Arizona Renters Insurance Quotes
Renters insurance in Arizona is an affordable way to protect your personal belongings in case of theft, fire, or water damage.
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Why is Renters Insurance in Arizona a Necessity?
Arizonans who rent an apartment or home are seeing the value of buying an Oasis Insurance renters insurance policy. Unfortunately, there are significant risks that can wipe out your personal property in seconds. If a fire or wind storm destroyed your rented home, or a burglar stole all your electronic items, would you have stacks of cash sitting around to replace your personal belongings? If not, you could suffer a complete loss. Oasis Insurance is here to eliminate the worries and help you understand what losses can result if you’re not sufficiently covered.
Can I Afford Renters Insurance Coverage in Arizona?
Not all coverage is created equal, but all Oasis Insurance renters insurance policies are incredibly cost-effective and affordable. A nationwide average of monthly coverage in Arizona is $22.00 a month; however, you can buy protection for a little as $5.00 a month. Also, where you live may affect your premium amount, especially if you live in an area that experiences seasonal weather events such as hurricanes.
How Much Rental Insurance Coverage Do You Need in Arizona?
On average, two-bedroom apartments or homes will accommodate about $30,000 to $40,000 worth of personal property. Often consumers don't realize how much they own, but even the insignificant daily items can add up to a hefty price ticket. Therefore, it's a good idea to do a home inventory room by room before deciding on coverage amounts to avoid losing money on replacement costs.
What Does an Oasis Insurance Renters Insurance Policy Cover?
Oasis Insurance cheap renters insurance policies are designed to cover everyday personal belongings that you use regularly. In fact, our rental coverage allows you to cover the cost of your losses quickly and efficiently when theft or other events happen. The type of items covered included:
- Electronics (TV’s, DVD Players, Stereos, iPods, Speaker Systems, Computers, etc.)
- Tools, Power Equipment
- Toys, Gaming, Recreational Toys, Books, Hobby & Home Office Equipment, Cameras
- Small & Large Appliances (Mixers, Irons, Vacuums, Washer/Dryer, Refrigerator, etc.)
- Cookware, Dishware, Silverware, Glassware, Décor, Bedding, Towels, Beauty Tools
- Meds or other Healthcare Necessities Owned
Accidents are just a part of life, but our liability coverage provides sufficient protections in all areas to offset your financial responsibility and forego a big loss.
- Accidental Damage to Neighbor’s Property
- Dog Bites
- Mishaps Like Overflowing Tub
- Visitor Injuries
- Medical Payments
- Payments for Legal Proceedings
Loss of Use
- Reimbursement for additional living expenses incurred due to required vacating of your rental home temporarily for repairs.
What Isn't Covered Under a Renters Insurance Policy?
Flood or earthquake damage is not covered in standard renters insurance policies. If you live in an area prone to earthquakes, seasonal hurricanes, or flooding, you will need a separate policy to cover potential damage. Negligent or intentional damage caused by poor behavior or unwise decisions will not be covered.
What Happens If You Don’t Have Renters Insurance in Arizona?
Without a renters insurance policy, you will suffer a complete loss. Also, being caught without renters insurance can catastrophically set you back financially in funds and assets. You’ll be responsible for replacing all of your personal belongings should your rental home or apartment be destroyed in a fire. Not only will this be a financial and inconvenient hardship, but a major loss of assets will take years to recover from.
Am I Required to Have Renters Insurance in Arizona?
Unlike car insurance, there are no state laws that demand you to carry renters insurance. However, your landlord may require renters insurance as a stipulation in your lease.
Are There Limits to How Your Personal Belongings Are Covered?
Some companies have stringent limitations regarding renters policies, and others will only pay out a maximum lifetime dollar amount. Our experienced Oasis Insurance agents will set your mind at ease with our fair and affordable coverages. Also, our agents can help you determine whether you want to invest in replacement cost value insurance or actual cash value insurance.
Get Cheap Renters Insurance Coverage Online In Minutes
Oasis Insurance skilled insurance agents can give you a quote over the phone or online in just minutes. Just fill out our online form, and a representative will contact you immediately to help you choose the best coverage for the best rate. Or you can give us a call at 1-800-330-5190. It’s that simple with Oasis Insurance. Hurry and eliminate the worry today by clicking on Arizona’s renters insurance online form.