Backed by Trusted Carriers
You reach a person in Prescott who can see your policy on the screen while you are talking. Nobody here reads from a script and nobody transfers you into a queue to get rid of you.
Prescott, AZ
Insurance you canactually count on.
Good coverage, straight answers, and a local agency that knows your name and picks up the phone. Serving families and businesses across Arizona from our office in Prescott.
Call to Get a Protection Review at (928) 499-6644
Hablar con un agente en español
Tap a territory to meet your local agent, ready to help.
Flagstaff, Sedona & Quad Cities
Lindsey Banghart
(928) 499-6647
lbanghart@clinemountaininsurance.com
Eastern Arizona
Lindsey Banghart
(928) 499-6647
lbanghart@clinemountaininsurance.com
Tucson & Border
The Prescott office
(928) 499-6644
Phoenix West, Glendale & Peoria
Central Phoenix
The Prescott office
(928) 499-6644
Phoenix East & Scottsdale
Daniel “Danny” Woodhull
(480) 936-6977
dwoodhull@clinemountaininsurance.com
Cline Mountain Insurance is a local Arizona agency serving families and businesses across the state, backed by trusted, nationally recognized carriers.
What We Cover
Protection for every part of your life
From the house and the vehicles to the business, eleven lines of coverage matched to what you actually need rather than what fits a template.
Personal Lines
Homeowners
Dwelling, belongings and liability, rated for wildfire and monsoon country.
- Dwelling Coverage
- Other Structures
- Personal Property
Auto
Liability, collision and comprehensive for Arizona roads and weather.
- Bodily Injury Liability
- Property Damage Liability
- Collision Coverage
Life
Term and permanent cover sized to the people who depend on you.
- Term Life Insurance
- Whole and Universal Life
- Death Benefit
Renters
Your belongings and your liability, which a landlord's policy never covers.
- Personal Property
- Personal Liability
- Loss of Use
Landlord's
Dwelling cover, landlord liability and lost rent for the homes you let.
- Dwelling Coverage
- Other Structures
- Landlord Liability
Umbrella
An extra layer of liability above your home and auto limits.
- Excess Liability
- Legal Defense Costs
- Worldwide Coverage
Specialty
Boats, RVs, side-by-sides, classic cars and the valuables a standard policy caps.
- Boat and Watercraft
- Motorcycle Coverage
- RV and Motorhome
Business Lines
Business Owner's
Property, liability and business income, bundled for small operations.
- Commercial Property
- General Liability
- Business Income
Commercial Auto
Cover for the trucks and vans your business actually runs.
- Commercial Liability
- Collision and Comprehensive
- Uninsured and Underinsured Motorist
General Liability
Third-party injury and property damage cover, with same-day certificates.
- Bodily Injury to Third Parties
- Property Damage Liability
- Products and Completed Operations
Workers' Comp
Required in Arizona from your first hire, priced on the work your crew does.
- Medical Expense Coverage
- Lost Wage Replacement
- Permanent Disability Benefits
Why Cline Mountain Insurance
Built on trust. Driven by service.
We are not a call center and we are not an app. We are a local agency that treats every client like a neighbor, because most of them are.
True Local Expertise
We price your situation across the carriers we write with rather than against a single rate card, then tell you plainly which one fits and what the trade-off is. Sometimes the answer is that your current policy is already good.
Genuine Relationships
We review coverage annually and whenever your life changes, because a policy written around a household of two stops fitting the day it becomes a household of four with a teenager and a second truck.
How It Works
Three steps to better coverage
Straightforward, personal, and no pressure. Here is what working with the office actually looks like.
1
Talk to us
Call or send the form and tell us the situation. We listen first, with no bots and no phone tree, and build a picture of what you actually need covered.
2
Review your options
We walk you through clear, competitive quotes with the trade-offs named out loud. You will understand what you are buying and why it fits before you sign anything.
3
Stay protected
Get covered and get on with your life. We are here for annual reviews, for the things that change, and for the day something unexpected happens.
Reviews
43 reviews from our Google profile
Published on Google and reproduced here word for word, grammar and all.
What a great small business!! I recently spoke to Danny about auto insurance and he was so helpful. Definitely recommend
prezlee haavigGoogle, October 22, 2026 Jack and his staff handled all my vehicle insurance needs with the upmost professionalism and understanding. What stood out most is their attention to detail and making my personal and business interests paramount. I will recommend Cline Mountain insurance to any business or personal insurance needs!
Daniel BrownleeGoogle, October 8, 2026 I spoke with Lindsey, concerning my auto insurance. It all went rather well, working out what is best for me. Any questions that I had were clearly responded to. An easy and positive experience for me. Thank you!
Gordon CroweGoogle, October 20, 2026 Danny was super helpful! Would recommend this business all
Raj GodseGoogle, October 22, 2026
Where We Are
A Yavapai County agency, serving all of Arizona
The office is on AZ-69 in Prescott. We write across the state, and the Prescott market is the one we know street by street.
Prescott sits at roughly 5,368 feet, which puts it in a different insurance market from the low desert in almost every respect. Wildfire underwriting, freeze exposure, monsoon hail, and wildlife on the highways all change what a policy needs to do up here.
If a non-renewal letter has already landed, read what carriers actually score in the wildland-urban interface and what the state gives you 30 days to do about it.
That local knowledge is the whole reason to use an agency instead of a form. See what coverage in Prescott looks like in detail, or call and we will talk it through.
Get a Quote
Get a free quote
Say what you want covered and we will take it from there. No obligation attached to asking.
- Call the office(928) 499-6644
- Visit us1781 AZ-69 Ste #3, Prescott, AZ 86301
- Office hoursMonday to Friday, 9:00 AM to 5:00 PM
FAQ
Common questions about working with us
Which insurance companies do you work with?
Cline Mountain Insurance writes across many carriers, so your information gets priced more than one way rather than against a single company's rate card. Which one comes out best is not the same for everybody. A hail claim three years back, a teen driver, wildfire exposure, or the age of your roof can all move it.
That is the argument for having someone price it rather than filling in one website and accepting the answer.
Does going through an agent cost more than buying direct?
No. We are paid by the carrier when a policy is placed, not by you, and the same coverage costs the same whether you buy it here or through a website.
What you get for it is somebody who reads the policy with you before you sign it, and who answers the phone afterward when something changes or goes wrong.
I already have insurance. Is it worth having you look at it?
Usually yes, particularly if it has been a few years or if something changed: a new roof, a teen driver, a remodel, a move, a rental property.
Send us your current declarations page and we will tell you plainly where you stand. Sometimes the answer is that you are already in good shape, and we will say so.
What do you need in order to quote me?
Less than most people expect. For auto: names, dates of birth, and the vehicles. For a home: the address and roughly when the roof was last done.
You do not need your current policy in hand. Having it makes the comparison exact, but we can start without it and fill the gaps as we go.
Do you only write policies in Arizona?
Arizona is where we are licensed and where our clients are. The office is in Prescott, in Yavapai County, and we write across the state from there.
If you are moving out of state, tell us early. We can usually help you land somewhere sensible even where we cannot write the policy ourselves.
Who do I call when something goes wrong?
For a claim, your carrier's claims line is the fastest route and the number is printed on your policy card. That line is staffed around the clock and starting there saves you a step.
For anything else, a coverage change, a billing question, a certificate, or help getting a stalled claim moving, call the office at (928) 499-6644.
Ready to feel properly covered?
Let us find the right coverage for your home, your vehicles, your family, or your business, with an agent who picks up the phone.