Arizona renters insurance

If you're a renter in the Grand Canyon State, Arizona renters insurance through Progressive can protect your belongings, help cover you if you’re liable for injuries or damages, and more. Get a renters insurance quote for anywhere in Arizona, from Tucson to Phoenix, and start a policy for less than $1/day.*

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Arizona renters insurance coverages

Check out the four standard coverages on nearly all Arizona renters insurance policies:

  • Personal property protects your personal belongings, including furniture, clothing, and electronics, whether they're inside your apartment or elsewhere
  • Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss
  • Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property
  • Medical payments to others pays for medical expenses due to a covered occurrence

Additional coverages

The best renters insurance in Arizona is always a policy with customized coverage. Here are some extra options for when you need more protection:

  • Add a rider: Certain valuable items, like jewelry, may have specific limits on your renters policy. If your item exceeds the limit, you may be able to purchase an endorsement called a rider for your policy to cover the item for its value.
  • Personal injury coverage: May pay for legal fees and damages if you're liable for slander or defamation.
  • Water back-up coverage: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by a standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.

Learn more about all of our renters insurance coverages.

Is renters insurance required in Arizona?

Arizona renters insurance isn't required by law, but landlords or rental companies may require it as a condition for moving in. Even if your new place doesn't require renters insurance, it's an affordable way to cover your belongings and certain living expenses if you're forced to move while your rental is being repaired or rebuilt due to a covered loss.

Is renters insurance worth it in Arizona?

Renters insurance is an inexpensive way to carry valuable protection in a variety of circumstances:

  • If your vehicle is ever stolen, your Arizona renters insurance may help pay to replace personal belongings that were taken in the vehicle, such as laptops or sporting equipment.
  • In the case of a fire, your landlord's insurance or your rental company's policy may cover structural damage to your rental home or unit but won't typically cover your belongings. However, a renters insurance policy may help pay to replace your damaged items.
  • Injuries in your rental home or unit may also be covered by renters insurance. If you have a party and someone gets hurt, renters insurance may pay for their medical bills, up to your policy's limit.

Did you know...?

Personal property coverage on a renters insurance policy can cover your belongings even when you're on the move, or when you've stashed your stuff in a storage unit.

How much is renters insurance in Arizona?

Progressive renters policies in Arizona had an average monthly price of $17.25 or $206.97 for an annual policy in 2023.** Many factors can influence the cost of renters insurance in Arizona, including your location, type of rental, and coverage limits. For instance, renters insurance in Phoenix for an apartment might have different rates than a rental house in the suburbs. Learn more about renters insurance cost factors.

For help determining how much personal property coverage you need, use our personal property calculator, which helps you estimate the value of your possessions.

Bundle you Arizona renters with auto insurance and save!

You may be able to bundle your renters and auto insurance to earn a discount. Learn more about bundling insurance at Progressive.

There may also be discounts that are only available in your state or county. Call 1-866-749-7436 or speak to a local agent to help ensure you're getting all applicable discounts.

How can I save on renters insurance in Arizona?

Take advantage of discounts to help lower the cost of renters insurance in Arizona. Progressive offers discounts for bundling policies, quoting in advance, paying in full, and living in a secured or gated community. Learn more about renters insurance discounts.

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Please note: The above is meant as general information to help you understand the different aspects of insurance. Read our editorial standards for Answers content. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.