HUTCH Insurance Agency

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HUTCH Insurance Agency Hutch Insurance Agency is an experienced insurance broker in Personal Lines Insurance and Small Business Insurance. etc. Call Hutch 480-305-7368

We have assisted AZ & CA clients for over 35 years! Auto/Home/Business/Toys/Boats/Motorhome/Toyhaulers etc. We can help ALL drivers, young, old, inexperienced and "driving record challenges". Good people make mistakes and Hutch Insurance does not judge, we just help!

TRUE OR FALSE? 🎃If someone trips and gets injured on your property while trick-or-treating, your homeowners insurance ma...
10/15/2026

TRUE OR FALSE? 🎃
If someone trips and gets injured on your property while trick-or-treating, your homeowners insurance may help cover the costs.
TRUE! ✅
Many homeowners insurance policies include personal liability coverage that may help with medical expenses or legal costs if someone is injured on your property.
Before Halloween night, make sure your walkways are clear, outdoor lights are working, and decorations aren’t creating tripping hazards.
Have questions about your Arizona homeowners insurance? Talk to Mark and the team at Hutch Insurance Agency.
Coverage depends on the circumstances, policy limits, and exclusions.

10/11/2026

What Happens If Water Enters My Home? Is It Covered by Homeowners Insurance?

Heavy rain in Phoenix and Scottsdale can lead to unexpected water damage. But did you know that HOW water enters your home can determine whether your homeowners insurance covers it?

🌧️ Water enters through your roof or a damaged window? Depending on the cause of the damage and your policy, homeowners insurance may provide coverage.

🌊 Water enters your home at ground level? That’s typically considered flooding and is NOT covered by a standard homeowners insurance policy. You’ll generally need separate flood insurance.

Mark from Hutch Insurance Agency in Scottsdale explains why knowing the difference matters, especially during Arizona’s monsoon season and heavy rainstorms.

Do you have flood insurance? Are you sure your home is protected?

Call Mark and his team at Hutch Insurance Agency in Scottsdale. We work with multiple private flood insurance providers and can help you understand your options before the next storm hits.

📍 Hutch Insurance Agency | Scottsdale, Arizona

Why work with Hutch Insurance Agency?Because when something happens, you don’t want to be searching for an 800 number or...
10/06/2026

Why work with Hutch Insurance Agency?

Because when something happens, you don’t want to be searching for an 800 number or wondering who to call.

With Hutch, there’s a real person on the other end.

You can talk to Mark and his team, ask questions and get support when you need it most. It’s a more personal, concierge-style approach to insurance where you actually know who you’re working with.

Whether you have a question about your policy, need to make a change or something unexpected happens, you have a local team available to help you figure out what comes next.

If you’re looking for an independent insurance agent in Arizona who offers personal service and real support, that’s Hutch Insurance Agency.

Real people. Local support. Insurance without feeling like just another policy number.

If someone gets hurt at my house, does homeowners insurance cover it?Sometimes, yes.If a guest is injured while visiting...
10/02/2026

If someone gets hurt at my house, does homeowners insurance cover it?

Sometimes, yes.

If a guest is injured while visiting your home, your homeowners insurance may include coverage that can help with certain costs.

Depending on the situation and your policy, that may include:

• Personal liability coverage if you’re legally responsible for the injury
• Medical payments coverage for certain guest injuries
• Coverage for some legal costs if a claim is made against you

This can come up during birthday parties, holiday gatherings, football watch parties, backyard get-togethers and other events at your home.

Every homeowners insurance policy is different, so it’s worth knowing what your liability limits are before you need them.

Have questions about homeowners insurance in Arizona? Hutch Insurance Agency can help you review your coverage and understand what your policy includes.

Save this Post!* HOW TO PREPARE YOUR HOME FOR UNEXPECTED FLOODINGAn Arizona Homeowner’s ChecklistArizona monsoon storms ...
09/27/2026

Save this Post!* HOW TO PREPARE YOUR HOME FOR UNEXPECTED FLOODING

An Arizona Homeowner’s Checklist

Arizona monsoon storms can bring sudden downpours and flash flooding, even when you aren’t expecting them. Keep these essentials ready before the next storm.

Sandbags: Store a few in your garage to help redirect water away from doors and entryways.

Old towels: Keep absorbent towels and water barriers handy for minor water intrusion.

Clear drainage areas: Regularly remove debris from gutters, downspouts and outdoor drains.

Protect valuables: Keep important documents in waterproof containers and store valuables off the floor.

Emergency supplies: Have flashlights, batteries, portable chargers and drinking water ready.

Know your home: Familiarize yourself with utility shutoffs and identify areas where water could enter.

Review insurance: Understand what your homeowners insurance covers and whether you have separate flood coverage.

