Insurance Coverage Options in Arizona | Me & You Insurance LLC

Insurance Coverage Options

Comprehensive protection tailored to your unique needs. Find the right coverage to protect what matters most to you.

Protecting Your World

At Me & You Insurance, we understand that every aspect of your life deserves protection. Our comprehensive coverage options are designed to give you peace of mind, whether you're at home, on the road, or enjoying your recreational activities.

🏠

Home Insurance

Protect your most valuable investment with comprehensive home insurance coverage that safeguards your dwelling, personal belongings, and provides liability protection.

  • Dwelling protection against fire, weather, and theft
  • Personal property coverage for belongings
  • Liability protection
  • Additional living expenses during repairs
  • Medical payments for guest injuries
  • Building codes (permits to rebuild)
Arizona Insurance Fact

Arizona homeowners face unique risks from monsoon winds (80+ mph), flash flooding, and extreme heat that can damage AC units costing $6,000+ to replace. Standard policies may not cover monsoon damage without proper endorsements.

Me & You Insurance LLC Advantage

We personally review your home's unique features and local Arizona risks to ensure optimal coverage at the best price—not the highest premium. Your coverage evolves as your home and life change.

🚗

Auto Insurance

Complete vehicle protection with liability, collision, and comprehensive coverage to keep you protected on the road, plus additional benefits for peace of mind.

  • Liability coverage for bodily injury and property damage
  • Collision coverage for vehicle damage
  • Comprehensive coverage for theft and weather
  • Medical payments and PIP coverage
  • Uninsured/underinsured motorist protection
Arizona Insurance Fact

Arizona has the 6th highest uninsured driver rate in the U.S. at 17.2%. Phoenix ranks #2 nationally for vehicle theft. Comprehensive coverage is essential for theft protection, especially for pickup trucks and certain SUVs.

Me & You Insurance LLC Advantage

You're more than a policy number to us. We personally handle your claims advocacy and work to prevent coverage gaps. Built on referrals, we earn your loyalty through results—not high-pressure sales tactics.

🏘️

Manufactured Home Insurance

Specialized coverage designed specifically for manufactured and mobile homes, addressing unique risks and providing comprehensive protection for your lifestyle.

  • Structure coverage for manufactured home construction
  • Personal property protection
  • Liability coverage for your premises
  • Additional structures coverage
  • Loss of use benefits during repairs
Arizona Insurance Fact

Arizona has over 380,000 manufactured homes, with many in 55+ communities. These homes often require special wind/hail coverage due to lighter construction and are particularly vulnerable to Arizona's dust storms and monsoons.

Me & You Insurance LLC Advantage

As Arizona specialists, we understand manufactured home communities and unique desert climate challenges. We work directly with you to find coverage that fits your budget and lifestyle—no corporate sales pressure.

🏢

Investment Property Insurance

Protect your rental properties and investment real estate with coverage designed for landlords and property investors, including rental income protection.

  • Dwelling coverage for rental properties
  • Loss of rental income protection
  • Landlord liability coverage
  • Building codes (permits to rebuild)
  • Ordinance and law coverage
Arizona Insurance Fact

Arizona's short-term rental market generates $2.4B annually, with many Canadian snowbirds owning investment properties. These properties face unique liability risks and require specialized coverage for seasonal rental income patterns.

Me & You Insurance LLC Advantage

We're landlord advocates who understand Arizona's rental market and specialize in helping Canadian homeowners navigate U.S. insurance requirements. Our ongoing policy optimization ensures your investment properties stay properly protected as property values and rents change—with expert advocacy you can trust.

☂️

Umbrella Insurance

Extra liability protection that extends beyond your existing policies, providing additional coverage when your primary insurance limits are exceeded.

  • Additional liability coverage beyond primary policies
  • Protection against large lawsuits
  • Coverage for personal injury claims
  • Coverage for libel and slander
  • Defense cost coverage included
Arizona Insurance Fact

Arizona's average lawsuit settlement is $1.8M, well above typical auto/home liability limits. With pools, trampolines, and outdoor entertaining popular in Arizona, umbrella coverage is crucial for protecting assets against premises liability claims.

Me & You Insurance LLC Advantage

We analyze your total asset exposure and recommend the right umbrella limits for your specific situation. Our personalized approach ensures you're not over-insured or under-protected—just properly covered for your lifestyle.

🔑

Renters Insurance

Affordable protection for tenants and apartment dwellers, covering your personal belongings, liability, and additional living expenses if your rental becomes uninhabitable.

  • Personal property protection for belongings
  • Liability coverage for accidents caused by you
  • Additional living expenses during displacement
  • Medical payments for guest injuries
  • Items stolen from vehicle
Arizona Insurance Fact

Arizona has over 1.2 million renters, with many in Phoenix and Tucson facing risks from burst pipes due to extreme heat cycles, theft in high-density areas, and monsoon flooding. Most landlord policies don't cover tenant belongings.

Me & You Insurance LLC Advantage

We make renters insurance simple and affordable. As renters ourselves, we understand your needs and budget constraints. Our personal approach ensures you get the right coverage without paying for protection you don't need.

🚐

RV Insurance

Specialized coverage for recreational vehicles, motorhomes, and travel trailers, protecting your mobile home away from home and your adventures on the road.

  • Liability coverage for RV operation
  • Collision and comprehensive protection
  • Personal effects coverage
  • Emergency expense coverage
  • Vacation liability for campsites
Arizona Insurance Fact

Arizona has 280+ RV parks and welcomes 45 million visitors annually. Summer temperatures exceed 115°F, requiring special coverage for tire blowouts, AC failures, and appliance damage from extreme heat exposure.

Me & You Insurance LLC Advantage

Arizona RV living requires specialized knowledge. We understand desert travel, snowbird patterns, and seasonal usage. Our expertise ensures your mobile lifestyle is properly protected wherever your adventures take you.

🏍️

Motorcycle Insurance

Tailored protection for motorcycle enthusiasts, covering liability, physical damage, and specialized coverage for riders and their bikes.

  • Liability coverage for bodily injury and property damage
  • Collision and comprehensive coverage
  • Medical payments for rider and passenger
  • Uninsured motorist protection
  • Custom parts and equipment coverage
Arizona Insurance Fact

Arizona allows year-round riding with 300+ sunny days annually, but leads in motorcycle accident rates due to visibility issues during dust storms and monsoons. Many riders underestimate medical coverage needs for desert riding.

Me & You Insurance LLC Advantage

Riders aren't just customers—you're enthusiasts we protect. We understand custom modifications, seasonal riding, and Arizona's unique motorcycle culture. Your passion deserves personalized protection, not cookie-cutter coverage.

⛵

Boat Insurance

Comprehensive marine insurance for boats, yachts, and watercraft, covering both on-water activities and protection while docked or stored.

  • Boat and boat equipment coverage
  • Liability protection on water
  • Medical payments for passengers
  • Personal effects and equipment coverage
  • Towing and assistance coverage
  • Trailer coverage optional
Arizona Insurance Fact

Arizona's 128,000+ registered boats navigate desert lakes with unique hazards like submerged rocks and debris. Lake Powell and Lake Havasu see frequent hull damage claims due to low water levels exposing previously hidden obstacles.

Me & You Insurance LLC Advantage

Whether you boat on Arizona lakes or travel to California waters, we craft coverage around your boating patterns. Personal relationships mean we're here when you need claims support—not just when premiums are due.