Insurance that's shopped, compared, and explained.
Home, auto, business, life and umbrella. I shop your coverage across a wide range of insurance companies, explain the trade-offs and handle the paperwork so you don't have to.
Call or text 602-315-0924
One broker for everything you own.
Bundle where it saves you money, split carriers where it doesn't. You get one person to call either way.
Home
Homeowners, condo, renters, landlord and vacant-home policies.
See home coverage → VehiclesAuto
Daily drivers, new drivers, classics, RVs, motorcycles and Mexico trips.
See auto coverage → CommercialBusiness
General liability, commercial auto, BOPs and coverage for contractors.
See business coverage → FamilyLife
Term and permanent coverage that takes care of the people who depend on you.
See life coverage → LiabilityUmbrella
An extra layer of liability above your home and auto limits.
See umbrella coverage → RentalsShort-Term Rentals
Airbnb, VRBO and other short-term rentals, placed with carriers that write STRs specifically.
See rental coverage → SpecialtyHard-to-Place
Non-standard risks, prior cancellations, and the policies other brokers pass on. Bring them here first.
Request a quote → Free reviewPolicy Review
Send your current dec page and get an honest look at your coverage first.
Drop a dec →Rooted in Arizona. Licensed well beyond it.
Arizona
Based in Arizona and rooted in the local market, where most clients are.
United States
Licensed to place coverage for clients across the country, wherever you've landed.
México
Coverage for clients and businesses with needs on both sides of the border.
Quoted, compared, and covered.
Tell me what you've got
Fill out the quote form and attach your current declarations page if you have one.
I shop the market
I run your info across my carriers and send back real options, with deductibles and coverage limits laid out side by side.
You pick, I bind
Choose which option works for you and I'll take care of the rest.
Drop a dec, get my rec.
Not ready for a full quote? Send me your current declarations page. I'll go over your coverage, flag any gaps, and tell you whether it looks worth shopping.
- What you send
- Your current declarations page. A PDF or a photo works.
- What I look at
- Limits, deductibles, gaps in coverage, and anything that looks out of line for what you're paying.
- What you get
- A straight answer on how your policy looks. If there may be room to save, I'll tell you what a full quote would take.
What Arizona clients say.
Tate found us a better home policy with a higher dwelling limit and still beat our renewal. He walked us through both deductible options before we signed anything.
Added my son to our auto policy and I was bracing for the worst. Tate shopped it around and got the increase way down.
I run a small landscaping company. Tate got my general liability and commercial auto sorted in one afternoon and sent the certificate to my client the same day.
Paying too much? Let's find out.
Have your declarations page ready and it takes about ten minutes.
Protect the place you call home.
From your first house to your rental properties, I find coverage that fits what you own, with limits that match what it would actually cost to rebuild.
Every kind of property.
I have access to a wide range of carriers, including ones that specialize in rentals, vacant homes and high-risk properties.
I own rentals myself, and a few of them are in high-risk areas. I've been through the process of getting tough properties covered, so I know what it takes.
I'm not only your broker. I'm a policyholder too, and I shop my own coverage the same way I'll shop yours.
Read your dec page like a pro.
Every homeowners policy is built from the same parts. Here's what each one means.
- Coverage A · Dwelling
- Rebuilds the structure of your home after a covered loss.
- Coverage B · Other structures
- Detached garages, casitas, block walls and fences.
- Coverage C · Personal property
- Furniture, electronics, clothes and everything else you own.
- Coverage D · Loss of use
- Living costs while your home is repaired.
- Coverage E · Liability
- Protects you if someone is hurt on your property.
- Wind / hail deductible
- Often separate from your main deductible. I'll show you the price difference for each option.
- Short-term rentals
- Airbnb and VRBO hosts need coverage written for guest stays. I place STRs with carriers that specialize in them.
Coverage for everything you drive.
Daily drivers, teen drivers, weekend classics. I match each vehicle to the right carrier instead of forcing everything onto one policy.
What actually protects you.
Arizona's legal minimum is a starting point, not a recommendation. I'll show you what higher limits cost so you can decide.
- Bodily injury & property damage
- Pays for others' injuries and damage when you're at fault.
- Uninsured / underinsured motorist
- Covers you when the other driver has little or no insurance.
- Comprehensive
- Hail, theft, cracked windshields, and other damage outside a collision.
- Collision
- Repairs your vehicle after an accident, whoever caused it.
- Rental & roadside
- A rental while yours is in the shop, plus towing and jump-starts.
From commuters to collector cars.
I have access to a wide range of carriers, from standard markets to specialty and collector-car coverage, so there's usually a good fit.
Coverage that keeps the job moving.
Commercial auto, liability, property and workers' comp for Arizona small businesses, all handled by one broker.
Built for Arizona small business.
Contractors, landscapers, haulers, retail shops and service businesses.
- Commercial auto
- Trucks, vans and cutaways your business owns or drives.
- General liability
- Covers third-party injury and property damage from your work.
- Business owner's policy (BOP)
- Liability and business property bundled together.
- Workers' compensation
- Required in Arizona once you have employees.
- Commercial property
- Your building, equipment, tools and inventory.
Ready to cover your business?
Tell me about your operation and I'll shop it for you.
Take care of the people who count on you.
Replace your income, pay off the mortgage, or cover your kids' future. I'll help you figure out how much coverage makes sense and compare prices.
Term or permanent.
Most families start with term. Permanent coverage can make sense for estate planning or lifelong needs.
- Term life
- Coverage for a set number of years, often 10, 20 or 30. The most coverage for the lowest price.
- Whole life
- Lifelong coverage that builds cash value over time.
- Mortgage protection
- Sized to pay off your home if something happens to you.
- Final expense
- A smaller policy that covers funeral and end-of-life costs.
Not sure how much you need?
Call or text 602-315-0924 and we'll work through it together.
An extra layer when a claim goes past your limits.
If a lawsuit goes beyond your auto or home liability limits, an umbrella policy picks up the rest. It's usually one of the cheapest ways to protect what you've built.
It sits on top of your other policies.
Your home and auto liability pay first. The umbrella kicks in after those limits run out.
- Who it's for
- Homeowners, landlords, families with teen drivers, and anyone with savings or assets to protect.
- What it covers
- Injury and property damage claims above your other limits, plus some claims those policies exclude, like libel or slander.
- What it needs
- Carriers usually require certain liability limits on your home and auto first. I'll line those up for you.
- When to add it
- Anytime. You can add an umbrella in the middle of a policy term.
Meet the team.
Tate The Broker is an independent insurance broker serving clients across the U.S. and even in Mexico.
I work for you, not one carrier.
Captive agents sell one company's products. As an independent broker, I have access to a wide range of carriers, from the names you know to specialty markets. If one raises your rate at renewal, I can shop it again without you starting over.
Licensed across the U.S., with cross-border coverage in México.
Tate Matheny
Mustofa
Let's look at your coverage.
Call or text 602-315-0924, or send a quote request.
Drop a dec, get my rec.
Upload your declarations page(s) and I'll review them.
Email this with your dec page attached.
Copy your request and send it to tate@khaiserinsurance.com with attached.
Request your quote.
Pick a policy type, fill in the details for everyone going on the policy, and attach your current declarations page if you have one.
Send this to Tate to start your quote.
We couldn't send your request from the site, so we opened it in your email app. Just hit send. Didn't open? Copy it below and email it to tate@khaiserinsurance.com.
Attach your declarations page to that email: