix home insurance
Request a quote
Start your quote online or give us a ring to chat live.
Discount check
We’ll gather some basic info and uncover all possible discounts.
Select a plan
We’ll compare rates to find a plan that meets your needs and budget.
HO-6 COVERAGE
Condo Insurance in Phoenix
Condo insurance in Phoenix — an HO-6 policy — covers what your HOA’s master policy doesn’t: your interior walls, fixtures, upgrades, personal belongings, and liability. Rate Crushers compares 10+ carriers to find the right HO-6 coverage at the lowest price.
We’ll review your HOA’s master policy so you’re never over- or under-insured, and bundle it with your auto for extra savings.


SPECIALIZED COVERAGE
Mobile Home Insurance in Phoenix
Mobile homes have unique risks, so they need specialized coverage — not a standard homeowners policy. We insure single- and double-wide mobile homes across Phoenix, protecting your structure, belongings, and liability against fire, storms, theft, and more.
As an independent agency, we shop carriers that specialize in mobile homes to get you the best possible rate.
BUILT FOR AZ
Manufactured Home Insurance in Phoenix
Manufactured home insurance protects factory-built homes on owned or leased land. Coverage can include the home itself, attached structures, personal property, and liability — plus protection for Arizona’s monsoon, wind, and hail damage.
We compare specialized manufactured-home carriers so you get complete protection at a price that fits your budget.


PROTECT YOUR INVESTMENT
Rental Property & Landlord Insurance in Phoenix
Own a rental in Phoenix? Landlord insurance — a DP-3 dwelling policy — protects your investment property, lost rental income, and liability, coverage a standard homeowners policy won’t provide once you rent it out.
Whether you own one rental or a whole portfolio, we’ll build landlord coverage that protects your cash flow and your assets.
We make shopping for insurance quick & painless
Ready to get started? Our Phoenix team will go to work comparing carriers to find a plan that meets your needs and budget.
What the people of Phoenix are saying
EXCELLENT
Based on 19 reviews
Posted on Google![]()
Sarah UriosteguiTrustindex verifies that the original source of the review is Google.
I give a 5 star to MR.SIR , he’s has helped me with a lot !! Thank youPosted on Google![]()
MeggieTrustindex verifies that the original source of the review is Google.
For weeks and weeks and weeks I was trying to get insurance talking to people and doing it online with no avail mostly overpriced or getting me all the way to the point of paying and then saying sorry we cannot help you due to it not at fault accident the employee, sir was kind. He was informational personable and didn’t settle for just one insurance price. He got me the best deal.and he got me insured in less than 20 minutes. I recommend this Like this insurance company crushers to anyone and especially that Recommend employee “Sir”. Thank you for your Help Recommend Go in getting in my car insured!!!!’ Actually stated at the end, thank you you saved my life and it’s probably true financially at least. Yours truly, MegPosted on Google![]()
Michael LyonsTrustindex verifies that the original source of the review is Google.
Rate Crushers absolutely lived up to their name. They were able to reduce my company’s insurance costs by more than $1,000 per year, which is a significant savings without sacrificing coverage. The process was efficient, transparent, and handled with a high level of professionalism from start to finish. A special shoutout to Sir Maple, your expertise and service were excellent and truly made the difference. I look forward to bringing you additional business in the very near future and would highly recommend Rate Crushers to anyone looking to optimize their insurance costs.Posted on Google![]()
Cedrick EdwardsTrustindex verifies that the original source of the review is Google.
They got me a great deal on my car insurance. Very professional and helpfulPosted on Google![]()
Ecaterina BurtonTrustindex verifies that the original source of the review is Google.
This is my first ever Google review, but Sir Maple deserves it for giving me a really great car insurance quote at a time when I needed it. I’ve been a good driver most of my life, but I had a series of small minor accidents that caused my decades-long car insurance company kick me off their insurance rolls. When I was searching for replacement car insurance, I happened to call Sir Maple and he gave me the most affordable quote I could find out of any other competitor. I had this auto insurance for 3 years without incident and with easy auto-payments. Finally my former insurance accepted me back, so I told Sir that I appreciated how his office helped me in a really rough patch. I really recommend working with Sir Maple to get auto insurance, especially if you’ve been turned down by other places or being charged an exorbitant amount.Posted on Google![]()
Alvin CoxTrustindex verifies that the original source of the review is Google.
Best customer service i had in years...very professional...Posted on Google![]()
CONSTANCE350Trustindex verifies that the original source of the review is Google.
I saved quite substantially with your prices of Rental Insurance
Visit our Phoenix office
Rate Crushers Insurance Brokers
5843 W Indian School Rd, Phoenix, AZ 85031
(602) 975-0944
Phoenix Home Insurance FAQ
A standard homeowners policy covers your home’s structure, personal belongings, liability, and additional living expenses. In Arizona it typically includes wind, hail, and fire — ask us about flood coverage, which is separate.
Yes. We write HO-6 condo policies, specialized mobile and manufactured home policies, and standard homeowners — all compared across 10+ carriers to find your lowest rate.
If you rent out a property, a landlord (DP-3) policy protects the dwelling, lost rental income, and liability — a homeowners policy won’t cover a rental. We’ll set you up correctly.
It varies by home value, age, roof, and location. As an independent agency we compare 10+ carriers to find your lowest rate — get a free quote online or at (602) 975-0944.
Yes — se habla Español. Our bilingual team helps you protect your home in the language you’re most comfortable with.

Sir Maple — Rate Crushers Insurance Brokers
Sir Maple has helped Phoenix families and businesses find the right coverage since 1996. As an independent agency, Rate Crushers compares 10+ top-rated carriers — including Safeco, Allstate, Travelers, and Nationwide — to secure the best price on homeowners, condo, mobile & manufactured home, and landlord insurance across Arizona. Se habla Español. Call (602) 975-0944 or start a free quote online.
Get your free Phoenix home insurance quote today
See how much you could save with an independent broker on your side. No obligation, no pressure.