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Affordable protection for your belongings, personal liability and more.
D&E Insurance Group helps Arizona renters compare insurance options designed to protect their belongings and provide important personal liability coverage.
Your landlord may insure the building, but that doesn’t mean your belongings and personal liability are protected.
Renters insurance can provide protection for your personal belongings, personal liability and additional living expenses after certain covered losses.
Whether you rent an apartment, condo, townhome or house, the property owner’s insurance generally doesn’t replace the personal insurance coverage you may need as a tenant.
D&E Insurance Group helps Arizona renters compare available coverage options and understand how renters insurance can help protect their belongings and finances.
A renters policy can combine several important types of protection for your belongings, liability and living expenses.
Personal Property
Renters insurance can help protect furniture, electronics, clothing and other personal belongings when they’re damaged or stolen by a covered cause of loss, subject to policy limits.
Personal Liability
Liability coverage can help protect you financially from certain covered claims if you’re legally responsible for bodily injury or property damage to someone else.
Additional Living Expenses
If a covered loss makes your rental temporarily uninhabitable, loss-of-use coverage may help with eligible additional expenses while you’re unable to live there.
Renters policies can also include additional coverage options depending on the insurance carrier, your belongings and the type of rental property.
It’s easy to underestimate how much it would cost to replace everything you own after a major loss.
Add Up Your Belongings
Consider your furniture, electronics, clothing, kitchen items, sporting equipment and other belongings. The total replacement cost can add up quickly.
Replacement Cost vs. Actual Cash Value
Replacement cost coverage generally pays eligible covered losses without deducting for depreciation, while actual cash value coverage generally considers depreciation when determining settlement.
Higher-Value Belongings
Jewelry, collectibles, fine art and certain other valuables may have special policy limits. Additional coverage or scheduling may be available for eligible higher-value items.
Creating a basic home inventory can make it easier to estimate the value of your belongings and document what you own before a loss occurs.
Renters insurance isn’t only about protecting your belongings. Personal liability coverage can be an important part of protecting your finances.
Injuries to Others
If you’re legally responsible for a covered injury to another person, your renters liability coverage may help with eligible damages and defense costs, subject to your policy.
Damage to Someone Else’s Property
Personal liability coverage may help if you’re legally responsible for certain covered damage to another person’s property.
Liability Limits Matter
A serious liability claim can cost much more than the value of your belongings. Choosing an appropriate liability limit is an important part of building your renters policy.
Some landlords require tenants to maintain renters insurance or specific liability limits as part of the lease. Even when it isn’t required, renters insurance can provide valuable financial protection.
Renters policies can often be customized with additional coverage options based on your belongings, rental and insurance needs.
Replacement Cost Coverage
Replacement cost coverage can help replace eligible personal property after a covered loss without deducting for depreciation, subject to policy terms and limits.
Water Backup Coverage
Optional coverage may be available for certain losses involving water that backs up through sewers or drains, subject to policy terms and limits.
Scheduled Valuables
Jewelry, collectibles and certain other higher-value belongings may need additional coverage because special limits can apply under a standard renters policy.
Identity-Related Coverage
Some insurance carriers offer optional coverage or services designed to assist with certain expenses associated with identity theft or fraud.
Higher Liability Limits
Increasing your personal liability limit may provide additional financial protection if you’re responsible for a serious covered injury or property damage claim.
Renters & Auto Together
Some carriers offer eligible multi-policy discounts when renters and auto insurance are placed together.
Available coverage options vary by insurance carrier. D&E Insurance Group can help you compare the coverage, limits and deductibles available for your Arizona rental.
Common questions Arizona renters ask about protecting their belongings and personal liability.
What does renters insurance cover?
Renters insurance can provide coverage for personal belongings, personal liability and additional living expenses after certain covered losses. Coverage depends on the policy, limits and exclusions.
Does my landlord’s insurance cover my belongings?
Generally, no. A landlord’s insurance typically protects the building or property owner’s interests rather than a tenant’s personal belongings. Renters insurance is designed to provide personal coverage for the tenant.
Is renters insurance required in Arizona?
Renters insurance isn’t generally required by Arizona law, but a landlord may require tenants to maintain coverage as part of a lease agreement.
How much personal property coverage do I need?
Consider what it would cost to replace your furniture, electronics, clothing and other belongings after a major loss. Creating a home inventory can help you estimate an appropriate coverage amount.
Does renters insurance cover theft?
Renters insurance may cover eligible personal property stolen as the result of a covered loss, subject to the policy’s limits, deductibles and exclusions.
Does renters insurance cover water damage?
Certain sudden and accidental water losses may be covered depending on the cause and policy terms. Flood is generally excluded from standard renters insurance and typically requires separate coverage.
Can I bundle renters and auto insurance?
Many carriers offer renters and auto insurance together and may provide an eligible multi-policy discount. Whether bundling makes sense depends on the overall coverage and premium.
Can D&E help me compare renters insurance?
Yes. D&E Insurance Group can help Arizona renters compare available coverage options, limits and deductibles from multiple insurance carriers.