Insurance Shopping — Your Way
Insurance shopping can be confusing, frustrating, time-consuming and “salesy.” Let's change that.
Auto, home, life and everything in between — across 40+ companies, all of Arizona.
Four common questions.
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, where the water exclusions sit, and scheduling anything valuable enough to need its own line.
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.
Flood
Excluded from every standard home policy, so it takes a separate one. Worth more attention here than people expect — most of what floods in the Valley is storm runoff with nowhere to go, not a river.
Umbrella
Liability that sits on top of your auto and home limits and takes over when they run out. Per dollar of protection, usually the least expensive thing you can buy.
Toys
RVs, boats, motorcycles, ATVs and trailers. Generally on their own policies with their own rules, and frequently underinsured.
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
We hop on a call, answer your questions, make any changes you'd like, then go over final numbers. You make the decision.
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.
What clients say.
“I am so thankful for Cameron. I really love the fact that he reaches out to his customers in person when their policies are ready to terminate. He is always looking for a better rate! I have never had an agent ever do that before for me.”
Debbie S.
“He’s very thorough in his research and can actually explain things in layman’s terms so it makes insurance lingo understandable.”
Cortney C.
“Our family has used Cameron for several years and we’ve had a great experience with him. He’s proactive and shops our policies every year before they renew to make sure we’re getting the best price. He’s also super quick to respond to my emails or phone calls whenever I have questions or need help. I’d highly recommend him!”
Jennifer M.
“Cameron has set up new policies for our home and vehicles. Saved us a considerable amount of money. Very easy transition. I have referred his contact information to friends and coworkers.”
Terry C.
“I’ve had Cameron as my insurance agent for over 4 years … He always takes the time to explain policies in simple terms, making it easy to make the right decisions … I’ve referred family and friends to him because of my confidence in his expertise.”
Melissa B.
Cameron Hart
Born and raised in the Valley, I've been a licensed independent insurance agent since 2016. Based in the East Valley, my clients are spread across Arizona, with a majority in the Valley including Mesa, Queen Creek, Gilbert, Chandler, Phoenix, Scottsdale, Peoria, Glendale, Goodyear, Avondale and Buckeye, among others.
Being independent means I'm appointed with more than 40 insurance companies rather than employed by one, so I can put your unique situation 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. I always try to give you the best options and information so you have a clear picture to make the best decision for you.
Whether you stay with your current setup, switch, or a combination, I am happy to help guide you through the process.
Four 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.