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If you're renting an apartment or home in Arizona, your space and belongings still need protection. Arizona renters insurance can help you cover the unexpected events that your landlord's policy may not cover, such as theft, water backup damage and certain natural disasters.

Whether you're living in a college dorm in Phoenix, renting your first loft in Tucson, raising a family in Mesa, or wondering what type of renters insurance Scottsdale retirement communities need, Nationwide can help you protect what's most important. Our Arizona renters policies provide reliable coverage at nationally competitive rates. Learn more about our renters insurance discounts and start your free quote today.

Is renters insurance required in Arizona?

While renters insurance is not required by law in the Grand Canyon State, your landlord may require you to purchase a policy. It’s generally a good idea to have at least some form of coverage as your landlord’s insurance is not liable for any damage to your personal property. So in the event of a fire, accident, or burglary you will be responsible for replacing your belongings.

Arizona renters coverages and discounts
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Renters insurance coverage

With Nationwide renters insurance coverage, you enjoy the security of knowing your belongings may be covered if stolen, damaged or destroyed.

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Discounts on renters insurance rates

Save money on Nationwide renters insurance coverage with these renters insurance discounts.

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Policy features that may meet the needs of Arizona renters

From Tucson to Grand Canyon National Park, if you're renting, Nationwide has renters insurance options to fit your needs. 
  • Valuables Plus®1 insurance may cover items such as jewelry, watches, antiques and fine art in the event of covered losses, including theft.
  • Medical payments renters insurance may cover others' medical expenses resulting from an accident on your property.

Nationwide agents throughout Arizona are ready to assist you

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What factors go into determining a renters insurance rate?

While the average cost of renters insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your renters insurance rate:

Location

The location of the rental property includes state and ZIP code.

Coverage

The type of coverage you choose and how much personal property and liability protection you want your policy to cover.

Deductible

The amount of money you choose to pay out of pocket can affect your renters insurance premium.

Bundle insurance policies

Nationwide offers a variety of multi-policy discount options. Choosing to bundle auto and renters insurance from the same insurance provider can potentially lower your insurance premium.

What to consider when getting renters insurance in Arizona

While known for its deserts, Arizona still has rainfall and flash floods on occasion. Renters insurance policies cover damage to property as a result of rain, hail, and high winds, but any damage as a result of a flood generally requires separate coverage.

Get a free Arizona renters insurance review

A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
  • Increase or decrease your deductible(s)
  • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
  • Review our responsive home insurance claim policy
Call Nationwide at 1-877-On-Your-Side and get your Arizona renters insurance quote today.

Nationwide coverage in Arizona

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[1] Valuables Plus is an optional feature. Exclusions and limits apply. Details vary by state and policy language. Please consult your policy for the specifics of your selected coverages.

Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.