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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.

🎉 Happy Friday! Closing out Fire Prevention Week with this fact:📊 Home fires can turn deadly in a matter of minutes, and...
10/17/2026

🎉 Happy Friday! Closing out Fire Prevention Week with this fact:

📊 Home fires can turn deadly in a matter of minutes, and working smoke detectors cut the risk of dying in a home fire roughly in half.

If you tested yours earlier this week, great. If you didn't get to it yet, there's still time this weekend.

Have a safe, great weekend!

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

Quick question: do you know the coverage limit your homeowners policy places on jewelry, watches, and other valuables?Mo...
10/16/2026

Quick question: do you know the coverage limit your homeowners policy places on jewelry, watches, and other valuables?

Most standard policies cap jewelry theft coverage surprisingly low — often just a few thousand dollars total, regardless of what your engagement ring, family heirlooms, or watch collection are actually worth.

The fix is simple: a scheduled personal property endorsement (sometimes called a "rider") lets you insure specific high-value items for their actual appraised value, often with broader protection than your base policy provides — including accidental loss, not just theft.

If you've never had your valuables appraised or scheduled, now's a good time to check what you're actually covered for.

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

Quick question: if something happened to you, could your family afford to replace everything you do every day?If you're ...
10/14/2026

Quick question: if something happened to you, could your family afford to replace everything you do every day?

If you're a stay-at-home parent or spouse, it's easy to get overlooked when it comes to life insurance — after all, there's no paycheck to replace, right? But think about everything that role actually covers: childcare, transportation, meal prep, household management, and more. Replacing those day-to-day responsibilities would come at a real cost to the working spouse, whether that's hiring help or cutting back on work hours.

Life insurance for a stay-at-home spouse isn't about replacing a salary — it's about protecting your family's stability and giving your household breathing room during an already difficult time.

Not sure how much coverage makes sense for your family? Let's talk it through — no pressure, just honest guidance.

🚗 Got a newly licensed teen driver in the house? Here's what to know before they get behind the wheel alone.Adding a tee...
10/14/2026

🚗 Got a newly licensed teen driver in the house? Here's what to know before they get behind the wheel alone.

Adding a teen driver to your auto policy typically raises your premium — there's no way around that, since new drivers statistically carry more risk. But a few things can help soften the impact:

✅ Good student discounts (often a meaningful percentage off)
✅ Defensive driving or teen driving courses
✅ Telematics / usage-based programs that reward safe driving habits
✅ Choosing the right vehicle for them to drive (older, safer, less powerful cars are often cheaper to insure)

One more thing parents often miss: your teen needs to be added to your policy before they start driving solo, not after their first fender bender.

Got a new driver this year? Let's make sure your policy — and your discounts — are set up correctly.

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

⚙️ Restaurants, salons, gyms, retail shops, medical offices — if your business depends on equipment to operate, a single...
10/13/2026

⚙️ Restaurants, salons, gyms, retail shops, medical offices — if your business depends on equipment to operate, a single mechanical or electrical breakdown can shut you down fast.

Equipment Breakdown Insurance (sometimes called Boiler & Machinery coverage) helps cover the repair or replacement of equipment that fails due to mechanical breakdown, electrical issues, or power surges — think walk-in coolers, HVAC systems, ovens, computer servers, and specialized machinery.

Here's what catches business owners off guard: standard commercial property policies often exclude this exact type of breakdown, since it's considered a mechanical failure rather than a covered peril like fire or storm damage.

If a broken walk-in cooler or a fried HVAC system would seriously disrupt your business, this coverage is worth a conversation.

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

Do you have a move coming up, or need somewhere to stash your stuff short-term? We’ve worked on a deal for our clients.G...
10/10/2026

Do you have a move coming up, or need somewhere to stash your stuff short-term? We’ve worked on a deal for our clients.

