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Renters insurance is a critical — and affordable — form of insurance. It keeps your things safe in the event your rental property suffers damage from a common incident. Renters insurance covers belongings from fire, smoke damage, wind damage, theft, vandalism, and a collection of other events.Unlike car insurance, renters insurance isn't priced based on state-level laws. That said, there are often variations in insurance pricing by state. Renters insurance prices in states vary depending on the number and value of renters claims filed in the state, and depend on the value of the belongings covered by the policy.
Renters insurance in Arizona is less expensive than the national average. The average annual cost of renters insurance in Arizona is $157, $27 less expensive than the national average.
The easiest way to acquire an affordable renters insurance policy in Arizona is to compare rates from multiple insurance companies. Get an idea of typical renters insurance rates in Arizona by referencing the below data. Individual rates may vary depending on coverage options and the value of your belongings.
Renters insurance prices in Arizona vary depending on which insurance company you select. American Family offers the most affordable renters insurance in Arizona — $121 yearly. This compares favorably to the state's mean cost of $157, providing a 23% discount on the state's average rate.
Get a head start on looking for cheap renters insurance by reviewing the cheapest Arizona companies, listed below.
|Carrier||Average 12-Month Rate in Arizona|
Renters insurance rates in Arizona differ by city. Rates depend on city-specific variables, such as the number of claims filed in the immediate area, lending your ZIP code plenty of weight in deciding how much you pay.
The most affordable renters insurance in Arizona is found in San Tan Valley. The average renters insurance policy in San Tan Valley costs only $150 every 12 months — $24 less than the average policy in other Arizona cities. Reference the below table to see the cheapest cities in Arizona for renters insurance.
|City||Average Annual Renters Insurance Rate|
|San Tan Valley||$150|
If you're trying to save, consider purchasing your renters and car insurance policies from the same company. A renters and car insurance bundle in Arizona can lead to substantial savings on auto insurance. Purchasing bundled policies in Arizona leads to a yearly savings of $79.
|Avg. Yearly Auto Insurance Rate (No Bundle)||Avg. Yearly Auto Insurance Rate (Bundle)||Annual Bundle Savings||Bundle Savings %|
One of the best ways to save on auto insurance is to bundle your policies. Compare rates today!
Searching for renters insurance info for a specific city? Have a look at our listof the most populous cities in Arizona.
No state law requires you to carry renters insurance -- including Arizona. The only reason you might be required to carrry renters coverage is if your landlord requires it.
While coverage can vary based on your personal needs, a basic policy covers your contents, liability, medical payments, and additional living expenses up to your coverage limits.