featured renters insurance

Renters Insurance

Arizona has a population of more than 6 million people. Of those, more than 15 percent are renters. Worse still, less than half of them have renters insurance.

If you live in a rented apartment or home, you might be tempted to think that because your landlord has insured the building, you don't need insurance. Your landlord’s insurance policy covers only the building and not your personal belongings.

What’s Renters Insurance?

A renters insurance covers you for the loss, damage, and theft of your personal belongings. It has a technical name, HO-4 policy, which protects your property against specific perils.

Renters Insurance/H0-4 Policy Covers:

  • Personal property against losses resulting from fire, vandalism, theft, falling objects, and more.
  • Personal liability and medical bills to cover those injured in your rented apartment or home. That relieves you the liability without a lawsuit against you.
  • Temporary living expenses after your apartment or home becomes uninhabitable.
  • Credit card/bank forgery that involved unauthorized access to your home and theft of your cards used to shop for goods illegally.
  • Other people's items such as a laptop, or an iPhone you had borrowed.

What’s not Covered under Renters Insurance?

Just like with several other policies, there are circumstances whereby your renter insurance policy will not cover your property:

  • In the occurrence of a natural disaster from flooding, and earthquakes. Hurricanes or even sinkholes.
  • High-value luxury items such as jewelry. We advise that you buy a separate policy for your jewelry.
  • Damage to property due to terrorism and nuclear war.
  • Vehicle – vehicle insurance policy covers that.

Are you a tenant in Arizona? Get renters insurance today and cover your personal belongings against unexpected losses. Genesis Insurance in Phoenix, AZ has a rating tool where you can find a quote for auto & home insurance. If you need to discuss a policy or get quotes for other types of insurance, you can also call us or visit us at our office in Phoenix, AZ.


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