ALTAR Insurance INC

Directions Website Contact the business

ALTAR Insurance INC We offer all things "Insurance" ! Including both personal and business. Home*Auto*Life*Health*Boat Hard to place insurance due to claims or credit is NO problem.

We have over 100 carriers for your insurance needs: Auto Owners, Progressive, Safeco, Hartford, Travelers, Infinity to name a few. For your Pent House to your Poor house!! For your personal jet to your personal golf cart. For your mega Corporation to your Mom and Pop Shop. We have you covered!! visit our website @
www.altarinsurance.com

A simple home inventory can make a difficult moment a little more manageable.Start with this quick checklist:• Photograp...
10/19/2026

A simple home inventory can make a difficult moment a little more manageable.

Start with this quick checklist:
• Photograph each room, including closets and storage areas.
• Record serial numbers for valuable items and electronics.
• Save receipts when they are available.
• Store a copy securely off-site or in cloud storage.

Clear documentation may help you recall what you owned and support the information needed during an insurance claim. It is a practical step for both homeowners and renters.

Have questions about homeowners or renters coverage? Ask our team at ALTAR Insurance—we are here to help.

When a covered loss hits your business, knowing how your insurance policy will reimburse you is crucial. The difference ...
10/16/2026

When a covered loss hits your business, knowing how your insurance policy will reimburse you is crucial. The difference between having actual cash value (ACV) and replacement cost value (RCV) coverage is significant and can affect how your business may respond after a loss.

Swipe through for a breakdown of both and what each one means for your bottom line.

If you want help determining whether you have ACV or RCV or would like to talk through how payout structures can impact your coverage, please don’t hesitate to reach out to our team. We are here to help.

Most homeowners or drivers have some form of homeowners and auto insurance; however, their coverage might not be enough ...
10/14/2026

Most homeowners or drivers have some form of homeowners and auto insurance; however, their coverage might not be enough to protect them in the event of a major claim.

When a serious accident or unexpected lawsuit exceeds what your existing policies can cover, the gap between what you owe and what your insurance pays becomes very real, very fast. That’s where umbrella liability coverage comes in.

Umbrella liability insurance covers costs that would otherwise come straight out of your pocket. With relatively low annual costs, this comprehensive coverage can be one of the most affordable ways to fully protect what you love.

So, if you’re curious about whether umbrella insurance makes sense for your situation, please don’t hesitate to reach out to our team. We are here to help you run the numbers and see what makes sense.

Uninsured and underinsured motorist coverage is designed to help protect you if you are injured in a crash caused by a d...
10/12/2026

Uninsured and underinsured motorist coverage is designed to help protect you if you are injured in a crash caused by a driver who has no insurance—or whose coverage may not be enough for the injuries involved.

In plain language: the other driver’s policy may fall short, and this coverage can help fill an important gap, depending on your policy and circumstances.

That is why the limits you choose matter. Lower limits may leave less protection available when a serious accident creates medical bills, lost income, or other expenses. Reviewing your auto insurance limits helps make sure they still reflect the protection you want.

Our Phoenix insurance agency is here to help you understand your options. Contact ALTAR Insurance to review your auto policy with our team.

Hard-to-place insurance does not mean impossible to insure.An unusual driving history, a property condition, specialized...
10/09/2026

Hard-to-place insurance does not mean impossible to insure.

An unusual driving history, a property condition, specialized business operations, or prior claims can make coverage more complex. It may simply mean you need broader carrier access and experienced guidance to explore the options available.

As an independent Phoenix insurance agency, we work with personal and commercial clients whose needs do not always fit a standard policy. Our team understands hard-to-place insurance and can help you review the details, identify potential coverage paths, and make informed decisions—without making promises we cannot guarantee.

If you are facing a challenging insurance situation, contact ALTAR Insurance to discuss your options. Call us at (602) 265-1000.

Do you know when a risk is best suited to a surplus market? This is a common question agents run into, and knowing the a...
10/07/2026

Do you know when a risk is best suited to a surplus market? This is a common question agents run into, and knowing the answer can be tough.

So, to help you out, we wanted to share a few common cases where a non-admitted, or excess and surplus (E&S) market, can be a good fit:

✅ The risk doesn't fit the filed forms - Unique operations, unusual locations, mixed occupancies, or contract requirements call for accommodations beyond standard forms.

