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This is not an easy answer.  Different insurance companies will have different formulas on determining your insurance premium; one of which can be claim frequency and severity.  It is our recommendation to discuss your specific claim with our claims manager to see if turning in a claim makes sense.  However, all possible liability claims need to be turned in; as the insurance company needs to be put on notice.

Who is Manzanita Insurance?

We are an independent insurance agency headquartered in Prescott Valley, Arizona.
Our goal is to help you get the right insurance coverage at the right price.

Customer Success Stories

Why our customers love us.

Manzanita Insurance - Family Fall Portrait

Client Reviews.

“I was in need of a business policy FAST and Adam did just that. I was beyond excited and impressed that he was able to make this happen. It was also SUPER reasonable! We have since changed all our policies over to him and saving a ton of money every year! Thank You Adam!!!”

– Missy R.

“Manzanita Insurance is the best in town! Adam helped me with all my questions and concerns! He maintains professionalism and proficiency during the entire process! Thank you Adam!”

– Amanda B.

“Adam was great to work with, listened to understand our unique needs, and put together an insurance plan we are happy with.”

– Greg G.

Ready to get started with Manzanita Insurance?