Remember: Never enter floodwater or attempt to stop water from entering your home if doing so puts your safety at risk.

TRUE OR FALSE: Your insurance can change when you add a backyard renovation or new outdoor structure.TRUE! Adding a pool...
09/23/2026

TRUE OR FALSE: Your insurance can change when you add a backyard renovation or new outdoor structure.

TRUE!

Adding a pool, pergola, outdoor kitchen, detached garage, shed or other major backyard improvement can change the value of your property — and potentially your insurance needs.

Some additions may need to be specifically accounted for on your homeowners policy, while others can affect liability coverage or the amount it would cost to rebuild your property after a loss.

Before you finish that Arizona backyard upgrade, it’s worth one quick call to your insurance agent to make sure your coverage still matches your home.

Planning a backyard renovation in Arizona? Talk with Hutch Insurance Agency before — or right after — the project is complete.

09/19/2026

DID YOU SEE CARS GETTING STUCK IN FLOODED ARIZONA WASHES DURING THE RECENT MONSOON STORMS? 🌧️🚗

Getting stuck in floodwater could cost you more than just damage to your car.

In Arizona, if you drive onto a flooded roadway that has been barricaded and emergency crews have to rescue you, your passengers or your vehicle, you may be responsible for the cost of that emergency response — up to $2,000. And that expense may not necessarily be covered by your insurance policy.

Arizona monsoon storms can turn normally dry washes, low-water crossings and streets into dangerous flood zones very quickly. The National Weather Service warns that just 12 inches of rushing water can carry away most cars, and you can’t tell whether the road underneath the water has been washed away.

So when you see water covering an Arizona roadway:

🌧️ Turn around — don’t drive through it.
🚧 Never drive around a barricade.
🚗 Find another route, even if the water looks shallow.
⚠️ Remember that washes and low-lying roads can flood quickly during Arizona monsoon storms.

And after storms like these, it’s also a good time to know what your Arizona auto insurance actually covers if your vehicle is damaged by flooding.

Have questions about flood damage, comprehensive auto coverage or your Arizona car insurance policy? Talk with Hutch Insurance Agency before you need it.

Does my kid have to be 16 to ride an e-bike in Arizona?The answer depends on the type of e-bike.In Arizona, a rider must...
09/14/2026

Does my kid have to be 16 to ride an e-bike in Arizona?

The answer depends on the type of e-bike.

In Arizona, a rider must be 16 or older to operate a Class 3 e-bike. Class 3 e-bikes can provide pedal assistance at speeds up to 28 mph.

If you’re buying an e-bike for your child or teen, it’s worth checking more than just the size and speed. Know what class of e-bike you’re purchasing, understand the Arizona rules that apply and make sure you know how your insurance may respond if the bike is stolen, damaged or involved in an accident.

Have an e-bike in your household?

Hutch Insurance Agency can help you review your current insurance coverage and understand what protection you may already have, and where you may have gaps.

Contact Hutch Insurance Agency with your Arizona e-bike insurance questions.

09/11/2026

How does an SR-22 affect your car insurance in Arizona?

An SR-22 isn’t actually insurance. It’s a certificate your insurance company files electronically with the Arizona MVD showing that you have and are maintaining the required auto liability coverage.

You may be required to have an SR-22 in Arizona after certain situations, including a DUI-related suspension or revocation, some insurance violations, or other serious driving-related issues. Depending on the situation, Arizona may require the SR-22 to remain on file for several years, and allowing the coverage to lapse can result in another suspension.

Have questions like:
• Do I need an SR-22 in Arizona?
• How long do I need an SR-22?
• How much does SR-22 insurance cost?
• Can I get an SR-22 if I don’t own a car?
• How will an SR-22 affect my auto insurance?

Hutch Insurance Agency can help you understand your insurance options and find the right coverage for your situation.

09/07/2026

How does a DUI affect your car insurance in Arizona?

A DUI can have a major impact on your Arizona auto insurance. Your rates may increase, your current carrier may no longer consider you a preferred-risk driver, and you may need an SR-22 filing with the Arizona MVD.

In Arizona, an SR-22 is proof that you carry the required liability insurance. For certain DUI-related suspensions or revocations, Arizona MVD generally requires that proof to be maintained for three years.

The good news? A DUI doesn’t mean you’re out of insurance options.

At Hutch Insurance Agency, we work with Arizona drivers who need coverage after a DUI and can help you navigate available insurance options, SR-22 requirements and the process of eventually working your way back toward preferred auto insurance rates.

Have questions about car insurance after a DUI in Arizona? Contact Hutch Insurance Agency and let’s look at your options.

Address

3200 N Hayden Road, Suite 150
Scottsdale, AZ
85251

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 9am - 5pm

Telephone

(480)3057368

Website

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