Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
If you rent in Peoria, your landlord's insurance only covers the building, not your personal belongings or liability. Renters insurance protects your possessions and shields you from potential liability if someone is injured in your rental unit.
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There are two policies on the building you live in and only one of them is yours. Your landlord insures the structure: the walls, the roof, the plumbing. That policy does nothing for your furniture, your laptop, your clothes, or the bill that arrives if a guest is hurt in your unit or your dog bites someone at the park.
Renters insurance is the second policy. It is usually the cheapest thing on this whole website, and it is the one most people put off longest. Landlords and property managers across the West Valley increasingly require it before they hand over keys, with a minimum liability limit written into the lease.
The part worth understanding is liability. Personal property is the reason people buy the policy; liability is the reason it is worth having. A renters policy defends you and pays a judgment against you up to your limit, whether the incident happened in your apartment or somewhere else entirely.
The other underrated piece is loss of use. If a fire in the next unit makes yours unliveable, your landlord owes you nothing towards a hotel. Your renters policy does.
At a glance
Renters insurance in Arizona
Required by law
No. Frequently required by the lease.
What your landlord covers
The building only. Not one thing inside your unit.
What you cover
Your belongings, your liability, and temporary housing.
Coverage travels
Your property is generally covered outside the unit too, including in your car.
Bundles with
Auto. The multi-policy discount often offsets much of the cost.
What is included
Three lines, straight from the policy. The third one is the reason to buy a limit higher than the lease minimum.
602-480-6453Renters
Declarations
Personal property
Replacement cost for stolen or damaged personal items.
Ask specifically whether the policy pays replacement cost or actual cash value, because on electronics and furniture that difference is large.
Temporary housing
Temporary housing costs if you are displaced.
A fire, a burst pipe or smoke damage from a neighboring unit can make a place unliveable without anything of yours burning.
Liability coverage
Liability coverage for guest injuries or damage you cause to another's property, including the unit itself.
This is the coverage that follows you rather than the address.
Illustration of how a declarations page is laid out. Not a real policy.
The line that matters
This is the whole idea in one drawing. The outer shell of the building sits on the landlord's policy. The box inside it, your furniture, your clothes, your computer, the bike on the balcony, is on yours or on nobody's.
People underestimate the contents number badly. Walk one room at a time and add up what it would cost to replace the contents today, at retail, all at once. A one bedroom apartment usually lands higher than the owner guessed, and a renters policy is priced off that number.
High-value items sit outside the ordinary limit: an engagement ring, a camera kit, instruments, tools. Those get scheduled separately, and it is a five minute conversation at quote time rather than an argument at claim time.
The shell is the landlord's policy. The shaded interior and everything in it is yours. Liability travels with you and is not drawn here at all.
We are a small, local, independent agency, so a small policy gets the same honest attention as a big one. We check more than one company for your renters cover and tell you in plain words what each quote actually includes.
Renters is the policy most agents will not spend twenty minutes on because the commission is small. We will. It is often somebody's first policy, and it feels good to help a person get that right from the start. A renter today may be shopping for a first home in a few years, and we would love to be there for that too.
What we will ask you
What liability limit does your lease require, and is that limit actually enough for you
Roughly what would it cost to replace everything in the unit today
Is there anything valuable enough to schedule separately
Do you have a car policy we should be bundling this with
Stillwater is often a strong market for renters and condo, and we can quote it alongside the rest without you filling in the same form over and over.
Both sides of this come from what the two policies actually say, not from a scare tactic.
No renters policy
A fire, a break-in or a burst pipe means replacing everything you own out of pocket.
A guest injured in your unit is a bill with your name on it and no defense paid for.
If the unit is unliveable, the hotel is yours to fund.
Many West Valley leases treat it as a breach of the lease.
With a renters policy
Your belongings are replaced up to your limit, including things stolen out of your car.
Liability defends you and pays a covered judgment against you.
Loss of use pays for somewhere to stay while your place is repaired.
Bundled with auto, the discount on the car policy often covers a good part of the cost.
In their words
5.0 stars across Google and Facebook
“
Shield of Faith Insurance made getting renters insurance simple and affordable, after talking to a few other brokers, they were the ones who helped me get the best coverage with no stress!
