FAQ · Chandler, AZ
Insurance questions, answered plainly.
KGB Insurance explains Arizona auto, home and bundle coverage, and what to expect when you ask for a quote.
Get a quote Call (480) 545-8877- 4.8 from 86 Google reviews
- Hablamos español
- Mon–Fri 8–6 · Sat 8–12
★★★★★Google review “Excellent service; they always answer calls and provide courteous, friendly service. Highly recommended.”
Gonzalo MorenoGetting a quote
Start a quote What should I have ready for a quote?Your current declarations page helps most. It lists what you carry today, so we can quote the same coverage or show you where we’d change it. A photo of it works.
- For auto: the VIN for each car, plus the name, birth date and driver’s license number of each driver.
- For home: the address, whether you own, rent or are buying, and your roof’s age if you know it.
- Buying a home? Your closing date and your lender’s contact details.
No. The quote form only asks what you want covered, your name, mobile number and ZIP code. If you have your current declarations page, have it handy when a licensed agent calls.
Auto insurance
Auto coverage What are Arizona’s minimum liability limits for car insurance?Arizona law (A.R.S. 28-4009 on azleg.gov) sets the lowest liability limits at $25,000 for injury to one person, $50,000 for injuries to two or more people in one accident and $15,000 for damage to other people’s property, often written as 25/50/15. The state minimum is a starting point, not a recommendation. We’ll show you what the minimum does and doesn’t pay for, and you choose your limits. Read more in our guide to Arizona minimum auto insurance, or see what each part of an auto policy does.
Does my auto policy cover hail or a cracked windshield?Comprehensive is the part of an auto policy for damage that isn’t from a collision. Whether it pays for hail or a cracked windshield, and what you pay first as a deductible, depends on your policy’s terms, limits and exclusions. Arizona law (A.R.S. 20-264 on azleg.gov) says insurers that write comprehensive coverage must offer glass coverage with no deductible, and you choose whether to add it. We’ll show you how it works on yours.
Home insurance
Home coverage Does a standard homeowners policy in Arizona cover flooding?According to FEMA’s FloodSmart site (floodsmart.gov), most homeowners insurance does not cover flood damage. FloodSmart also says a new flood policy generally takes effect 30 days after you buy it, with some exceptions, so look into flood coverage well before storm season.
What your own policy covers depends on its terms, limits and exclusions. Email us your declarations page, or call, and we’ll go through it with you.
How do I make a home inventory for my insurance?Walk through each room and take photos or a video, saying what you see as you go. The Insurance Information Institute (iii.org) suggests these habits:
- Note where you bought each item, plus its make, model and serial number.
- Keep receipts and appraisals with the list.
- Store a copy away from home, and add big purchases as you make them.
Start small. A partial list still helps. Ask us how your policy treats jewelry, art and other high-value items.
Auto + home bundles
How bundling works If I bundle auto and home, are they still two separate policies?Yes. A bundle is your auto policy and your home policy, both written through our agency, with one team looking after both. Your policy documents spell out each one’s exact terms. See how bundling works.
What happens to my auto and home bundle if I sell the house?Call or email us before the sale closes. We’ll line up the home policy’s end date with your closing, then go over what changes on your auto policy, including any multi-policy discount. Moving into a rental? Ask about adding renters insurance alongside your auto policy, subject to eligibility and availability.
Switching to us
Get a quote Can I switch before my current policy is up for renewal?Yes. Ask your current company how canceling before the renewal date works on your policy. Then we line up the start date of your new policy with the day the old one ends, so there’s no gap in coverage.
Can I still get a quote with a ticket or an accident on my record?Yes. Tell us about it when we talk, with the rough dates. How it affects your quote depends on the details and on underwriting rules, so the clearest answer comes from running the real numbers. Have your declarations page handy.
About us and reaching us
Contact us Are you an Allstate agency?Yes. Kittelson-Gonzalez & Ballard Group (KGB Insurance) is an Allstate exclusive agency in Chandler, with more than 3,000 customers across Arizona. Your insurance is through Allstate, and our agents handle your quote, policy changes and questions by phone or by email.
Can I get help from your office on a Saturday?Yes. Our office is open Saturday 8 AM–12 PM and Monday to Friday 8 AM–6 PM. We’re closed Sunday. You can send the quote form any time, and we’ll get back to you during office hours.
Who answers the chat on this website?An AI assistant, for general questions. For quotes or policy changes, talk to a licensed agent on our team: call (480) 545-8877 or email us.
Where do you help customers, and do I need to come in?You don’t have to come in. We help customers in Chandler, Gilbert, Mesa, Tempe, Phoenix, Scottsdale and across Arizona by phone, by email or online.
Our agents answer calls and emails Mon–Fri 8 AM–6 PM and Sat 8 AM–12 PM.
¿Hablan español?Sí. Hablamos español. Llame al (480) 545-8877, escríbanos un correo o visite nuestra página en español.
Want to go deeper than a quick answer? More guides on our blog
Ask us directly
Didn’t see your question?
Call or email our agents, in English or español.
Call the office(480) 545-8877 Email usronaldballard@allstate.comAI assistant for general questions. For quotes or policy changes, talk to a licensed agent.
Mon–Fri8 AM – 6 PM Saturday8 AM – 12 PM SundayClosed Página en españolShopping before your renewal?
Send the quote form, and a licensed agent calls you to go over your options. Start a quote
How a quote works
From first question to real numbers.
Have your current declarations page handy. One short call gets you real numbers.
- 1
Tell us the basics
Use the quote form, or call us with what you want covered and your ZIP code.
- 2
Talk it through
We go over your current coverage and what we’d change, by phone, by email or at our office.
- 3
You decide
Pick your coverage. We set up the policy, get you ID cards, and send proof of insurance to your lender if you’re buying a home.
Start online or by phone.
Rather do it over the phone? Call us now at (480) 545-8877. Mon–Fri 8–6, Sat 8–12.
Get a quoteExplore coverage
Each one has its own page, in plain English.
- AutoCars, trucks and drivers
- HomeFor owners and home buyers
- Auto + homeOne agent for both
- RentersYour things, your liability
- CondoThe inside of your unit
- UmbrellaLiability above auto + home
- RV, boat & motorcycleMotorhomes, trailers and boats
- Not sure what you need?Call (480) 545-8877 and ask.
Mon–Fri 8–6 · Sat 8–12
Still have a question? Call our agents.
Ask by phone or by email, in English or español. For a quote, have your declarations page handy.
Get a quote Call (480) 545-8877