643 Insurance

643 Insurance 643 Insurance is an independent agency offering Home, Auto, Business, and Life Insurance.

We focus on long-term relationships and clear, thoughtful coverage guidance to protect what our clients are building both personally and professionally. We provide insurance protection for the things that matter the most to you. We are looking to be your insurance agents for life. 643 Insurance is licensed in AZ, CO, ID, IL, MN, NM, TX, & WA. With 643 Insurance, you will have insurance agents who

knows you and who you can reach when you need us. No more random people answering your calls from an 800 number insurance company or a faceless chat from a website insurance company. We provide Home, Auto, Life, Umbrella, ATV, Motorcycle, Golf Cart, Business Insurance, Mexico, Pet, and more.

Quick question for anyone with a living trust: does your home insurance policy actually know about it?A lot of homeowner...
09/03/2026

Quick question for anyone with a living trust: does your home insurance policy actually know about it?

A lot of homeowners update their deed when they set up a trust... and then never tell their insurance agent. It sounds like a small detail. It isn't.

If your policy doesn't list your trust as an additional insured, a major claim could get delayed, disputed, or denied — right when your family needs it most.

We just published a full breakdown of what to know, what to ask your agent, and how to fix it (usually with one phone call).

👉 Read the full article at https://643insurance.com/blog/trust-on-home-insurance-policy

Questions about your own policy? We're one call away.

📞 Call | 💬 Text: 480-209-5401
🔗 643insurance.com

Did you know September is Life Insurance Awareness Month?It's a national reminder of something we talk about with famili...
09/02/2026

Did you know September is Life Insurance Awareness Month?

It's a national reminder of something we talk about with families every single day: life insurance isn't about you — it's about the people who depend on you.

All month long, we're sharing real education, real numbers, and real stories to help you figure out whether your coverage (or lack of it) matches where your life is right now.

New job? New baby? New mortgage? Life insurance should grow with you.

Follow along this month, and if you've never had a real conversation about your coverage, let's start one.

📞 Call | 💬 Text: 480-209-5401
🔗 643insurance.com

🍂 Happy last day of August! As we head into September, the seasons are changing — and it's a great reminder that your in...
09/01/2026

🍂 Happy last day of August! As we head into September, the seasons are changing — and it's a great reminder that your insurance needs can change too.

A few things to think about this fall:

🏠 Homeowners: Check your coverage limits and review any weather-related exclusions before fall storms arrive.

🚗 Auto: Kids back in school means more school zone traffic and changing road conditions. Make sure your coverage reflects your current household.

💼 Business owners: Q4 is around the corner. If your business peaks in the fall or holiday season, make sure your commercial policy is ready.

🛡️ Life insurance: Fall is a great time to review — especially if you've had any major life changes in the past year.

We love this season at 643 Insurance — the season where clients come to us for annual reviews and leave better protected. We'd love to do the same for you.

Give us a call — have a great September! 🍂

📞 Call | 💬 Text: 480-209-5401
🔗 643insurance.com

☀️ Summer's winding down — and before fall takes over, it's a great time to do a quick insurance check-in.Here's your en...
08/29/2026

☀️ Summer's winding down — and before fall takes over, it's a great time to do a quick insurance check-in.

Here's your end-of-summer checklist:

☑️ 1. Update your auto policy if your teen driver is heading to college (away-at-school discount!)
☑️ 2. Review your homeowners coverage limits — home values and replacement costs have changed.
☑️ 3. Check your life insurance — new baby, new home, or major financial milestone?
☑️ 4. Reflect any life changes — marriage, divorce, new job, new business.
☑️ 5. Review your business coverage if you had a strong summer season.

If it's been more than a year since you've reviewed your policies, now is a great time. We make it easy.

Have a wonderful weekend — see you in September! 🍂

📞 Call | 💬 Text: 480-209-5401
🔗 643insurance.com

🧮 One of the most common questions we get: "How much life insurance do I actually need?"The most commonly cited rule of ...
08/28/2026

🧮 One of the most common questions we get: "How much life insurance do I actually need?"

The most commonly cited rule of thumb is 10–12x your annual income. But that's a starting point, not a complete answer.

A more useful way to think about it:

1️⃣ Income replacement — How many years of income would your family need to maintain their lifestyle?
2️⃣ Debt — Mortgage, car loans, student loans, credit cards
3️⃣ Future expenses — College tuition for your kids? Other major milestones?
4️⃣ End-of-life costs — Funeral and burial costs average $8,000–$12,000 or more.
5️⃣ Existing assets — Savings and existing policies can reduce how much you need.

Every family's number is different. Give us a call — no obligation, just a real conversation.

