KVOT. Get a Quote
Phoenix, AZ · Expanding Across the Lower 48

Coverage that reads the whole sky,
not just today's forecast.

KVOT is an independent insurance brokerage based in Phoenix, Arizona — built to handle sudden storms, long droughts, and everything between. We shop dozens of carriers so you get the right coverage at a fair price, explained in plain English. We're licensed in Arizona today and actively expanding across the Lower 48.

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AUTO HOME COMMERCIAL TRUCKING LIFE HEALTH Six lines of coverage, one point of contact
Trucking Specialists

Built for the road you actually run.

Trucking is where we spend most of our time, not a line item we handle on the side. Whether you're running your authority solo or building out a regional fleet, we speak the language — MC and DOT filings, cargo classes, non-trucking liability, and the certificate your broker needs before you're loaded and rolling.

MC & DOT Filings Owner-Operators to Fleets Fast Certificates of Insurance Direct Line to Your Agent All Cargo Classes

Owner-Operators

New authority or established, we structure coverage around your actual lanes and cargo — not a generic small-fleet template that overcharges you for risk you don't carry.

Growing Fleets

As you add trucks and drivers, your policy should scale with you. We handle mid-term additions, driver changes, and renewals without making you start over each time.

Specialized Cargo

Reefer, flatbed, auto-hauling, hazmat — specialized freight needs specialized coverage. We place it with carriers who actually understand the exposure.

Get a trucking quote One agent, start to finish — no call center, no hand-offs.
What we cover

Every policy, one broker.

We're independent, so we're not selling you one company's answer. We compare quotes across carriers and put together the coverage that actually fits your risk — not the closest thing to it.

Each line below has a quick estimator so you can see a ballpark before you talk to us. These are educational estimates, not bindable quotes — a licensed KVOT agent confirms your actual rate with the carrier.

01 / Personal

Auto Insurance

Every state requires some form of proof of financial responsibility behind the wheel, and the minimums are often not enough to protect what you actually own. We build a policy around how you drive, what you drive, and what you'd stand to lose.

State-required minimum coverage applies — limits vary by state
  • LiabilityPays for injuries or property damage you cause to others in an at-fault accident.
  • CollisionRepairs or replaces your vehicle after a crash, regardless of fault.
  • ComprehensiveCovers theft, vandalism, weather, and animal strikes — non-collision damage.
  • Uninsured/Underinsured MotoristProtects you if the at-fault driver has too little coverage or none at all.
  • Medical Payments / PIPCovers medical bills for you and your passengers, no matter who caused the accident.
  • Roadside & Rental ReimbursementTowing, lockouts, and a rental car while yours is being repaired.
Auto estimator

Illustrative only, based on general industry rating factors — not a quote from Progressive, Safeco, Travelers, Stillwater, Mercury, or any carrier. Actual premiums depend on your full driving and credit history.

Full auto quote request
Drivers
Vehicles

Selected files can't be sent automatically through this form — see the note below.

This opens an email to KVOT with your details pre-filled — nothing is submitted automatically. If you selected files above, you'll need to attach them yourself in the email window that opens, since this form can't attach them for you. A licensed agent will follow up with your quote.

02 / Personal

Home Insurance

Most states don't legally require homeowners insurance, but your mortgage lender almost certainly does — and skipping it once the loan is paid off is a gamble most people can't afford. We cover the structure, what's inside it, and your liability if someone's hurt on your property.

Typically required by mortgage lenders
  • Dwelling CoverageRebuilds or repairs the structure of your home after covered damage like fire or storms.
  • Personal PropertyReplaces belongings — furniture, electronics, clothing — that are damaged, destroyed, or stolen.
  • Liability ProtectionCovers legal and medical costs if someone is injured on your property.
  • Loss of UsePays for temporary housing and living expenses if your home is uninhabitable after a covered loss.
  • Other StructuresCovers detached garages, sheds, fences, and other structures on your property.
  • Water Backup & SewerOptional add-on for damage from backed-up drains or sewer lines, not usually covered by default.
Home estimator

Illustrative only, based on general industry rating factors — not a quote from any carrier. Actual premiums depend on a full underwriting review, including a property inspection or prior-loss report.

