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Find the Best Renters Insurance in Phoenix, AZ

Renters insurance isn’t always required if you’re a tenant in the Valley of the Sun, but it’s a smart purchase. For a small monthly premium, a policy protects you from financial loss if your personal belongings are damaged or stolen or if you are liable for an accident. We researched the best renters insurance in Phoenix so you find the appropriate coverage from a reputable provider.

Compare Top Renters Insurance

Policygenius
  • Best rates all in one place
  • Helped over 4.5 million customers
  • Seamless, secure online payments
  • Available in Phoenix

Wide choice of A-rated insurers!

Location
Serves residents in
Phoenix, AZ
(855) 695-2255
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EverQuote
  • Insurers for your needs & budget
  • Largest online marketplace
  • Fast, free quote comparison
  • Available in Phoenix
Location
Serves residents in
Phoenix, AZ
(855) 522-3444
Read More
American Family Insurance: John Herrera
  • M-F: 10am - 6pm
  • Closed Sat and Sun
  • agent.amfam.com/john-herrera
Location
1513 W. Thomas Rd.
Phoenix, AZ 85015
(602) 795-4825
Allstate: Amber Sarki
  • M-F: 8:30am - 5:30pm
  • Sat: 10am - 2pm
  • Closed Sun
  • agents.allstate.com/edward-vasquez-phoenix-az-3485363.html
Location
3508 N. 7th St., Ste. 115
Phoenix, AZ 85014
(480) 999-7222
State Farm: Brian Stevens
  • M-Th: 8:30am - 5:30pm
  • F: 8:30am - 5pm
  • Closed Sat and Sun
  • brianstevensagency.com
Location
21043 N. Cave Creek Rd., Ste. A12
Phoenix, AZ 85024
(602) 569-6600
Liberty Mutual Insurance
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • libertymutual.com/renters-insurance
Location
17207 N. Perimeter Dr., Ste. 100
Scottsdale, AZ 85255
(480) 483-8467
Greene Insurance Group
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • greeneinsurancegroup.com
Location
21620 N. 19th Ave., Ste. A-4
Phoenix, AZ 85027
(623) 748-7600
USAA
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • usaa.com
Location
1 Norterra Dr.
Phoenix, AZ 85085
(800) 531-8722
Farmers Insurance: Paul Pina
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • agents.farmers.com/az/phoenix/paul-pina?SourceID=AMPL001L002&utm_source=GMB&utm_medium=Local
Location
7227 N. 16th St., Ste. 116
Phoenix, AZ 85020
(602) 788-4133
Amica Mutual Insurance Company
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • insurance.amica.com/az/phoenix?utm_source=google&utm_medium=local&utm_campaign=google-local
Location
2075 W. Pinnacle Peak Rd., Ste. 110
Phoenix, AZ 85027
(888) 892-6422

How to choose rental insurance in Phoenix

skyline

The possibility of a fire or theft at your apartment or rental home in Phoenix might seem remote, but if it does happen, don’t assume your landlord’s insurance will cover it. Usually, that only extends to the physical structure of where you live, not your personal property.

That’s why having renters insurance in Phoenix is a good idea. If your clothes, furniture, electronics or other belongings are damaged or stolen, you can file a claim for a loss.

In the Phoenix-Mesa-Scottsdale areas, where over 4 in 10 households rent, claims are more common than you might think. The Valley is vulnerable to dust storms and high-speed winds that can damage personal possessions, as well as strong lightning strikes that cause power surges. Personal property crimes, including theft, are significantly above the U.S. average.

Losses following all these events are covered by renters insurance.

In addition to personal property coverage, renters insurance in Phoenix also includes:

  • Liability coverage, which pays for medical bills, repairs or replacements and legal fees if you are legally responsible for an injury at your residence or damage to someone else’s property.
  • Additional living expenses coverage, which pays the extra costs of temporary living arrangements if your rental is uninhabitable as a result of a covered event.

As with other types of insurance, total coverage limits apply, so you will want to choose yours carefully, considering the total value of your possessions and assets.

You’ll also have to meet a deductible before personal property coverage begins. And you’ll need to decide if you want to pay a bit extra to get replacement cost coverage for your personal contents, which gives you the cash to buy a new item at today’s retail prices, as opposed to actual cash value, which factors in depreciation.

How much is renters insurance in Phoenix?

One of the benefits of renters insurance in Phoenix is that it’s affordable. Premiums in Arizona rank right around the national average, costing $11 - $15 per month. Your exact amount will depend on:

  • The age and construction of your property and the neighborhood characteristics
  • The coverage limits you pick
  • Whether you have replacement cost coverage vs. actual cash value coverage
  • The deductible you choose
  • Your claims and credit history
  • Whether you have pets

Renters insurance companies in Phoenix offer discounts if you bundle policies, have home safety features, pay automatically each month or are claim-free. As you get quotes, ask agents if they have included all available savings.

Before you purchase renters insurance, ask your landlord about any special requirements. Read a policy closely so you know what to expect when filing a claim. Be sure to let an agent know if you have expensive jewelry, art or other high-value possessions, which may require scheduled personal property coverage.

Renters Insurance Reviews

Policygenius

Policygenius is an online, independent insurance broker that has helped over 4.5 million shop for insurance. Use the company’s calculator tool to figure out how much renters insurance coverage you need. Apply and get clearly explained quotes with discounts. Phoenix customers describe the experience as hassle-free and like the assistance from licensed advisors at Policygenius.

Policygenius

EverQuote

EverQuote, the largest online insurance marketplace in the U.S., provides customers a fast, free and easy way to compare renters insurance quotes. Tell the company a few things about your rental, and it will connect you within minutes to highly rated Phoenix insurers. Reviewers like the number of policy options from EverQuote, but some mention a high volume of calls and emails from agents.

EverQuote