AF
Ahmad F.
Google and Facebook
I had a really good experience working with Shield of Faith Insurance. I needed new rental insurance as I was moving apartments. I got sent details on the policy next day and all I had to do was sign the forms. I ended up with a really good deal and saved about 20% compared to my old policy. I reached out to him again about auto insurance as well. I have had Geico for over 5 years and my premiums had only gotten more expensive. He somehow ended up getting me more coverage for half the price I was paying before. The entire process was easy and Mena was very responsive to email and text. Would highly encourage you to take a look and see what type of deals he can make for your insurance policies.
David G. · Google
Great experience with this insurance agent! He helped me find a good price for my car insurance and made the whole process easy and stress-free. Very helpful, honest, and professional. Highly recommend!
Ramez Y. · Google
I had a great experience with Shield of Faith Insurance! Mena took the time to understand our family's needs and explained each part of the coverage clearly. He helped us set up a home insurance policy with stronger protection and bundled it with our auto insurance for a package at a lower cost. What stood out most was his honesty and patience, he focused only on what truly benefited us, making the whole process simple and stress-free. We now have better coverage and peace of mind thanks to Mena. Highly recommend!
Hanna K. · Google and Facebook
I had a fantastic experience with Shield of Faith Insurance! Mena was incredibly patient and took the time to walk me through every detail of the coverage options. He made sure I understood the benefits clearly and only recommended what truly made sense for my specific situation. Thanks to Mena, I now have an auto policy that provides much better coverage at a significantly lower cost than what I was paying before. The entire process was smooth and efficient. He handled most of the backend work, which saved me a lot of time and hassle. If you're looking for an honest, knowledgeable, and helpful insurance agent, I highly recommend Mena at Shield of Faith Insurance!
Sara Z. · Google
Every review above is quoted in full from Google or Facebook. Read all of them.
How much does renters insurance cost in Arizona?
It depends on your contents limit, your liability limit, your deductible and your ZIP code, so we do not publish a price. It is consistently the least expensive policy we write, and bundling it with your auto insurance usually reduces the auto premium enough to offset much of it. Call for a real number rather than an average.
Does my landlord's insurance cover my belongings?
No. Your landlord's policy covers the building itself. It does not cover your furniture, electronics, clothing or anything else inside your unit, and it does not cover your personal liability.
Am I covered if my things are stolen out of my car?
Generally yes. Renters insurance follows your property rather than the address, so belongings taken from your vehicle are usually covered under your policy rather than your auto policy. Your deductible still applies.
My lease requires renters insurance. What limit do I need?
Leases usually specify a minimum personal liability limit and sometimes name the property manager as an interested party. Send us the page of the lease that says so and we will make sure the policy satisfies it, then tell you whether the minimum is actually enough for your situation.
Can I add renters insurance to my car insurance?
You can carry both with the same carrier and the same agent, which is what most people mean. That combination usually triggers a multi-policy discount on the auto side. Ask for both quoted together.
Free and no obligation
At Shield of Faith Insurance, we make it easy to compare options and find affordable coverage. Whether you need auto insurance, homeowners insurance, life insurance, or specialty coverage in Peoria, AZ, we're here to help.
Contact our Peoria office today to request your free, no-obligation insurance quote and discover how we can help you protect what matters most.
Call or text anytime during the business week. Evenings and Saturdays by appointment.
What happens next
1
A real person from our office calls you back with real numbers.2
No robo-dialers and no spam calls.3
You pick the coverage, we handle the paperwork.Service area
Renters insurance in Peoria, AZ is one of the least expensive policies we write, and we place it across Glendale, Surprise and Sun City too. If your lease just asked for proof, or you are pricing cheap renters insurance in Arizona, or you need apartment insurance in Peoria before a move-in date, send us the page of the lease that states the requirement and we will build the policy to satisfy it.
The 60 second version
Tell us what you own and how to reach you. We will do the comparing.
No robo-dialers and no spam calls. A local agent follows up personally. Sending this does not bind coverage.
Most renters policies can be issued the same day, with proof of coverage sent straight to your property manager.
