Arizona Renter's Insurance

Protect What You Own with Arizona Renter's Insurance

Quick, affordable, and convenient Arizona Renters Insurance Quotes and Policies.

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Arizona Renter’s Insurance 

Purchasing a renter’s insurance policy is one of the easiest (and cheapest) ways to protect yourself and your belongings while renting your home in Arizona. A typical policy costs only $10 to $20 per month but can save you much more should unexpected damage or liability occur. 

But despite its affordability and practicality, only about half (55%) of U.S. renters currently have renter’s insurance, most of whom must have a policy per their landlord’s requirements. 

We’ve prepared this article to help you understand why you need renters insurance in Arizona and how to obtain a policy in this state—from cost and coverage to additional policies you may need.  

What is Renter’s Insurance? 

Renter’s insurance is insurance that covers specific types of losses suffered by renters during their occupation of a rental property. A typical renter’s insurance policy covers personal property, liability protection, and additional living expenses. Renter’s insurance often kicks in after damage from natural disasters, accidents, or other incidents.


An important note: Renter’s insurance does not cover the actual building itself. The physical building you live in should be covered by your landlord’s insurance. Renters insurance helps protect you and the belongings you own within the property that may be damaged or stolen.

Why Do I Need Renter’s Insurance? 

Everyone who rents their home—whether that be a single-family home, studio apartment, mobile home, townhome, condo, or other type of property— should have a renter’s insurance policy. This is because even though you don’t own the physical building you are renting, the items you keep within it (or even in your car, or elsewhere) could still be damaged or stolen.


For example, imagine that a fire occurred in your apartment complex. Your landlord’s insurance would cover the damage to the actual building, appliances, and building systems. However, your landlord is not responsible for replacing all your lost clothes, furniture, electronics, and other belongings. That’s what renter’s insurance is for.


Renters insurance policies can also cover medical or legal expenses if you are sued. For example, your renter’s insurance would apply if someone gets injured in your home and you are responsible for their medical bills.


An average renter’s insurance policy includes $20,000 – $30,000 of personal property coverage and doesn’t cost you more than a $20 bill each month. It’s a small price to pay for the great financial security renters insurance offers.

Is Renters Insurance Required?

Renters are not required by state or federal law to be insured. However, many landlords require insurance as a stipulation of the lease agreement. Regardless of whether your landlord requires renters insurance in Arizona, getting insured by a legitimate renters insurance provider is the best protection against damage, theft, or personal liability. 

What Does Renters Insurance Cover? 

Renter’s insurance has three main categories of coverage.

  1. Personal Property: Personal property refers to any belongings like clothes, furniture, electronics, etc. Your personal property is subject to limits and requires a deductible. However, your insurance will reimburse you should your personal property get damaged by disasters such as the following:
    • Fire and smoke
    • Storms, lightening, wind, hail
    • Theft
    • Vandalism
    • Explosions
    • Winter weather damage
    • Damage from infrastructure tearing, cracking, burning, etc.
    • Sudden, accidental damage from electric currents
  2. Liability: Liability coverage pays for your medical or legal bills should you be responsible for an injury on the property or damage to the property itself.
  3. Loss of use/Living Expenses: Loss of use insurance kicks in if the property you rent becomes uninhabitable due to damage or repairs. It pays for your hotel bills and even certain food expenses while you wait for repairs to be completed.


There are a few disasters renter’s insurance doesn’t cover, like flooding. It’s important to read your renter’s insurance policy to understand what is and isn’t included. If you need coverage that isn’t included, you can purchase add-on policies, such as water backup coverage, theft extension coverage, scheduled valuables coverage, or earthquake and volcano coverage.

Arizona Renters Insurance :

Renters insurance in Arizona protects you and your belongings from a range of perils. In Arizona, common disasters like fires, floods, or storms could damage your property and the items within. If your furniture, electronics, or other belongings are damaged due to a natural disaster or weather event, your insurance will pay to replace them. Renter’s insurance can also pay for legal or medical expenses if an injury occurs in your home. It’s important to be prepared and to have protection for your property should any of these disasters occur.  

How Much Does Renters Insurance in Arizona Cost? 

Many renters are understandably worried about the renters insurance cost. Fortunately, Arizona renters insurance rates are very affordable. The average renters insurance premium in Arizona in 2024 is $169, or about $14 per month. Arizona’s renters insurance premiums are slightly more expensive than the national average, but the difference is only a few dollars a month. Considering its affordability, renters insurance is a worthwhile investment for such critical protection for yourself and your belongings. 

What Are the Most Common Claims in Arizona?

In Arizona, one of the most common renter’s insurance claims is lost property from stolen vehicles. Auto theft rates in Arizona first rose in the 1980s, and by 1995 it was the highest-ranking state for auto theft in the nation. Today, renters insurance providers report that Arizona’s auto theft rate has decreased substantially; however, it nonetheless remains important to protect your belongings in case theft should occur. 

What Additional Policies Do I Need in Arizona? 

Some renters in Arizona may need flood insurance. Although most cities in Arizona do not have a high flood risk, the state still experiences between 40 and 100 floods every year. Storms or heavy rain after a fire could cause your home to flood and your belongings to be damaged. If rainfall is heavy in your area or the local topography or river-flow data where you live indicates that flooding is possible, you may benefit from purchasing flood insurance.  

Flood protection is not included in a typical renter’s insurance policy, so a separate policy is necessary. The National Flood Insurance Program (NFIP) can help you find a flood insurance policy suitable to your needs. 

How to Get Renter’s Insurance in Arizona 

Most major insurance providers offer cheap renters insurance, often bundled with auto insurance for a lower price. To determine your policy and coverage details, your insurer will typically ask you a few questions about the rental unit (such as the type of building, year it was built, and address) and the dollar value or replacement cost of high-value personal belongings you own. The best renters insurance companies will allow you to tailor your policy and coverage details to your needs. 

Get Renter’s Insurance with Innago 

Innago offers renter’s insurance through our partnership with Assurant. If you’re a renter, regardless of whether your landlord uses Innago, you can purchase a policy and get protection for you and your personal belongings. You can get quick and affordable renters insurance quotes, customize your coverage, and add an additional person onto your policy at no extra cost.