Join Our Homeowners Insurance Community
When you choose our insurance, you're not just a policyholder; you're part of a community. Connect with other homeowners, share experiences, and gain valuable insights into home protection. Together, we're building a safer, more secure future for everyone.
Shopping for insurance can be overwhelming and time-consuming! With countless options, confusing terms, and fluctuating rates to navigate, it's no wonder so many people get it wrong. Let us help!
About us
Our mission is simple yet profound: to provide families with the protection they deserve at prices they can afford, year after year. We understand that a home is not just a physical structure; it's where memories are made, and dreams are realized. That's why we've made it our responsibility to ensure that your home remains a place of safety and comfort, no matter what life throws your way.
Insurance Services
Home
Protect your most valuable asset with comprehensive home insurance tailored to your needs. Our home insurance policies provide coverage for your home, belongings, and liability, safeguarding you from unexpected events like fire, theft, natural disasters, and more. With access to multiple carriers, we ensure you get the best coverage at the most competitive price, giving you peace of mind knowing your home and everything in it are well-protected.
Auto
Stay safe on the road with reliable auto insurance that covers you and your vehicle from life’s unexpected events. Our auto insurance policies offer protection against accidents, theft, liability, and more, ensuring you’re fully covered whether you’re driving around town or across the country. As your local insurance broker, we compare multiple carriers to find you the best coverage at the lowest price, so you can drive with confidence knowing you’re protected.
Toys
Your recreational vehicles and 'toys'—whether it’s an RV, boat, motorcycle, or ATV—deserve the same level of protection as your home and car. Our specialized insurance for toys offers comprehensive coverage that safeguards your investments from damage, theft, liability, and more. As your trusted insurance broker, we shop multiple carriers to find the best policy that fits your lifestyle, ensuring you can enjoy your adventures with peace of mind.
Umbrella
Umbrella insurance provides additional coverage for major claims and lawsuits, protecting your assets, savings, and future earnings from unforeseen events. Whether it’s a serious auto accident or an unexpected liability, our umbrella insurance policies offer peace of mind by covering what your home, auto, and other insurance might not. As your dedicated insurance broker, we help you find the right coverage to ensure you're fully protected, no matter what life throws your way.
Testimonials
Anita Hanson
Having Joe Yard walk me thorugh my insurance options was one of the best decisions I've made.
Paul McRoy
I've been insured with Joe for over a decade, and he always finds ways to save me money with great insurance!
Liz Radcliff
I was referred to Joe Yard and he is the most hands on agent I have ever worked with. I am finally confident in my coverages.
Meet Joe Yard
Agent Joe
I’m a proud father of two and happily married to my wonderful wife, who, like me, is originally from Omaha, NE. After playing collegiate baseball for four years in South Dakota, I moved to Arizona in 2004 in search of sunshine and warm weather. I’m one of the few who truly enjoys the heat—I traded in those cold Midwest winters for the desert, and I couldn’t be happier!
Shortly after moving to Arizona, I met my wife, and together, we’ve built a life that keeps us on the go with our kids’ many activities. Whether it’s school or sports, they keep us busy, and when we have downtime, you’ll find us outside, playing all kinds of sports or exploring the beautiful state we now call home. When I get the chance, I also enjoy hitting the golf course—being outdoors is when I’m at my happiest, which is why Arizona is the perfect place for me!
FAQS
What does homeowners insurance typically cover?
Homeowners insurance typically covers a range of risks and liabilities. It generally includes coverage for damage to your dwelling, other structures on your property (like a detached garage), personal belongings, liability protection in case someone is injured on your property, and additional living expenses if your home becomes uninhabitable due to a covered event. However, specific coverage can vary depending on your policy, so it's essential to review your policy documents and discuss your needs with your insurance agent to ensure you have the right coverage for your situation.
Are floods and earthquakes covered by standard homeowners insurance?
No, standard homeowners insurance typically does not cover damage from floods or earthquakes. Separate policies or endorsements are usually required to protect your home against these specific risks. You can inquire about obtaining flood insurance through the National Flood Insurance Program (NFIP) or inquire with your insurer about earthquake coverage options. It's important to assess the need for these additional coverages based on your location and potential exposure to these risks.
Can I make changes to my homeowners insurance policy mid-term?
Yes, you can usually make changes to your homeowners insurance policy mid-term. Common mid-term changes include updating your coverage limits, adding or removing endorsements, and changing your deductible. However, it's essential to contact your insurance provider to discuss any changes and understand how they might affect your premium. Keep in mind that certain changes may require underwriting approval, and some could result in adjustments to your policy premium.
