Coverage
Renters insurance
Your landlord insures the building. Nothing in their policy covers your things or what you are responsible for. Renters insurance is one of the cheapest policies in insurance and carries real liability limits, which is the part most people do not think about until a kitchen fire or a dog bite turns into a claim against them.
What this coverage generally includes
- Personal property, at replacement cost rather than depreciated value
- Personal liability and medical payments to others
- Additional living expenses if the unit becomes uninhabitable
- Scheduled items for jewellery, instruments, cameras and equipment
- Coverage for belongings away from home, including in a car
What we will ask you
- Roughly what it would cost to replace what you own
- Whether the lease requires a specific liability limit
- Any high-value single items worth scheduling separately
- Whether you have a dog, and what breed
Worth knowing
- Most leases require it, and most people buy the cheapest limit that satisfies the lease rather than the one that would actually cover them.
- Replacement cost and actual cash value are not the same. The difference shows up at claim time, not at purchase.
- Bundling renters with auto usually costs less than the renters policy does on its own, because of the multi-policy discount.
Descriptions of coverage on this site are general summaries for information only. They are not an offer of insurance, not a contract, and not a guarantee of coverage or price. Only the policy issued by the insurance company determines what is covered. Coverage, availability, discounts and eligibility vary by carrier and by applicant and are subject to underwriting.
Other coverage we place
- AutoLiability, collision and comprehensive cover for the cars your household actually drives.
- HomeCover for the structure, your belongings, and the liability of owning a home.
- CondoThe walls-in coverage your association master policy does not provide, plus your liability.
- MotorcycleBikes, ATVs, UTVs and dirt bikes, including the gear and the custom parts.
- PetHelp with veterinary bills for accidents, illness and, on some plans, routine care.
- LifeTerm and permanent cover, sized to what the people who depend on you would need.
- BusinessGeneral liability, commercial property, commercial auto and workers compensation for Arizona businesses.
- Umbrella & specialtyExcess liability above your home and auto limits, plus the vehicles and risks a standard policy leaves out.
Get a quote, and a straight answer
Tell us what you have now and what you are worried about. We will compare the carriers we work with and walk you through the differences.