📞 Call | 💬 Text: 480-209-5401
🔗 643insurance.com

💼 Most business owners insure their building, their equipment, and their vehicles. But what about the people who are mos...
08/27/2026

💼 Most business owners insure their building, their equipment, and their vehicles. But what about the people who are most critical to the business running?

That's where key person life insurance comes in.

Key person insurance is a life insurance policy taken out by a business on the life of an essential employee or owner. If that person passes away or becomes unable to work, the policy pays the business directly — helping cover:

✅ Costs of finding and training a replacement
✅ Lost revenue during the transition
✅ Loan repayments that may have depended on that person
✅ Reassurance to investors, lenders, or partners

If there's someone in your business — including yourself — whose absence would create significant financial hardship, this coverage deserves a serious look.

We work with business owners across Arizona and Tennessee on commercial insurance strategies, including key person coverage. Let's talk.

📞 Call | 💬 Text: 480-209-5401
🔗 643insurance.com

⏰ Here's a truth most young people don't hear enough: waiting to get life insurance costs you money.Life insurance premi...
08/26/2026

⏰ Here's a truth most young people don't hear enough: waiting to get life insurance costs you money.

Life insurance premiums are based primarily on two factors: your age and your health. The younger and healthier you are when you apply, the lower your rate — and the lower it stays for the life of your policy.

Here's an example: A healthy 28-year-old might pay $25–$30/month for a 20-year term policy with a $500,000 benefit. Wait until 40, and that same policy could cost significantly more — sometimes double.

Life insurance isn't for you. It's for the people who depend on you — or who would feel your loss financially.

If you're in your 20s or 30s and don't have a policy yet, there's never been a better time to start. Give us a call — we'll walk you through your options without any pressure.

📞 Call | 💬 Text: 480-209-5401
🔗 643insurance.com

🏦 One of the most common questions we get: "What's the difference between term and whole life insurance?"TERM LIFE INSUR...
08/25/2026

🏦 One of the most common questions we get: "What's the difference between term and whole life insurance?"

TERM LIFE INSURANCE
→ Coverage for a set period (10, 20, or 30 years)
→ Lower premiums, especially when you're young and healthy
→ Pays a death benefit if you pass during the term
→ Best for: income replacement, mortgage protection, covering specific financial obligations

WHOLE LIFE INSURANCE
→ Permanent coverage — as long as you pay premiums, you're covered
→ Builds cash value over time (you can borrow against it)
→ Higher premiums, but part of what you pay becomes a savings component
→ Best for: estate planning, lifelong dependents, tax-advantaged savings

Neither is universally better. The right choice depends on your goals, budget, and stage of life.

We don't push one product — we ask the right questions and help you find the right fit. Give us a call.

📞 Call | 💬 Text: 480-209-5401
🔗 643insurance.com

💻 Here's a risk that most small business owners dramatically underestimate: a cyberattack.You don't have to be a large c...
08/22/2026

💻 Here's a risk that most small business owners dramatically underestimate: a cyberattack.

You don't have to be a large corporation to be targeted. In fact, small businesses are increasingly the target of ransomware, phishing attacks, and data breaches — precisely because they often have fewer protections in place.

Cyber liability insurance can help cover:
✅ Costs of notifying affected customers after a breach
✅ Legal fees and regulatory fines
✅ Data recovery costs
✅ Business interruption losses during recovery
✅ Ransomware payments (where applicable by policy)

If your business stores customer data — names, emails, credit card numbers, health information — you have exposure.

Give us a call and let's talk through what protection makes sense for you.

📞 Call | 💬 Text: 480-209-5401
🔗 643insurance.com

📋 If you're a small business owner, there's a policy specifically designed for you — and a lot of business owners have n...
08/21/2026

📋 If you're a small business owner, there's a policy specifically designed for you — and a lot of business owners have never heard of it.

It's called a Business Owner's Policy, or BOP. It bundles together two coverages most small businesses need:

🛡️ General Liability Insurance — protects against bodily injury, property damage, and advertising claims
🏢 Commercial Property Insurance — protects your building, equipment, inventory, and other business property

Bundled into one policy, a BOP is typically more affordable than purchasing both separately.

A BOP is generally a good fit for:
✅ Small to medium-sized businesses
✅ Businesses with a physical location (office, storefront, warehouse)
✅ Businesses with physical assets to protect

Want to find out if a BOP makes sense for your business? We'd love to walk through it with you.

📞 Call | 💬 Text: 480-209-5401
🔗 643insurance.com

Address

2700 S Gilbert Road, Ste 5
Chandler, AZ
85286

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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