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Protect What Matters Most With Flexible Insurance Options Designed Around Your Needs.

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Empowering Your Insurance Choices With Real Options and Real Guidance

At Schultz & Schultz Insurance, proudly serving Flagstaff, AZ, we believe insurance should be simple, clear, and built around YOU. As a fully independent insurance broker, we provide access to multiple top-rated carriers so you can compare options, find real value, and secure coverage that fits your life—not someone else’s sales goals. From home and auto protection to life insurance, annuities, and commercial solutions for small businesses, we bring years of experience and a commitment to honest guidance. Call 928-239-5704 today for a personalized quote or consultation.

Explore the Core Insurance Solutions We Provide

Choosing the right coverage is easier when everything is clearly outlined and easy to understand. Below is a straightforward look at the primary insurance categories Schultz & Schultz Insurance offers, each designed to protect the people and assets that matter most.

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Protect your residence, investment properties, and personal belongings with coverage tailored to Arizona’s unique risks—including wildfire exposure.

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Secure dependable protection for your standard vehicle, motorcycle, boat, RV, or trailer, with options designed to balance cost, coverage, and convenience.

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Work directly with an experienced advisor to create a plan that protects your loved ones and supports long-term financial stability.

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Explore long-term financial planning options that provide predictable income and support your retirement goals.

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The Benefit of Working With an Independent Insurance Broker

Unlike captive agents who can only offer one company’s products, an independent broker works for you, not the carrier. That means our recommendations are based on your priorities, your price range, and your coverage needs—not corporate limitations.

When you choose Schultz & Schultz Insurance, you gain access to:

  • Multiple A-rated carriers.
  • Side-by-side comparisons.
  • Transparent explanations of coverage differences.
  • A consultative, no-pressure approach.
  • A long-term partner who reviews your coverage as life changes.

Our goal is simple: provide you with the best combination of coverage, service, and price available—without sacrificing protection or clarity.

Full-Service Insurance Solutions for Individuals, Families, and Businesses

We are proud to offer a wide range of insurance products designed to protect every part of your life. From securing your most valuable assets to planning for the future, Schultz & Schultz Insurance is a trusted, local resource for comprehensive protection.

Personal Lines Coverage

We offer personalized home, auto, and life insurance solutions, including:

  • Homeowners insurance.
  • Renter's insurance.
  • Condo insurance.
  • Landlord & rental property insurance.
  • Umbrella liability protection.
  • Auto insurance for standard vehicles.
  • Boat insurance.
  • Motorcycle insurance.
  • RV insurance.
  • Trailer insurance.
  • Life insurance (term, whole, and other options).
  • Annuities and retirement income planning.

Every policy is tailored to your needs, your property, your risk level, and your long-term goals.

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High Fire-Risk Home Insurance Expertise—A Key Local Advantage

One of the biggest challenges facing Arizona homeowners today is securing home insurance in high fire-risk areas. Many carriers have tightened their guidelines, reduced availability, or issued non-renewals for properties within wildfire-prone regions.

This is an area where Schultz & Schultz Insurance excels.

We have the ability to access specialized carriers and underwriting options that many brokers simply cannot use. As a result:

  • Homeowners facing non-renewals can often find new coverage.
  • Buyers of high-fire-risk homes can secure the insurance needed to close.
  • Residents in wildfire zones get expert guidance on available options.
  • Policies can be customized to meet lender and personal requirements.

If fire mapping or brush scoring has made your home difficult to insure, our expertise may be the difference between losing coverage and securing reliable protection.

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Clear, Honest, and Supportive Guidance Throughout the Entire Process

Insurance can feel overwhelming—especially when you’re comparing multiple carriers, trying to understand policy wordings, or dealing with unexpected changes in renewal terms. That’s why we prioritize education, communication, and clarity.

Schultz & Schultz Insurance is committed to:

  • Breaking down your options in plain language.
  • Reviewing coverage line by line.
  • Helping you understand what you’re paying for.
  • Explaining where coverage gaps may exist.
  • Supporting you before, during, and long after the policy purchase.

We take the time to listen, answer questions, and make sure you feel fully informed before making any decisions.

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Insurance Support for Every Stage of Life

As your life changes, so should your insurance. Whether you're buying your first home, starting a business, upgrading your car, expanding your rental portfolio, or planning ahead for your family’s future, we can help you adjust your coverage accordingly.

We are here to support major life milestones, including:

  • New home purchases.
  • Newly licensed drivers.
  • Starting a family.
  • Growing a business.
  • Preparing for retirement.
  • Expanding property ownership.
  • Updating beneficiaries.
  • Adjusting coverage after claims or life changes.

Our team stays with you for the long haul—not just during the initial quote.

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Start Your Coverage Conversation Today

Your insurance should bring confidence—not confusion. Whether you're comparing quotes, updating existing policies, or exploring your coverage options, Schultz & Schultz Insurance is here to help.

Call Schultz & Schultz Insurance today at 928-239-5704 to begin your personalized insurance review and receive guidance from a broker who puts your best interests first.

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⭐⭐⭐⭐⭐

I had a really tough time finding home insurance around town, but one company in town referred me to Eric at Goosehead. Eric was prompt, clear in all of his explanations, and found a really affordable policy with great coverage.


- Alexandra N

⭐⭐⭐⭐⭐

Outstanding service and savings on my car insurance renewal.


- Alexander A.