Surprise has 154,948 residents in 56,506 households. We list 15 insurance agencies in Surprise. Here is what the local numbers say about the cover people here need.

Surprise at a glance

15insurance agencies listed
20.9%of households rentRenters insurance
$435,100median home valueHome insurance
2005median year homes were builtRebuild cost calculator
3.3%of households have no carAuto insurance
3.9%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Maricopa County

FEMA rates the overall natural hazard risk in Maricopa County, where most Surprise agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

Inland floodingVery High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance
HailVery High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Surprise
Strong windVery High
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Surprise
WildfireRelatively High
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in Surprise
LightningRelatively High
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Surprise

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Insurance companies Surprise agencies work with

Of the 10 Surprise agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Foremost3 agencies
American Life & Security2 agencies
Fidelity & Guaranty Life Insurance Company2 agencies
Homeowners of America2 agencies
Nationwide2 agencies
American Modern1 agency
American-Amicable Life Insurance Company of Texas1 agency
Ameritas Life Insurance1 agency
ASSURITY LIFE INSURANCE COMPANY1 agency
Columbus Life Insurance Company1 agency

Source: insurance company appointments in state records, as listed on each agency’s profile.

What Surprise agencies can write

Share of the 15 agencies listed in Surprise that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Surprise agencies are

Surprise agencies we list sit in 4 ZIP codes, mostly in Maricopa County.

853746 agencies
853796 agencies
853872 agencies
853781 agency

Questions

Insurance agencies in Surprise

How do I find an insurance agency in Surprise?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What insurance can I get from agencies in Surprise?

Most often home, landlord, condo, mobile home, vacant land. Pick a type in the filters to narrow the list.

Which insurance companies do Surprise agencies work with?

Among the 10 Surprise agencies whose appointments we hold, the companies they are most often appointed with are Foremost (3), American Life & Security (2), Fidelity & Guaranty Life Insurance Company (2), Homeowners of America (2), Nationwide (2). An appointed agency can quote that company's policies.

Do I need flood insurance in Surprise?

FEMA's National Risk Index rates inland flooding risk in Maricopa County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Surprise?

20.9% of households in Surprise rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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