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Best Renters Insurance in Phoenix, AZ

Oct. 18, 2019, 9:30 p.m.

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. Our partners at ConsumerAffairs researched the best renters insurance in Phoenix so you find the appropriate coverage from a reputable provider.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. ABC15 may receive compensation from our partners. Learn more.

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#1
RECOMMENDED
Policygenius

Wide choice of A-rated insurers!

#1 MOST POPULAR
Policygenius
Policygenius
Features
  • Best rates all in one place
  • Helped over 4.5 million customers
  • Seamless, secure online payments
  • Available in Phoenix
Read More
Location
Serves residents in
Phoenix, AZ
(855) 695-2255
#2
EverQuote
EverQuote
Features
  • Insurers for your needs & budget
  • Largest online marketplace
  • Fast, free quote comparison
  • Available in Phoenix
Read More
Location
Serves residents in
Phoenix, AZ
(855) 522-3444
American Family Insurance: John Herrera
American Family Insurance: John Herrera
Features
  • 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
Allstate: Amber Sarki
Features
  • 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
State Farm: Brian Stevens
Features
  • 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
Liberty Mutual Insurance
Features
  • 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
Greene Insurance Group
Features
  • 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
USAA
Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • usaa.com
Location
1 Norterra Dr.
Phoenix, AZ 85085
(800) 531-8722
Farmers Insurance: Paul Pina
Farmers Insurance: Paul Pina
Features
  • 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
Amica Mutual Insurance Company
Features
  • 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.

Policygenius

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.

EverQuote

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.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.