Full home quote request

Selected files can't be sent automatically through this form — see the note below.

This opens an email to KVOT with your details pre-filled — nothing is submitted automatically. If you selected files above, you'll need to attach them yourself in the email window that opens, since this form can't attach them for you. A licensed agent will follow up with your quote.

03 / Business

Commercial Insurance

Whether you run a storefront, a service business, or a small fleet, commercial insurance is what stands between a single incident and a business-ending loss. We size coverage to how you actually operate — not a generic small-business template.

Workers' comp required for most employers — rules vary by state
  • General LiabilityCovers third-party injury, property damage, and related legal costs.
  • Commercial PropertyProtects your building, equipment, inventory, and signage from covered losses.
  • Workers' CompensationCovers medical costs and lost wages for employees injured on the job — required for most employers, though the specifics vary by state.
  • Commercial AutoCovers vehicles owned or used by your business, including employee driving.
  • Professional LiabilityCovers claims of negligence, errors, or missed deadlines in the services you provide.
  • Business InterruptionReplaces lost income if a covered event forces you to temporarily close.
Commercial estimator

Illustrative only, based on general industry rating factors — not a quote from any carrier. Actual premiums depend on payroll class codes, loss history, and a full underwriting review.

Full commercial quote request

Selected files can't be sent automatically through this form — see the note below.

This opens an email to KVOT with your details pre-filled — nothing is submitted automatically. If you selected files above, you'll need to attach them yourself in the email window that opens, since this form can't attach them for you. A licensed agent will follow up with your quote.

04 / Business

Trucking Insurance

This is our specialty, not a sideline. Trucking has its own rules, its own carriers, and its own filings — a standard commercial auto policy won't cut it. From your first authority to a fleet with a full driver roster, we build coverage around your actual lanes, cargo, and equipment.

FMCSA minimums & state filings apply
  • Primary LiabilityMeets FMCSA minimums for bodily injury and property damage you cause while operating.
  • Physical DamageCovers the truck and trailer against collision, fire, theft, and weather damage.
  • Motor Truck CargoProtects the freight you're hauling against loss or damage in transit.
  • Non-Trucking LiabilityCovers owner-operators when driving under their own authority, off-dispatch.
  • Trailer InterchangeCovers trailers you don't own but are pulling under an interchange agreement.
  • General Liability & BobtailCovers non-cargo liability and the truck when driven without a trailer attached.
Trucking estimator

Illustrative only, based on general industry rating factors — not a quote from any carrier. Actual premiums depend on MC/DOT history, driver qualification files, and equipment specifics.

Full trucking quote request
Trucks
Trailers
Drivers

Selected files can't be sent automatically through this form — see the note below.

This opens an email to KVOT with your details pre-filled — nothing is submitted automatically. If you selected files above, you'll need to attach them yourself in the email window that opens, since this form can't attach them for you. A licensed agent will follow up with your quote.

05 / Life & Health

Life Insurance

Not an easy conversation, but an important one. A policy only pays out when someone has died — which is exactly why it's worth setting up while you don't need to think about it. We help you put a plan in place so the people who depend on you are protected.

  • Term LifeAffordable coverage for a set period — often used to cover a mortgage, income, or child-rearing years.
  • Whole LifePermanent coverage that also builds cash value over time.
  • Fixed AnnuitiesA guaranteed stream of income, often used to supplement retirement.
  • Fiscal & Retirement PlanningHelp structuring savings, beneficiaries, and payout timing around your goals.
Life estimator (term)

Illustrative only, based on general industry rating factors — not a quote from any carrier. Actual premiums are set after a full application and, for larger amounts, a medical exam.