✅ The exposure is genuinely non-standard - Emerging industries, new product lines, atypical revenue streams, or a business model that doesn't map neatly to an admitted underwriting template could be better suited for a surplus market.

✅ Loss history tells a complicated story - Frequency issues, severity spikes, prior non-renewals, and cancellations can indicate that a non-admitted market could be a good fit.

✅ Capacity is the constraint - Higher limits, layered placements, catastrophe-exposed property, or schedules where admitted capacity is thin can often fit better in an E&S market.

✅ The market is moving faster than filings can - When a coverage need is evolving quickly, the E&S market's ability to adjust terms and pricing can be the difference between "no" and a workable "yes."

So, if you have an account that you think may be best supported in a surplus market but aren't sure, feel free to send it over. We're happy to take a quick look, confirm direction, and help you place the risk quickly.

October is Fire Prevention Month, serving as a good reminder that fire safety is not something to put off until an emerg...
10/05/2026

October is Fire Prevention Month, serving as a good reminder that fire safety is not something to put off until an emergency happens. In the United States, one home structure fire is reported every 96 seconds, serving as a sobering reminder of the importance of fire safety.

So, that said, our team wanted to share a few practical tips worth reviewing this season:

⚫ Know the leading causes - Cooking and heating are the two leading causes of home fires in the United States. Never leave cooking unattended, keep flammable materials at least three feet from heat sources, and check electrical cords regularly for damage or fraying.

⚫ Check your smoke alarms - Test them monthly, replace batteries annually, and fully replace any alarm that is 10 or more years old.

⚫ Have an escape plan and practice it - Plan two ways to escape from every room, make sure all windows and doors open easily, and designate an outdoor meeting place.

⚫ Know how to use a fire extinguisher - Remember the acronym PASS: Pull the pin, Aim low at the base of the fire, Squeeze the handle slowly, and Sweep the nozzle side to side. If you are not confident, get out and call 911.

⚫ Build safer daily habits - Never leave portable heaters or fireplaces unattended, keep matches and lighters locked away from children, avoid overloading outlets, and turn off all appliances before leaving the house or going to bed.

Fire prevention is a shared responsibility, and a little preparation goes a long way. If you have further questions about fire safety, we encourage you to reach out to your local fire station.

And if you have any insurance questions or needs, please don’t hesitate to reach out to our team. We are here to help you.

One insurance company may not be the right fit for every situation. As an independent insurance agency, we can compare c...
10/02/2026

One insurance company may not be the right fit for every situation. As an independent insurance agency, we can compare coverage options from many carriers and help you evaluate what may align with your needs.

That flexibility can be especially helpful when coverage is harder to place, whether you are looking for auto, home, or commercial insurance. Our team takes the time to understand your situation and walk you through the available options.

If you would like a fresh look at your coverage, ask Altar Insurance for a coverage review. We are here to help Phoenix clients make informed insurance decisions.

October is Breast Cancer Awareness Month, making it the perfect time to review a few key facts and statistics about earl...
10/01/2026

October is Breast Cancer Awareness Month, making it the perfect time to review a few key facts and statistics about early screening. Breast cancer remains one of the most common cancers in the U.S., and early detection through routine screenings can make a meaningful difference.

Swipe for a few important facts and statistics to keep in mind.

As a reminder, many health insurance plans cover preventive screenings at little or no cost, making it easier to take an active role in your health. And, if you're not sure whether your plan covers preventive breast cancer screenings, our team is happy to help. Please do not hesitate to reach out with any questions.

As we wrap up the quarter, we're proud to share one of the biggest advantages of working with an independent insurance a...
09/30/2026

As we wrap up the quarter, we're proud to share one of the biggest advantages of working with an independent insurance agency like Altar Insurance: options. With access to more than 100 carriers, our team helps you compare coverage, pricing, and protection so you can make the best choice for your needs.

Whether you need personal, commercial, or hard-to-place insurance, we're here to guide you every step of the way.

Call (602) 265-1000 for a quote and see the independent agency difference.

Address

301 E Bethany Home Road Suite C-190
Phoenix, AZ
85012

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Website

Alerts

Be the first to know and let us send you an email when ALTAR Insurance INC posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to ALTAR Insurance INC:

Shortcuts

Share

Category