About the Agency
Built for the market everyone else finds too complicated
Sedona is a town of wildfire scores, monsoon washes, million-dollar adobe homes, and eleven hundred vacation rentals. We built an independent agency around exactly that.
Why We Exist
National call centers keep getting Sedona wrong
Try explaining a canyon-edge lot to a quoting script. Try telling an out-of-state adjuster that your street was under a GO evacuation order while the Pocket Fire crested the ridge, or that the city won't renew your STR permit without a $500,000 liability certificate. Sedona's insurance needs are specific, and the generic machine handles specific badly.
Sedona Insurance Agency exists to be the opposite of that machine. We're an independent agency — we represent multiple carriers, including the specialty and surplus-lines markets that matter enormously in a state with no FAIR Plan. When a carrier retreats from red-rock country, our job is knowing who hasn't.
We serve the whole Verde Valley: Sedona on both its county sides, Oak Creek Canyon, the Village of Oak Creek, Cottonwood, Cornville, Clarkdale, and Camp Verde. Different towns, very different risk profiles — and we quote them accordingly.
“Independent” is the whole business model
A captive agent is paid to place you with one carrier whether it fits or not. We get paid when coverage fits well enough to keep — which is why we'll tell you when bundling is wrong, when surplus lines beats admitted, and when the policy you have is the one you should keep.
How We Work
Three commitments on every policy
Coverage before price
We show the differences between quotes line by line, then talk price. A cheap policy that denies a wildfire ALE claim isn't cheap.
Local fluency
WUI scoring, burn-scar flood maps, STR ordinance, dark-sky rebuild rules — we speak the local dialect of risk fluently.
Advocacy at claim time
The policy is a promise; claims are where it's kept. We stay in the file — pushing, translating, and escalating when carriers slow-walk.
Local Expertise
The knowledge that changes outcomes
Wildfire placement
Slide, Rafael, Pocket — each fire reshaped carrier appetite. We track who still writes WUI homes and what mitigation gets credited.
Monsoon & flood
The 2023/2024 Oak Creek flood-map changes, NFIP waiting periods, burn-scar debris flow — deliberate answers, not surprises.
STR compliance
City Ch. 5.25 permits, $500K liability certificates, TPT licensing, and policies that survive a real guest claim.
High-value homes
$515-per-square-foot rebuild math, guaranteed replacement cost, private wildfire response, second-home occupancy done right.
One Valley, Many Markets
We quote the Verde Valley the way it actually is
Seven communities, two counties, and half a dozen distinct risk profiles. Here's how we think about each one.
Sedona
The hardest — and most interesting — placement in the valley. WUI wildfire scoring against the Coconino forest boundary, a $1.25M median sale price that pushes homes into high-value territory, dark-sky and design-review rules that inflate rebuild costs, and both Coconino and Yavapai county flood maps in one city. Nearly every Sedona quote deserves a conversation, not a form.
Village of Oak Creek
Bell Rock views and the same perimeter wildfire exposure as Sedona proper, with a heavy concentration of vacation rentals and second homes. Occupancy accuracy — primary, seasonal, or STR — is the underwriting question that decides whether a VOC policy holds up at claim time.
Oak Creek Canyon
The canyon is the valley's most concentrated risk stack: the Slide Fire burned it in 2014, the Pocket Fire evacuated it in June 2026, and the burn scar above it now carries active flash-flood warnings. Cabins and creekside homes here need wildfire placement and flood coverage engineered together.
Cottonwood
The valley's workforce hub — more attainable housing, older stock that raises roof-age and systems questions, and a growing landlord market housing the people who staff Sedona's tourism economy. Solid admitted-market territory with underwriting details that reward accuracy.
Cornville & Page Springs
Rural lots, wells and outbuildings, horse property, and Oak Creek frontage through the wine corridor. Other-structures coverage and floodway awareness matter more here than almost anywhere else in the valley.
Clarkdale & Camp Verde
Historic housing in Clarkdale — including early-1900s smelter-town stock — and Verde River floodplain exposure in Camp Verde. Both towns quote well when the home's updates are documented; both punish guesswork.
Come Prepared
What makes a quote fast and accurate
Fifteen minutes of good information beats three rounds of back-and-forth. If you have it, bring it — and if you don't, we'll work with what you have and tell you exactly what's worth digging up.
- Current declarations pages for every policy you hold
- Roof age and material — photos help, invoices are gold
- Updates to plumbing, electrical, and HVAC with rough dates
- Any wildfire mitigation: defensible space, vents, a Fire Safe Sedona assessment
- STR permit number and booking platform, if the property hosts guests
- A non-renewal or cancellation notice, if that's what brought you here
Licensed in Arizona
Regulated by the Arizona Department of Insurance and Financial Institutions (DIFI).
Verde Valley coverage
Sedona, Oak Creek Canyon, VOC, Cottonwood, Cornville, Clarkdale, and Camp Verde.
Talk to a person
844-967-5247 — or josh@contractorschoiceagency.com if you'd rather write.
Ready for coverage that understands Sedona?
One conversation, multiple carriers compared — including the specialty markets that write red-rock country.