Cheap Renters Insurance in Arizona: Fast Online Quotes
Arizona’s dry, desert climate and vast, sweeping mountains to the north offer a little something for everyone. Between the Grand Canyon and Route 66, there’s so much to see and do in Arizona – no wonder people are flocking there, especially during the winter for those snowbird rentals!
If you’ve taken up residence in Arizona, congratulations! We’re super excited for you. Prepare for vast desert landscapes, snowy capes up north and both summer and winter experiences that can’t be beaten. We’re excited to dig deep and connect you with Arizona renters insurance using some of our affordable quote options, bringing you the best renters insurance for your personal needs.
Do I have to have it Arizona renters insurance?
Even if you already live in your rented dwelling and you don’t yet have it, your landlord can require you to have insurance on file. Even though the law doesn’t require it, most landlords do – so prepare to get that insurance policy on record, and start thinking about your premiums if you haven’t yet.
Around 35% of dwellers in Arizona rent, which is slightly lower than the national average. Rent across Arizona is around $1000, much lower than some metro areas you’ll find throughout the country. You can expect rents around a median of $1000-1200 near the University of Arizona’s Tucson campus, so you might want to get a roomie! Arizona’s ASU campus is located in various spaces around Phoenix, so rents may vary.
How much is renters insurance in Arizona?
You can get cheap renters insurance in Arizona – at only $15 a month or $187 per year, these prices are on the lower end of the national average.
Your premium pricing is based on a variety of factors, including:
- Materials your home is made out of;
- Whether you live in the inner city or suburbs;
- If there is a business on the premises;
- Whether or not you have dogs;
- Your credit score;
- If a previous policy has a cancelation or claim attached to it;
- Your fire protection district;
- Burglar alarms, keyed entry, etc.
Additionally, your deductible will likely fall in the $500 range.
When you get your quote, your premiums will be broken down into a monthly payment. So, if you’re being asked to pay on a $187 annual term, the cost of your insurance will be $15 a month.
What should I get?
For starters, we recommend $20,000 for personal property insurance. This is typically more than enough to cover your personal belongings. When we work with customers on personal property coverage, we typically hop on a call, discuss an itemized list of the client’s belongings and go through anything we might feel is missing, or provide additional coverage where necessary.
We also recommend $100,000 for liability and medical coverage. If someone is injured on your property, and you’re found medically responsible, you don’t want to be out of pocket for the often overwhelming cost of these medical bills. $100,000 ensures that you can make medical payments if such an accident or injury should happen.
We also recommend loss of use coverage at around $1000. If you can’t use your home facilities, you’ll still need to cook, access a shower and basic living needs. Loss of use coverage can help you recoup inflated expenses due to the loss of use of your home.
Here are the major cities in Arizona, with the potential for higher renters rates:
What is covered in Arizona?
Arizona may not be subject to hurricanes or earthquakes, but Arizona residents can still experience severe winter weather in the northern part of the state. Wind storms, dust, and ice and wintry mix weather in the northern part of the state are a problem annually. Damage to property and personal belongings is possible, especially with such varied terrain and climate throughout the year.
It’s important to discuss RCV and ACV with your agent. RCV refers to replacement cost value – the actual cost of replacing your items – and ACV refers to the actual cash value. In most cases, replacement cost value is best during a claim due to the depreciation factor of the cost value.
How much coverage do I need?
We find that most of our carriers have some type of coverage limit, and those can vary from state to state. It’s a good idea to work with us to figure out whether or not those coverage limits might negatively affect your policy, as we can add or subtract when necessary.
Are discounts available?
We love connecting our customers with the best possible discounts – and we can’t wait to get you discounts that will bring down the total cost of your insurance! Whether you’re also looking to bundle auto, life, motorcycle or another type of insurance, carriers LOVE it when you bundle. They want your business, and they want to reward you for being a loyal customer when you open up multiple lines with them.
- Bundle discounts (renters, auto, etc.)
- Advance quote discounts (paying in advance of the quote start date can help you save)
- Burglar alarm or security alarm discounts
- “Pay in full” discounts … and more!
You can also save by addressing your credit score before you apply. If it’s on the low side, a credit boost, paying off a credit card or something similar could help you get lower rates once you apply. There are plenty of ways we can help you save, so talk to us about your specific situation and let’s get you an affordable rate.
Get Arizona Renters Insurance Quotes Online
We love working with our Arizona customers to find the best possible quotes! Let’s talk about what a cheap Arizona renters insurance policy can do for you. Making sure you and your family are protected is our top priority, and we can find a premium that works for you while getting you the coverage you and your family need to feel safe in your rental.
Feel free to contact us so we can discuss the particulars of your situation, what the right insurance policy for you might look like, and how we can help you save.