PCRG Insurance is an independent insurance agency serving Phoenix, Scottsdale, and Paradise Valley. Desert luxury demands specialized protection. We cover golf-course estates, seasonal snowbird residences, and the auto and umbrella coverage that year-round and winter residents both need.
We compare coverage from multiple carriers and build one coordinated plan for your homes, vehicles, business, and family, in Arizona and anywhere else you own property.
At a Glance
- Personal: Luxury homes, seasonal homes, condos, auto, collector cars, golf carts, boats, umbrella, and life insurance
- Business: General liability, commercial property, commercial auto, commercial umbrella, and contractors insurance
- High-value: Golf-course estates, fine art, jewelry, watches, and umbrella coverage across multiple states
Insurance We Offer in Phoenix and Scottsdale
Luxury and Seasonal Home Insurance
Coverage for primary homes, golf-course estates, and winter residences, including extended or guaranteed replacement cost, pool and casita coverage, and protection while your home sits empty for the summer.
Condo and Townhome Insurance
A condo policy (HO-6) covers your unit’s interior, belongings, and liability, plus loss assessment coverage if your HOA bills owners for a large claim.
Auto and Collector Car Insurance
Coverage for daily drivers, second vehicles kept in Arizona for the winter, and collector cars, including agreed value policies for cars bought at Scottsdale’s January collector car auctions.
Golf Cart Insurance
Homeowners policies often limit golf cart coverage to your property or the course. Carts driven on community streets or public roads usually need their own policy.
Boat Insurance
Agreed value and liability coverage for boats and personal watercraft on Lake Pleasant, Saguaro Lake, Bartlett Lake, and Lake Havasu.
Umbrella Insurance
Extra liability protection above your home, auto, golf cart, and boat policies, with every property listed if you split your year between Arizona and another state.
Life Insurance
Coverage to protect your family’s income, cover estate costs, and support business succession, coordinated with your financial advisor or estate attorney.
Business Insurance
General liability, commercial property, commercial auto, commercial umbrella, and contractors insurance for Phoenix companies, Scottsdale short-term rental businesses, and luxury home builders.
High-Value Home and Private Client Insurance
Coverage from carriers built for luxury homes and significant collections, including fine art, jewelry, and watches scheduled at appraised value.
Insurance for Snowbirds and Seasonal Residents in Scottsdale
When your home sits empty for the summer. Many policies limit coverage once a home has been vacant for more than 60 consecutive days. A leak or cooling failure can also go unnoticed for weeks. Policies written for seasonal homes ease those limits, and home watch services, water leak sensors, and automatic shutoff valves help protect your home while you’re away.
When you rent your home out. Many homeowners policies restrict or exclude short-term rentals. Owners who rent during the season often need an endorsement or a vacation rental policy. Scottsdale and Phoenix also have their own licensing rules for short-term rentals.
When you drive in two states. If you keep a car in Arizona for the winter, your policy needs to reflect where it’s garaged and driven, and it should stay protected while stored in summer.
Arizona Risks Your Insurance Should Account For
- Monsoon storms: From summer into early fall, storms bring high winds, hail, dust storms, and flash flooding.
- Flooding: Standard homeowners policies exclude flood damage, so flood coverage must be added separately.
- Extreme heat: Summer heat strains roofs, pools, and cooling systems, especially in empty homes.
- Wildfire: Homes near the desert preserves in North Scottsdale, Cave Creek, and Carefree face brush fire risk.
- Pool liability: Pools add injury risk for guests and visitors, a key reason to carry an umbrella policy.
Why Work with an Independent Private Client Agency
If you own more than one home, split your year between states, collect cars or art, or run a business, policies from separate companies can leave gaps. We compare carriers that specialize in high-value and complex households and coordinate everything in one plan.
Phoenix and Scottsdale Communities We Serve
Scottsdale and Paradise Valley
Paradise Valley, Silverleaf, DC Ranch, Desert Mountain, Estancia, Desert Highlands, Troon, Troon North, Pinnacle Peak, Mirabel, Grayhawk, Gainey Ranch, McCormick Ranch, and Old Town Scottsdale.
Phoenix and the Surrounding Valley
Arcadia, Biltmore, North Central Phoenix, Camelback East, Desert Ridge, Moon Valley, Ahwatukee, Carefree, Cave Creek, and Fountain Hills.
How to Get an Insurance Quote in Phoenix or Scottsdale
- Tell us what you want to insure. Homes, vehicles, valuables, business, or all of the above.
- We review your current coverage. We find gaps and overlaps, including property outside Arizona.
- We compare carriers. You’ll see options side by side, with coverage and cost.
- We stay with you. As your homes, vehicles, or business change, we update your coverage.
Phoenix and Scottsdale Insurance FAQs
Does PCRG Insurance Serve Phoenix and Scottsdale?
Yes. We serve individuals, families, and businesses throughout Phoenix, Scottsdale, Paradise Valley, and the surrounding Valley.
Does Homeowners Insurance Cover My Scottsdale Home While I’m Away for the Summer?
Not always. Many policies limit coverage for losses like vandalism or water damage when a home sits empty for an extended period. Policies written for seasonal homes can ease those limits.
Do I Need Flood Insurance in Phoenix or Scottsdale?
Standard homeowners policies don’t cover flood damage, and monsoon storms can cause flash flooding even outside high-risk flood zones. Many homeowners add flood coverage separately.
Is My Golf Cart Covered by Homeowners Insurance?
Often only partially. Many homeowners policies cover golf carts on your property or the course, but carts used on community streets or public roads usually need their own policy.
Does Homeowners Insurance Cover Golf Ball Damage?
Damage to your home from an errant golf ball is generally covered by your homeowners policy, subject to your deductible.
How Do I Insure a Collector Car Bought at a Scottsdale Auction?
Set up an agreed value collector car policy before the car leaves the auction, so it’s protected in transit and valued at an amount agreed on in advance.
Will One Umbrella Policy Cover My Arizona Home and My Home in Another State?
It can, if every property, vehicle, golf cart, and watercraft is listed and your underlying policies meet the umbrella’s requirements.
What Is Private Client Insurance?
Coverage designed for high-value households, typically with higher limits, broader protection, and more personalized claims service, often combining multiple homes, vehicles, umbrella, and collections in one program.
Get an Insurance Quote in Phoenix or Scottsdale
Tell us what you want to protect, and a PCRG advisor will review your coverage, show you where the gaps are, and compare options. There’s no cost and no obligation.