An Independent Agency Built for Sun Lakes

Sun Lakes, AZ is a genuinely different kind of place to insure a home. It's an active-adult community built around five golf courses and their HOAs — Sun Lakes Country Club, Cottonwood, Palo Verde, Ironwood, and Oakwood — where a large share of residents split their year between here and somewhere else, where golf carts are a genuine mode of transportation, and where the desert monsoon shows up every summer whether you're in town or not.

National call-center insurers write policies for a generic homeowner. We built Sun Lakes Insurance — operating under Contractors Choice Agency's Arizona license — to actually understand the coverage gaps that show up specifically in this market: vacancy clauses that catch snowbirds off guard, HO-6 confusion for new villa owners, and golf cart liability that most homeowners policies simply don't address.

As an independent agency, we're not selling one company's product — we compare carriers on your behalf and walk you through the real differences, in plain language, with no pressure.