Insurance Shopping — Your Way
I have learned when you have good communication, experience, and access to a large number of insurance companies, the right agent is obvious.
Whether you switch everything to us, stay where you're at, or something in between, I am happy to help.
Insurance shopping can be confusing, frustrating, time-consuming and “Salesy.” Let's change that.
The four questions I get asked most.
Short answers here. Longer ones in the notes.
Why did my premium go up when nothing changed?
Your rate isn't only about you. Companies price on their whole book — repair costs, medical costs, weather losses, and what they're paying out across your area. When those rise, rates follow even for a clean record.
Appetite shifts too. A company that wanted your type of risk three years ago may not want it now, and that arrives as an increase rather than a phone call.
Read the longer version →Am I covered for this?
Usually answerable in a couple of minutes with your declarations page in front of us. The ones that come up most: roof settlement, water damage, a teen driver, a rental car, something stolen from the garage.
Water is the one that surprises people most often — a burst pipe, a slow leak, and water coming in from outside are three different things to an insurance company, and the last one generally needs a separate flood policy.
Read the longer version →How much do I actually need?
On auto, the number that matters is your liability limit — what's available if you're at fault in a serious accident. Most people set theirs years ago. It's usually among the cheaper things on a policy to raise.
On home, your dwelling limit should reflect what it costs to rebuild, not what the house would sell for. Those two numbers drift apart, and the gap tends to surface at claim time.
Read the longer version →Is this online quote too good to be true?
It could be, but I won't know until I look at it. Sometimes there are discounts applied that will fall off at renewal. Sometimes coverages were removed, or never added in the first place.
And sometimes it's just a good deal. Being appointed with 40+ companies means I've seen all three, and I'll tell you which one you're holding.
Read the longer version →What I can help with.
Auto
Liability, collision, comprehensive, uninsured motorist. Multiple vehicles, teen drivers, and the limits question above.
Home
Homeowners, condo, renters and landlord policies. Dwelling limits, roof settlement terms, and where the water exclusions sit.
Life
Term life, mostly. How long you need it, how much makes sense for the people who depend on you, and what it costs a month.
What actually happens.
You share what you have
The fastest way is a secure link that pulls your current policy straight from your insurance company — about a minute, read-only, and it changes nothing on your account. Or send me the declarations page, or a photo of it. If you're starting from nothing, that's fine too.
Share your policy securely →I read it and shop it
Line by line against your actual risk, across the companies in my book that will write it.
You get it side by side
A written comparison of what you have now against what I found, coverage by coverage — including anywhere the new option is weaker, and why.
We talk it through
Never just an email, never just a call. Either I send the comparison and we go through it on the phone, or I record a short video walking you through it and send both.
What happens at renewal.
Most people never hear this part explained, so here it is.
I review it
Not a sample and not just the big ones. Every renewal that comes up gets looked at, by me.
I re-shop it
A significant increase gets run back across my companies automatically. You don't have to notice it or ask.
I call you
Whether there's something to change or nothing at all, you get a phone call about it. Not an email you might miss.
Cameron Hart
I've been a licensed insurance agent since 2016 and Hart Insurance is my agency, based in Gilbert. Most of my clients aren't — they're spread around the Valley in Mesa, Chandler, Queen Creek, Tempe, Scottsdale and out through the West Valley. I'm licensed across Arizona, so where you live usually isn't the limiting factor.
Being independent means I'm appointed with more than 40 insurance companies rather than employed by one, so I can put your risk in front of all of them and compare what comes back.
I'd rather ask a few more questions than assume I know what matters to you. Most of this job is explaining tradeoffs clearly enough that the decision is an easy one to make — yours to make, not mine to push.
Whether you stay with your current setup, switch, or do a hybrid, my only goal is to help.
Three ways to start.
Send over your policy and I'll read it and come back with a written comparison. The secure link below is the quickest way — it pulls your coverage from your insurance company so you don't have to go find it.
Or just ask a question. You don't need to be shopping for anything.