Howard Castle Insurance - An IPA Agency
Colorado River view from Bullhead City
Where the Desert Meets the River

Insurance for the
Bullhead Lifestyle

Whether you're cruising the Colorado River, commuting to Laughlin, or relaxing in your riverfront home. We have affordable coverage for life on the water.

River Living Done Right.
Coverage You Can Trust.

Bullhead City is the heart of the Tri-State area, offering year-round sunshine and direct access to the Colorado River and Lake Mohave. It's a community of retirees, river enthusiasts, and hardworking locals who keep the region running.

At Howard Castle Insurance, we understand that Bullhead City homes come in all shapes and sizes—from luxury estates in Laughlin Ranch to manufactured homes in Holiday Shores. We specialize in finding the right carriers for every type of property and vehicle, ensuring you're protected whether you're on the highway or the water.

  • Manufactured & Mobile Home Specialists
  • Boat & Jet Ski Liability
  • Seasonal & Snowbird Home Insurance
Riverfront Home in Bullhead City
River Cities Coverage

Insurance for Bullhead Residents

Affordable options for homes, toys, and daily drivers in the Mojave Valley.

Manufactured Homes

Bullhead has many manufactured home communities. We work with carriers that specialize in these homes, offering replacement cost coverage even for older models.

Check Rates

Boat & PWC

Don't hit the river without protection. We cover jet skis, pontoon boats, and performance boats against accidents, theft, and liability.

Get Coverage

Commuter Auto

Driving across the river to work in Laughlin? We ensure your coverage meets the needs of daily commuters on Hwy 95 and the bridge.

Check Rates

Bullhead Insurance Essentials

Heat & Sun Damage

Bullhead City temperatures are extreme. This takes a toll on roofs, RV seals, and car paint. We recommend comprehensive coverage for vehicles and ensuring your home policy covers sun-related deterioration where possible.

Unoccupied Homes

Many residents leave for the cooler months. If your home is vacant for more than 30 days, your standard policy might not cover vandalism or leaks. We add specific "vacant home" endorsements to protect you while you're away.

Flood Insurance (Riverfront)

Properties in Riviera and along the Colorado River are in flood zones. Even controlled rivers can flood. Flood insurance is separate from home insurance and is crucial for riverfront peace of mind.

Watercraft Liability

The river can be crowded, especially on holidays. Liability coverage protects your assets if you are involved in an accident on the water. Do not rely on minimum limits for high-traffic boating areas.

Serving Bullhead Communities

Riviera Sunridge Estates Laughlin Ranch Holiday Shores Desert Foothills Palo Verde Meadows Arroyo Vista Fox Creek

Protect Your River Lifestyle

Affordable rates for homes, boats, and commuters in the Tri-State area.

We shop top carriers including

GEICO Liberty Mutual Progressive Nationwide The Hartford National General Auto-Owners State Auto Travelers Safeco The General Mercury Acuity AmShield Stonegate Steadily Selective Root Openly West Best BTIS American Modern Aegis Homeowners of America Personal Umbrella Pie Insurance CNA Surety Branch Clearcover Commonwealth Covercube Dairyland Haggerty Johnson Johnson Insurance Lemonade Pacific Specialty GEICO Liberty Mutual Progressive Nationwide The Hartford National General Auto-Owners State Auto Travelers Safeco The General Mercury Acuity AmShield Stonegate Steadily Selective Root Openly West Best BTIS American Modern Aegis Homeowners of America Personal Umbrella Pie Insurance CNA Surety Branch Clearcover Commonwealth Covercube Dairyland Haggerty Johnson Johnson Insurance Lemonade Pacific Specialty
Get in Touch

Contact Us Today

Have questions? Need a quote? We're here to help. Reach out and let's find the perfect coverage for you.

Contact Information

Business Hours

Mon-Fri: 8:00 AM - 5:00 PM MST

Saturday & Sunday: Closed

Location

Gilbert, Arizona

Proudly serving all of Arizona

Prefer to Get a Quote First?

Get a free quote from 40+ carriers in minutes. No obligation, no pressure—just great coverage options.

Get Your Free Quote

Send Us a Message

Fill out the form below and we'll get back to you as soon as possible.