Green Bin is a valued client of ours — and we love getting the chance to support our clients and help spread the word about what they do. They offer an eco-friendly alternative to cardboard moving boxes: reusable, sanitized bins delivered right to your door and picked up when you’re done. Easier to pack, easier to carry, and way better for the environment.

Since so many of our clients move locally throughout the Phoenix Metro area, we thought this was worth sharing. As a 643 Insurance client, you get 10% off your order with code 643TEN.

📦 Rent at phoenix.rentgreenbin.com
📞 Text or call: 602-688-9956

Pack happy — and support a local business while you’re at it!

Fall is in full swing across both of our hometowns! 🍂Whether you're in the Phoenix Metro or Nashville Metro area, there'...
10/09/2026

Fall is in full swing across both of our hometowns! 🍂

Whether you're in the Phoenix Metro or Nashville Metro area, there's no shortage of ways to get out and enjoy the season with family, friends, and neighbors. Here's what's coming up:

Phoenix Metro, AZ:
🎪 Tempe Oktoberfest — Oct 12–14, Tempe Town Lake
🎨 Grand Avenue Festival — Oct 20, Grand Avenue Arts District
☕ Coffee, Cookies and Crafts — Oct 20, Bragg's Pie Factory
💀 Día de los Mu***os — Oct 30–31, Mesa Arts Center

Nashville Metro, TN:
🧵 Fall Tennessee Craft Fair — Oct 9–11, Centennial Park
📚 Southern Festival of Books — Oct 17–18, Bicentennial Mall
🍺 TN B**r, W**e & Shine Festival — Oct 17, Two Rivers Mansion
🎃 Pumpkinfest in Franklin — Oct 24–25, Downtown Franklin

As a local, independent agency serving both communities, we love seeing our neighbors out enjoying everything fall has to offer. Grab the family and get out there! Did we miss your favorite fall event? Drop it in the comments!

🔥 This week is National Fire Prevention Week — a good excuse for a reminder that could genuinely save a life, not just a...
10/09/2026

🔥 This week is National Fire Prevention Week — a good excuse for a reminder that could genuinely save a life, not just a claim.

A few quick checks:

✅ Test every smoke detector in your home (yes, right now)
✅ Replace batteries if it's been more than 6 months
✅ Make sure everyone in your household knows two ways out of every room
✅ Keep a fire extinguisher accessible in the kitchen

On the insurance side: smoke and fire damage are among the most expensive homeowners claims we see. A few minutes of prevention is worth far more than the payout after the fact.

Stay safe out there, Arizona and Tennessee.

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

🏡 Hosting your place on Airbnb or VRBO a few weekends a month? Your standard homeowners policy almost certainly doesn't ...
10/08/2026

🏡 Hosting your place on Airbnb or VRBO a few weekends a month? Your standard homeowners policy almost certainly doesn't cover that activity.

Short-term rental hosting is treated differently than renting a room to a long-term boarder (which we covered in this week's blog post) — platforms like Airbnb may offer limited host protection, but it's often not a substitute for real insurance coverage, and gaps are common.

Dedicated short-term rental insurance can help cover:
✅ Property damage caused by guests
✅ Liability if a guest is injured on the property
✅ Lost income if the property becomes unusable after a covered loss

Hosting occasionally or full-time? Let's make sure you're not relying on a platform's fine print to protect your biggest asset.

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

Property managers — we see you, and we'd love to work with you.Between tenant turnover, vacancy gaps, and owners asking ...
10/07/2026

Property managers — we see you, and we'd love to work with you.

Between tenant turnover, vacancy gaps, and owners asking questions about coverage, insurance is one more thing on an already full plate. That's exactly where we come in.

We work with property managers across Arizona and Tennessee to help property owners get the right landlord policies in place, answer coverage questions before they become your problem, and move fast when a unit needs a new policy between tenants.

If you're a property manager looking for an insurance partner who actually picks up the phone, let's talk about how we can support your portfolio.

📞 Call | 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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