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Renters Insurance Information
Renters Insurance in Arizona
Ayala Insurance is committed to being greater Phoenix’s trusted insurance agency, and we guarantee all our clients that we will work hand in hand with them to optimize their personal insurance coverage to their advantage. By putting your trust in us, you will get the insurance solutions that are best for you, your family and your property.
If you rent your home, then you will face unique property damage risks and liabilities that pertain to leasing the property. However, quality renters insurance will make certain that you remain safe, secure and financially stable within your home at all times.
For more information on the benefits of this coverage, contact us at 602-277-1900 or request your free, no obligation renters insurance quote
Common Renters Insurance Questions
How Does Renters Insurance Work?
Renters insurance policies are technically classified as a subset of homeowners insurance benefits. They are designed to protect tenants from various unexpected losses that might occur within the property. However, they won’t overburden the policyholder with coverage and benefits that are designed for full-fledged property owners. Therefore, you’ll have the guarantee of just the right amount of coverage necessary for your residential situation.
Why Do I Need Renters Insurance?
You need to buy renters insurance simply because you can’t guarantee that something won’t go wrong in your home.
A fire might damage your belongings, someone might burglarize your residence or you might get sued because someone claims they got hurt on your property. Renters insurance provides you with financial support in situations like these, and you can use it as a safeguard against having to pay for the related recovery costs all by yourself.
Plus, renters insurance shifts a huge amount of liability away from the landlord, who wants the assurance that they have only a minimal chance of ever being on the hook for a problem that is your responsibility. As a result, most landlords require renters insurance, and you might have to enroll in a policy in order to qualify for your lease.
What Does Renters Insurance Cover?
The average renters insurance policy will include several types of coverage, namely:
Liability Insurance: Liability coverage applies to cases where the policyholder (the renter) causes harm to a third party. If you are at-fault for someone else’s bodily injuries or property damage, liability insurance can help cover that party’s losses. Coverage can also pay for legal assistance if you get sued because of the accident.
Contents Insurance: Renters policies typically cover such personally owned items as furniture, clothing or electronics damaged by a variety of hazards, including fire & smoke, wind, hail & lightning, explosions, theft & vandalism, or water damage from burst pipes. So long as the policy covers the incident that damaged the items, you can insure almost any possession.
Living Expenses Coverage: Sometimes, damaging incidents might make the home temporarily unlivable. While the home undergoes repairs, this coverage can pay for expenses like your hotel or dining bills.
However, you can further augment your policy with other benefits like:
What Does Renters Insurance Cost?
Overall, renters insurance is far more affordable than a full-fledged home insurance policy. Generally, these policies only cost a few hundred dollars for a full year of coverage. Your precise premium will be determined by various risk factors, including the types and amounts of coverage you buy.
We are dedicated to helping every client determine which policy within our carrier networks offers them the best value for the benefits of their choice. We will also help you maximize all available policy discounts so that you can always pay the best possible price for your coverage.