Arizona Renters Insurance

I have been in the insurance business for 27 years and over that time I see this scene every Christmas…..  The evening news is showing a fire truck, with lights flashing and in the background is an apartment complex that is smoldering.  People are standing out in the street wrapped in blankets and the news reporter asks, “Do you have any insurance?”

For the cost of a mere pizza, these people would have a place to go, new clothes to wear and the ability to start again.  They not only will survive, but they will not be financially broken!

In Arizona, we are finding more and more apartment complexes requiring Renters Insurance in order to move in.  I am hoping that next Christmas, the answer to the reporter is, “We are going to be fine.  We have Renters Insurance.”

Arizona Renters Insurance Quote

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People wonder why they would even need Arizona renter’s insurance. They generally draw two conclusions. First is that they do not have enough possessions to make it worth buying renter’s insurance in Arizona. Second, they think the insurance premiums would be sky-high. They are wrong on both counts. Statistics have shown the average Arizona renter owns $20,000-$25,000 in possessions such as clothing, electronics and furniture, more than enough to be insured. These same statistics also show that the average premium for renter’s insurance in Arizona is just over $200 per year, which averages out to about $18 per month.

There are differences in coverage between insurance companies. Deadbolt locks and smoke detectors can reduce premiums. A good credit score can lead to lower premiums, as some companies use these to assess financial risk. Others give discounts for being a loyal customer, and some will offer discounts for packaging various insurances like car, life and health. Higher deductibles can also lower costs. A $1,000 deductible can save up to 30%. Just be sure you can afford to pay more out of pocket if necessary.

Arizona residents should remember that renter’s insurance doesn’t protect against floods, earthquakes and improper work done to the home, but will protect against other natural disasters. This insurance is a must for any Arizona renter who desires peace of mind at an affordable price.