From pine forest cabins to NAU student rentals. We specialize in coverage that handles snow loads, wildfires, and mountain living.
Flagstaff is Arizona's premier mountain town—a haven for skiers, hikers, and university students. But living at 7,000 feet brings challenges that standard "Phoenix policies" simply don't address. Heavy snowfall, freezing pipes, and the ever-present risk of forest fires require specialized attention.
At Howard Castle Insurance, we are experts in high-elevation coverage. Whether you own a vacation cabin in Munds Park, a family home in Cheshire, or a rental property near NAU, we ensure your policy is rugged enough to withstand the elements of Northern Arizona.
We partner with carriers who understand mountain properties and winter driving.
Whether it's your primary residence or a second home, we ensure you have coverage for frozen pipes, falling trees, and wildfire defense.
Check RatesDriving on icy I-17 or I-40? We prioritize roadside assistance and comprehensive coverage for deer strikes and windshield damage.
Check RatesRenting to NAU students or running an Airbnb? You need a specific Landlord or Short-Term Rental policy to protect your income and liability.
Get a QuoteMany Flagstaff homes are in the Wildland-Urban Interface (WUI). Insurance companies use a "FireLine" score to determine eligibility. If you've been dropped due to fire risk, give us a call. We have access to excess markets.
Water damage from burst pipes is a common winter claim. If your home is a vacation cabin, your policy may require you to maintain heat at a certain temperature or shut off the water when unoccupied to maintain coverage.
Heavy snowfall can collapse roofs or cause ice dams that force water under shingles. We ensure your policy includes specific coverage for weight of ice and snow, which is often excluded in standard Arizona policies.
Flagstaff is a year-round tourist destination. If you Airbnb your cabin, a standard homeowner policy provides ZERO coverage for guest damage or liability. You need a specialized endorsement.
Don't let the elements catch you off guard. Get coverage designed for 7,000 feet.
We shop top carriers including
Have questions? Need a quote? We're here to help. Reach out and let's find the perfect coverage for you.
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Saturday & Sunday: Closed
Gilbert, Arizona
Proudly serving all of Arizona
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