Full life quote request

Selected files can't be sent automatically through this form — see the note below.

This opens an email to KVOT with your details pre-filled — nothing is submitted automatically. If you selected files above, you'll need to attach them yourself in the email window that opens, since this form can't attach them for you. A licensed agent will follow up with your quote.

06 / Life & Health

Health Insurance

Illness and injury don't wait for good timing. We help you find coverage that keeps an unplanned medical event from becoming a financial one — for you or your family.

  • Individual & Family HealthMedical coverage for routine care, emergencies, and prescriptions.
  • Disability InsuranceReplaces a portion of your income if illness or injury keeps you from working.
  • Medicare SupplementFills the gaps left by Original Medicare's coverage.
  • Long-Term CareCovers extended nursing or in-home care not covered by standard health plans.
  • Travel MedicalCovers emergency medical costs incurred while traveling outside your home coverage area.
Why KVOT

Insurance built around your actual life.

Today's lifestyles need insurance that flexes with them. At KVOT, you get real choice in your coverage, a broker who adapts as your needs change, and one of the widest ranges of protection available — wherever we're licensed to write your policy.

When you sit down with us, we ask about your work, your household, and your health — then size a policy to fit, instead of handing you a generic package. You leave knowing exactly what you're covered for, and you can reach us directly if anything changes.

Carriers we place coverage with
ProgressiveSafecoTravelersStillwaterMercury& more
Where we're licensed

KVOT is licensed in Arizona today and actively pursuing licensure across the rest of the Lower 48. If you're outside Arizona, reach out — there's a good chance we'll be able to help soon, and we can point you in the right direction in the meantime.

  • Personal InsuranceAuto · Home · Umbrella
  • Commercial InsuranceFleets · Liability · Workers' Comp
  • Life & Financial ServicesFixed Annuities · Planning
  • Health InsuranceIndividual · Medicare Supplement
  • Long-Term CareDisability · Medical
  • Travel InsuranceMedical Coverage Abroad
Marko Knezevic, Owner and Principal Agent of KVOT Insurance
Owner / Principal Agent

Marko Knezevic

Phone: 480-707-8110
Email: marko@magelangroup.com
The person behind KVOT

Marko Knezevic

Marko is the founder and principal agent of KVOT. He spent over three years as an agent with American Family Insurance Company — including nine months as an agent-in-training — before opening his own agency in Scottsdale, Arizona in June 2013. Within two years, he was named Agent of the Month for the state of Arizona, and later runner-up for American Family's best-agent award across every state the company operates in. He was twice honored as an "All American Agent," earned a Gold Key award for commercial sales, was inducted into the Life Diamond Club for the state's top life insurance premium volume in 2014, and was named Financed Agent of the Year that same year.

Background

Marko was born in Goražde, in what was then Yugoslavia and is now Bosnia and Herzegovina. When the Bosnian war reached his family, his parents fled with him to Belgrade, Serbia, where he lived until he was 15 and the family was granted refugee status to immigrate to the United States. He attended Saguaro High School, where he played varsity soccer for three years, then earned an Associate Degree from Scottsdale Community College and a Bachelor of Science in Political Science from Arizona State University. At 23, he founded Ultimo LLC, a luxury transportation company serving greater Phoenix.

Marko married Annie Sandweg in 2010. They have four children — Oliver (11), Vida (9), Teodor (8), and Katarina (3) — and live in the North Central neighborhood of Phoenix.

In the community

Marko is an active member of the Serbian Orthodox Church in Phoenix, where he previously served a term on the church board, and currently serves as board president of the Arizona Serbian American Professional and Business Network. He also sits on the organizing board for the annual Serb Fest. That connection to Phoenix's community of former Yugoslavians has shaped much of how KVOT does business. Outside of that, Marko supports local charities including St. Vincent de Paul and JDRF.

Get in touch

Come talk to us.

Stop by our Phoenix office, or reach out directly — we typically respond the same business day.