
Flood Insurance in Arizona: What Homeowners Need to Know
Monsoon flash flooding is excluded from every standard homeowners policy. Here is how flood coverage actually works in Arizona and who genuinely needs it.
August 12, 2026 · 4 min read
The protection you need; the service you deserve. | Independent agency · 24+ years · Licensed in 45 states

Independent agency · 24+ years · Licensed in 45 states
Boone Insurance Group is an independent insurance agency in Mesa, Arizona. Because we are independent, we compare home, auto, business, life and umbrella policies across multiple carriers — instead of selling one company’s products.
Tell us what you need to protect. We’ll compare carriers and come back to you.
What we cover
Boone Insurance Group is independent, which means we compare policies across multiple carriers instead of selling one company's products.
Tailored home and landlord coverage for Mesa, Gilbert and the rest of Arizona, compared across multiple carriers.
Learn moreCoverage for daily drivers, motorcycles, RVs, specialty vehicles and SR-22 filings across Arizona.
Learn moreGeneral liability, property, workers’ comp and liquor liability for small and mid-sized Arizona businesses.
Learn moreTerm and permanent life insurance matched to your situation, with regular policy reviews as life changes.
Learn moreAffordable excess liability that sits above your auto, home and rental policy limits.
Learn moreProtection for your belongings and liability in an Arizona rental — your landlord’s policy does not cover them.
Learn moreSR-22 certificates filed with the Arizona MVD, and auto coverage for drivers other agencies turn away.
Learn moreRequired coverage for Arizona employers — medical costs and lost wages for work-related injuries.
Learn moreCoverage for work vehicles, fleets and employees who drive for the business.
Learn moreMotorcycles, motorhomes and RVs, ATV/UTVs, boats, classics and the rest of the toys.
Learn moreSmart coverage. Simple process.
From your first quote to final coverage, we guide you step by step. There is no confusion or pressure — just clear answers and support when needed.
We listen carefully to learn about your background, objectives, and worries. No forms, no pressure — just a real conversation to figure out what type of coverage makes the most sense for you.
We compare prices and policies from several insurance companies as independent brokers. This lets us find options that match your needs and budget so you can choose without second-guessing.
Your coverage needs can change. We’re here long after the paperwork is done — ready to answer questions, update your policy, or find better rates when it’s time to renew.

Why Boone Insurance Group
Boone Insurance Group, part of The Ahbe Group, combines local service with the resources of a large network. Our customer-first approach ensures you receive personalized attention and support, not just automated responses. We listen, compare plans, and stay involved, providing ongoing support beyond the policy sale.
Our clients benefit from our proactive reviews, claims guidance, and renewal checks. With over 24 years of experience, we are licensed in 45 states, offering you the protection you need and the service you deserve.
Companies we represent

























Independent access to multiple carriers means we compare — we don’t sell one company’s products.
In their words
Real reviews from Boone Insurance Group clients across Arizona.
I had an exceptional experience working with Melissa Boone at Boone Insurance Group. From the moment I reached out, she was incredibly attentive and professional. Melissa took the time to understand my unique needs and provided tailored recommendations that perfectly suited my situation. Her expertise and genuine care were evidence throughout the process. I highly recommend Melissa Boone to anyone in need of insurance services!
I’m so thankful for Melissa! She took the time to meet with my daughter and talk through auto insurance options. She is knowledgeable, friendly, listens to your situation and really tries to help you get the best rate. I highly recommend Melissa if you are shopping around for auto insurance!
I’ve had the pleasure of working with Melissa and she has also helped many of my clients obtain homeowners and auto insurance. She is extremely knowledgeable and provides a very high-level of service. I highly recommend Boone Insurance Group!
Tell us what you need to protect and we will shop it across multiple carriers — free, with no obligation.
Monday – Thursday 8:30 am–5:00 pm · Friday 8:30 am–3:00 pm
Where we work
Based in Mesa, writing throughout the Phoenix metro — and licensed in 45 states for clients who move.
Answers
The questions we get asked most often. There are more on our FAQ page.
We offer comprehensive insurance solutions including homeowners, auto, business, life, and umbrella policies. Each policy is personalized to meet your specific coverage needs and budget.
Contact us by phone at (480) 508-1346 or email melissa@booneinsurancegrp.com to request your free insurance quote. We’ll compare options and find the right coverage for you.
Yes, we serve Mesa, Gilbert, and throughout Arizona. Our personalized approach ensures you receive quality insurance solutions no matter where you’re located in our service area.
We provide a personalized approach to finding the right coverage for each client. Instead of one-size-fits-all policies, we compare options to ensure you get comprehensive protection tailored to you.
Umbrella policies provide extra protection beyond your standard home, auto, or business coverage limits. Consider this coverage if you have significant assets or want additional liability protection.
We offer tailored business insurance solutions to protect your company’s assets, employees, and operations. Coverage options vary based on your industry, size, and specific business risks.
Resources

Monsoon flash flooding is excluded from every standard homeowners policy. Here is how flood coverage actually works in Arizona and who genuinely needs it.
August 12, 2026 · 4 min read

What actually drives an Arizona auto insurance premium — and why the average cost figures you find online are almost never your price.
August 12, 2026 · 5 min read

What drives an Arizona home insurance premium, why rebuild cost matters more than market value, and the coverage gaps most policies quietly carry.
August 12, 2026 · 4 min read
Get in touch
Call during business hours and you reach the agency directly — not a queue.
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