Jodi MorrisAZ License 1461741First licensed in Arizona in 2001Property, Casualty and LifeServing Phoenix and the East Valley
I'm Jodi Morris, first licensed as an Arizona insurance agent in 2001. Queen Creek has grown fast, so a lot of the homes, mortgages and home businesses here are new at the same time. Tell me what you're covering and I'll help you sort out what to look at first.
An olive grove in Queen Creek, with the San Tan Mountains behind. Photo: Olive grove of the Queen Creek Olive Mill.jpg by Beyond My Ken, CC BY-SA 4.0, cropped.
Shopping for insurance in Queen Creek, AZ? Start with how new everything is. According to the Census Bureau, Queen Creek more than doubled in population between 2010 and 2020, and most of its homes were built in 2010 or later. New houses, new mortgages and new home businesses each bring their own coverage questions.
According to the Census Bureau, 58.4% of Queen Creek housing units were built in 2010 or later, the median home dates to 2012, and the median owner-occupied value is $635,400. A newer roof and newer systems help, but a dwelling limit set to the price you paid can still fall short of what a rebuild would cost, so check it against today's building costs.
Sources: Census Bureau, year built, Census Bureau, home value
The Town of Queen Creek requires a license for every business located or doing business in town, one per location, and a home-based business needs one as well. The town lists a new license at $60, good for 12 months. The license makes the business legal to run; it does nothing for a client who trips on your front step or the tools stolen from your truck.
Sources: Town of Queen Creek business licenses, Town of Queen Creek home-based business
The Town of Queen Creek notes that a Queen Creek postal address does not necessarily mean a home is inside town limits, and it cannot issue a home-based business license to someone living in unincorporated Pinal County. When you get insured, give the property's actual location: which town or county it sits in decides whose license rules apply, and FEMA's flood map is read by address, not by mailing city.
Sources: Town of Queen Creek home-based business, FEMA flood map
According to NOAA's Storm Events Database, hail up to 1 inch across fell in Queen Creek in July 2021 and again in October 2022, and the SRP weather station at Rittenhouse measured a 61 mph gust during a July 2021 storm. Hail dents on a car parked in the driveway are a comprehensive coverage claim, which Arizona doesn't require you to carry.
Source: NOAA Storm Events Database
Newer homes worth more than they were a few years ago, two or more cars per household, and hail that dents whatever is parked outside. Home and auto coverage, explained
A town license that reaches home businesses, and the liability coverage that license doesn't provide. How business insurance works
Plenty of new mortgages and young families, which is usually when term life gets a real look. Life insurance in plain words
New house, new business or a longer drive in Queen Creek? Ask me where to start.
Sources: FBI Crime Data Explorer, Queen Creek, Census Bureau, travel time, Census Bureau, vehicles per household, OpenFEMA flood policies
Yes, if your home is inside town limits. The Town of Queen Creek requires a license for home-based businesses, and it notes that a Queen Creek mailing address doesn't always mean you live in town. Homes in unincorporated Pinal County follow the county's rules instead.
No. A builder's warranty covers defects in how the house was built, for a set period. Homeowners insurance covers sudden losses like fire, theft and wind damage, and your lender will ask for it at closing.
Hail damage to a car falls under comprehensive coverage, which is optional in Arizona. If you only carry liability, the dents from a hailstorm are yours to pay for.
The new house, the cars in the driveway or the business in the spare room: start with whichever is on your mind. Or just call me.
Arizona Insurance Producer License No. 1461741 (NPN 1461741)
