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Renters Insurance Arizona

When you think of Arizona the first thing that comes to mind is the heat. Arizona’s heat is only the start of nature’s fury. The desert here can bring dust storms, flash floods, extreme lightning strikes and tornadoes. If you rent a home, apartment or condominium then your landlord’s homeowners insurance does not cover the contents of the rental property. Renters insurance can protect your belongings from the weather threats listed above.

Image, for a second, that you are home watching your favorite television show or football game. Your brand new flatscreen TV is producing the best picture you have ever seen. Your sound system is pumping. A strong thunderstorm approaches your rental home, and lightning strikes the house frying the flatscreen and stereo. Would you be able to replace those items out of pocket? Arizona renters insurance will cover these items and replace them in the case of a lightning strike or other weather disasters.

Shopping for renters insurance in Arizona is fast and easy. Fill out some basic information about your rental home and belongings and start receiving renters insurance quotes instantly. Our network of insurance agencies compete for your business. This ensures you receive the best rate for the coverage you need. The National Association of Insurance Commissioners reported that the average renters insurance rate in Arizona is around $200 per year. Get your free quote today and see how little you can pay to protect your belongings!

Types of Arizona Renters Insurance

Most renters insurance policies provide two basic types of coverage:

  • Personal property coverage pays to repair or replace personal belongings if they are damaged.
  • Liability coverage provides protection against a claim or lawsuit resulting from bodily injury or property damage to others caused by an accident on the premises.

There is additional coverage you can opt to include in your plan. Additional coverage protects expensive items such as jewelry and art. Although additional coverage is good to have in case of an accident or theft, this coverage may not fully cover the items. Appraise these items prior to consulting your agent to assess whether or not the items will be fully covered.

Actual cash-value coverage takes into account the depreciated value of the damages or stolen item. Meaning, if you bought a TV three years ago and it was stolen, the actual cash-value of the item would be less then it was when you bought it.

Replacement cost coverage, on the other hand, will reimburse the full value of the item that has been damages or stolen.

Who Needs Renters Insurance in Arizona?

Anyone who rents a house, apartment or condo needs to protect their belongings with rental insurance. The type and amount of coverage depends on your needs. For example, if you are a college student you probably have thousands of dollars in clothes, books, electronics and furniture. Your income is probably minimal. You should consider replacement cost coverage. This way, if something gets stolen you will receive the full amount you paid for the original item. Get quotes from agents in your Arizona city whether that be Gilbert, Phoenix or Glendale.