Renters Insurance

If you're a renter in Arizona, you should be aware that your landlord's insurance policy doesn't cover your belongings. Thankfully, you can get the protection you need with a renters insurance policy. Custom Select Insurance can answer your questions about renters’ insurance and help you find a policy that you're satisfied with.

Is Renters Insurance Required in Arizona?

There are no renter’s insurance requirements in Arizona. However, the state does allow landlords to include renters’ insurance in lease agreements. That means that even though renters’ insurance isn't mandatory under state laws, you may have to obtain a renters insurance policy as a condition of tenancy.

What Does Renters Insurance Cover?

Also known as tenant's insurance, renters’ insurance is intended to protect the personal property of renters. Most policies cover belongings stored inside the home, including clothes, furniture, electronics, and other valuables. Depending on the policy, it may cover losses caused by theft, water damage, and natural disasters.

Some policies may also offer additional coverage, such as:

• Personal liability protection: As a renter, you could be held liable for injuries or property damage in your home. This can cover costs you're legally liable for, including your legal expenses.
• Home-based business protection: In addition to covering your personal liability, a renters insurance policy could provide liability coverage for a business based in your home.
• Loss of use coverage: If you're displaced from your rental, this coverage can help pay for your living expenses. Some policies may even provide coverage for meals.
• Identity theft protection: Repairing your credit after your identity is stolen can be difficult. This type of coverage can help pay for expenses related to identity theft.
• Medical expenses for guests: Some policies offer limited medical coverage for injured guests on your property.

Renters insurance can protect renters in many ways. Custom Select Insurance will work with you to find a policy that offers your desired coverage. Give us a call for a free policy quote!