Jodi MorrisAZ License 1461741First licensed in Arizona in 2001Property, Casualty and LifeServing Phoenix and the East Valley
Phoenix is my home base, and I was first licensed as an Arizona insurance agent in 2001. Whether you're sorting out coverage for a business, a home and a car, or your family's future, tell me what's going on. I'll explain your options in plain words and help you pick the next step that fits.
Downtown Phoenix at night. Photo: Downtown Phoenix Skyline Lights.jpg by Alan Stark, CC BY-SA 2.0, cropped.
If you're comparing insurance agents in Phoenix, start with the risks that come with living and working in this city: car theft well above the state rate, monsoon flash floods that a standard home policy leaves out, and a city that taxes business activity without issuing a general business license. I'm based in Phoenix, and each of those shapes the questions worth asking before you buy or renew.
According to the FBI's Crime Data Explorer, Phoenix police reported 5,930 motor vehicle thefts in 2025, a rate of 351.2 per 100,000 residents against 183.3 for Arizona as a whole. A stolen car is usually a comprehensive coverage question, not a liability one, so it's worth checking that your policy carries it.
Source: FBI Crime Data Explorer, Phoenix
NOAA's Storm Events Database logged 30 flash flood reports around Phoenix from 2021 through 2025. FEMA's FloodSmart program notes that most homeowners policies do not cover flood. According to OpenFEMA data, Phoenix has 3,253 active flood insurance policies, 1,941 of them in mapped high-risk zones. You can look up your own address on FEMA's flood map before you decide.
Sources: NOAA Storm Events Database, FEMA FloodSmart, OpenFEMA flood policies, FEMA flood map
The City of Phoenix does not issue a general business license; it regulates certain activities instead. Businesses that owe the city's privilege (sales) tax need a privilege tax license, which the City of Phoenix lists at $50.00 for the first year. Neither one settles general liability, commercial property or commercial auto, which a lease or a client contract will often ask about.
Sources: City of Phoenix license services, Phoenix privilege tax license fees
Phoenix's median age is 34.9, according to the Census Bureau's American Community Survey. That's a city full of people with a new mortgage, young kids or both, which is usually when term life insurance gets its first serious look.
Source: Census Bureau, median age
Theft above the state rate and monsoon flooding are the two Phoenix questions to ask before you renew. Home and auto coverage, explained
With no general city license to point the way, coverage is easy to overlook until a lease or a contract asks for proof. How business insurance works
A young city with a lot of mortgages and kids, where term coverage usually comes up first. Life insurance in plain words
Not sure which of these fits your situation? Ask me, and I'll walk you through it.
Sources: 2022 Economic Census, Phoenix, ARS 28-4009
Yes. Jodi Morris is a licensed Arizona insurance agent based in Phoenix (AZ License 1461741, first licensed in 2001). Her license covers Property, Casualty and Life, so business, home and auto, and life insurance questions all fit.
Phoenix doesn't issue a general business license, though some activities are regulated and businesses that owe city privilege tax need a privilege tax license. Insurance is a separate track: a lease, a client contract or a lender often asks for proof of general liability whatever the city requires.
Usually not. Most homeowners policies exclude flood, according to FEMA, so flood coverage is a separate policy. Check your address on FEMA's flood map first, and remember that sitting outside a high-risk zone doesn't mean water can't reach you.
A business, a home and a car, or your family's future: start with what's on your mind and I'll take it from there. Or just call me.
Arizona Insurance Producer License No. 1461741 (NPN 1461741)
