Personal Insurance

Coverage that moves with you

From your first car to your forever home – and everything in between. We build personal insurance packages that protect what you love most, backed by dozens of A-rated carriers.

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The Lux Difference

One agent, every line of coverage

You shouldn’t need three different agents to insure your car, your home, and your life. We bundle everything under one roof – so you get better service, smarter pricing, and one number to call when you need us.

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On the Road

Auto Insurance

Arizona’s roads demand more than the state minimum. From Phoenix rush-hour fender benders to the hail that rolls off the Mogollon Rim, we build auto policies that actually pay when you need them.

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Liability – Bodily injury and property damage protection that exceeds AZ minimums

Collision – Pays to repair your car regardless of fault

Comprehensive – Covers theft, hail, rocks, vandalism, animal strikes

Uninsured / Underinsured Motorist – Essential in AZ where ~1 in 10 drivers is uninsured

Medical Payments – No-fault coverage for injuries to you and passengers

Rental reimbursement, roadside assistance, gap, rideshare

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For Your Home

Home Insurance

Your home is probably the biggest investment you’ll ever make. We protect it from Arizona-specific risks – monsoon hail, microbursts, roof damage, water backup, wildfire, theft – with coverage that reflects today’s rebuild costs, not 2010’s.

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Dwelling – Rebuild cost coverage, not just market value

Other Structures – Detached garages, sheds, fences, pool cages

Personal Property – Your belongings, scheduled jewelry and collectibles

Liability – Injuries on your property, lawsuits, dog bites

Loss of Use – Hotels, meals, pet boarding during repairs

Water Backup, Ordinance & Law, Identity Theft

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Condo Owners

Condo Insurance (HO-6)

Your HOA master policy typically covers the building structure – but not the inside of your unit. HO-6 coverage fills the gap, protecting your walls-in, fixtures, personal property, and liability.

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Walls-in / Dwelling – Interior walls, flooring, cabinets, fixtures

Personal Property – Furniture, electronics, clothing

Loss Assessment – Pays your share of HOA special assessments

Liability – Guest injury, damage to neighbors’ units

Loss of Use – Temporary living costs during repairs

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For Renters

Renters Insurance

If you rent, your landlord’s policy does NOT cover your stuff. Renters insurance is often less than $15/month and covers way more than most people think – including theft off your car or while traveling.

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Personal Property – Everything you own, even while traveling

Liability – If someone gets hurt in your rental

Loss of Use – Hotel stays if your rental is uninhabitable

Medical Payments – No-fault medical coverage for guest injuries

Scheduled items – Engagement rings, musical instruments, bikes

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Extra Protection

Umbrella Insurance

An umbrella policy adds $1M – $5M of liability protection on top of your auto and home limits. Critical for families with teen drivers, pools, trampolines, dog breeds, rental properties, or anyone with assets to protect.

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Excess Liability – Starts where your auto/home liability stops

Defense Costs – Legal fees outside policy limits

Worldwide Coverage – Protects you anywhere

Personal Injury – Libel, slander, false arrest coverage

Uninsured Motorist – Optional stacking for catastrophic injury

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For Your Loved Ones

Life Insurance

Term life is shockingly affordable when you’re young and healthy – and the best time to lock in a 20 or 30-year rate is today. We help you figure out how much coverage actually makes sense based on your family, income, and debts.

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Term Life – Affordable, fixed-rate coverage for a set period

Whole Life – Permanent coverage with cash value accumulation

Universal Life – Flexible premiums and death benefits

Final Expense – Smaller policies to cover funeral costs

No-exam options available for qualifying applicants

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Weekend Warriors

Toys: Boats, RVs, Motorcycles & More

Your fun shouldn’t come with a gap in coverage. We insure boats, PWCs, RVs, travel trailers, motorcycles, ATVs, UTVs, classic cars, and collector vehicles – with agreed-value options that pay what your toy is actually worth.

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Agreed Value – No depreciation fights at claim time

Towing & Roadside – For when things go sideways

Trip Interruption – Hotels and rentals when your rig breaks down

Personal Effects – Gear, accessories, electronics

Off-road & on-road coverage for ATVs and UTVs

Ready to Save?

Let’s build your personal insurance package.

Bundle your policies, compare carriers, and see real numbers in 24 hours or less.

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Call (480) 442-1442