Renters Insurance in Arizona

Looking for world-class renters insurance? Lemonade has you covered in the Grand Canyon State.

Whether you’re a Wildcat at the U of A in Tucson, or a ski bum living her best life in Flagstaff, renters insurance coverage will have your back when life takes unexpected turns.

Lemonade makes things as simple as possible, too. We know you’re busy (plus less time muddling through an insurance sign-up means more time for hiking the Superstitions). With our intuitive app, getting a policy will take mere minutes.

Plus, Lemonade is a certified B Corporation, and we donate leftover premiums to charities that you choose. That’s sweet indeed.

What does Lemonade renters insurance cover in Arizona?

Okay, if you’ve done your research or talked to friends then you probably have an inkling that renters insurance is a great hedge against life’s uncertainties. But you might not have a great handle on what policies actually cover…

No sweat! It’s all easier than you might think.

Renters insurance will be helpful in many circumstances. Here are a few.

Personal Property

‘Personal property’ coverage protects your stuff, even if you’re out of your apartment or traveling. It includes things like theft, as well as damage from a variety of named perils.

Loss of Use

Let’s say you’re forced to vacate your pad due to covered losses (like a fire or windstorm). That’s rough, but thankfully ‘loss of use’ coverage provides reimbursements for a temporary place to stay. It should also kick in for additional living expenses such as food, laundry, hotel parking, and more.

Liability protection

Okay, so you’re visiting your friend’s chic new Phoenix loft for drinks. After one mimosa too many, you trip and fall over a Noguchi coffee table, which breaks. Awkward! If anyone on your policy causes damage to someone else’s property or stuff your insurer should have you covered.

Medical protection

If you’re having a get-together at your Scottsdale duplex, and a guest takes a tumble down your spiral staircase, another component of your policy will be a real lifeline. Your insurer covers medical costs if your guests get injured at your place, or if you accidentally hurt people outside of your home as well. But here’s a big thing to keep in mind: Renters insurance does not cover medical costs if you or someone residing with you are injured—only non-residents and people visiting.

Tailor your coverage

There’s no one-size-fits all formula for coverage amounts. Make an honest accounting of the value of your stuff, to start. Your landlord also might require you to have a certain amount of personal liability coverage. Don’t worry, changing your coverage options isn’t tough with Lemonade’s Live Policy.

What does Lemonade renters insurance in Arizona protect me against?

It’s impossible to predict the future and know what tricky, dangerous, or awful stuff might happen. If you’re reading this, we hope things always go well! But as we know, stuff happens. When it does, are you covered against someone stealing everything you hold near and dear? What about damage from chaotic weather?

Your policy covers you and your stuff for damages (or ‘perils’ in insurance speak), including theft, fire, vandalism, and water damage from things like a pipe bursting in your Travers City apartment.

Here’s a list of the perils that are covered under your base policy:

• Fire or lightning
• Windstorm or hail
• Explosion
• Riots
• Aircraft
• Vehicles
• Smoke
• Vandalism
• Theft
• Falling objects
• Weight of ice, snow, or sleet
• Accidental discharge or overflow of water or steam
• Sudden and accidental tearing, cracking, burning, or bulging
• Freezing
• Volcanic eruption
• Sudden, accidental damage from artificially generated electrical current

How much is renters insurance in Arizona?

According to ValuePenguin.com, the average price of renters insurance in Arizona is $18/month as of 2024. (FYI, the average price for Lemonade Renters insurance across the U.S. is $14/month.)

Of course, the easiest way to determine your price is to start a quote—it’s quick, easy, and 100% digital!

How can I lower my renters insurance cost in Arizona? 

Here are a few ways to save money on your Lemonade renters insurance payments. 

1. Bundle your Lemonade insurance policies

One of the easiest ways to save money on your renters insurance is to bundle it with our car, pet, or life insurance.

When you bundle your policies, you’ll be eligible for a Lemonade bundle discount. The more policies you bundle, the more you’ll save.

2. Install security devices

Your home doesn’t need to be ‘smart’ in order to install some devices that will help to lower renters insurance cost. Start with a standard fire alarm and burglar alarm, and you’ve already lowered your risks (for additional tips to secure your home, check out this post). And lowered risks equals lowered premiums. Which equals more lattes?

3. Increase your deductible

Another way to save on your renters insurance payments is to increase your deductible. Your deductible is the amount you’ll need to pay out-of-pocket before your insurance coverage kicks in.

By increasing your deductible, you can lower your monthly premium.

4. Adjust your coverage

Lastly, you can adjust your coverage to fit your needs. The more coverage you have, the higher your premium will be. If you’re looking to save money, consider reducing your coverage to only what you need. Just be sure that you have enough coverage to protect your belongings and liability, and to meet any requirements for coverage that may be laid out in your lease agreement.

Don’t forget: You can always update your coverage limits, whenever and wherever, on the Lemonade app with no brokers or paperwork involved.

Your Lemonade renters insurance quote in Arizona

You may have friends who have told you that getting renters insurance was a real drag. We’d bet that they didn’t sign up with Lemonade, where we’ve made the whole process pretty painless and even…fun?

We used artificial intelligence and automation to streamline our customer experience. Just head to the Lemonade app, answer a few questions, and AI Maya will mull things over behind the scenes and give you a quote instantly.

Making changes is simple too. If you ever need to tweak your coverage because your landlord asked you to, or if you realized your stuff is worth way more than you thought, you can do it on the app instantly using Lemonade’s Live Policy feature.

And Lemonade’s claims experience is instant, too. If anything bad happens, simply chat with AI Jim, our claims handling bot, and quickly tell him what happened.

Best part? All leftover premiums go to a charity you choose at the end of the year through our Giveback program.

Is renters insurance required in Arizona?

While there’s no legal requirement to carry renters insurance, a lot of landlords will demand that you have it… and you are required to abide by the terms of your lease. So in those cases, you would have to get insurance.

In order to demonstrate that you actually signed up, most landlords and property managers require you to provide proof of your policy before you sign your lease. Sometimes, they’ll also ask for proof of insurance each time you renew your lease.

Why? Usually, landlords want to make sure you have enough personal liability coverage for renters within your policy. They might also check to make sure you have enough personal property coverage for your stuff.

So that they’re kept in the loop, your landlord can ask to be made an interested party, so they’ll be notified if you abandon your policy. That way, they can make sure you don’t cancel your policy right after you provide proof that you have one. Nice try!

What’s the right amount of coverage?

The coverage amounts you choose for each category are up to you—tailor them according to what you need.

• You should choose your personal property coverage amount based on the value of the stuff you own, and how much it would cost to replace it.

• What about setting your ‘loss of use’ coverage? Consider all of the expenses you could rack up beyond your normal daily budget (such as a place to stay, food, laundry, your commute, etc) if your home becomes unlivable for an extended period of time.

For a more in-depth look at this topic, check out this resource on how much renters insurance you need.

And if you’re eager to learn even more about the specifics of our policies, take a look at this comprehensive FAQ! Best of luck, and congrats for making the smart decision to get renters insurance.

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A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.