Renting a home or apartment offers flexibility and convenience, but your landlord’s insurance won’t cover your personal belongings in case of theft, fire, or other disasters. That’s where renters insurance comes in. At Riseson Insurance , we help renters across Tempe , Phoenix , Scottsdale , Tucson , Gilbert , and Chandler get the protection they need—without overpaying. Here are five essential tips for buying renters insurance that will give you peace of mind.

Renters insurance typically includes three types of coverage:

Personal Property Coverage – protects your belongings against fire , theft , vandalism , and more. Liability Coverage – covers you if someone is injured in your rental or you accidentally damage someone else’s property. Loss of Use Coverage – helps pay for living expenses if your rental becomes uninhabitable.

Make sure to review what’s included and if there are any exclusions (like floods or earthquakes ).

Before purchasing a policy, take a detailed inventory of your personal property. Document everything from electronics and furniture to clothing and kitchenware. This helps you:

Choose the right coverage amount Speed up claims if you ever need to file one

Use your smartphone to take photos or videos and store receipts when possible.

When comparing renters insurance policies, check whether they offer:

Actual Cash Value (ACV) : Pays the depreciated value of your items. Replacement Cost : Pays what it costs to replace items with new ones of similar quality.

While replacement cost policies may have a slightly higher premium , they’re often worth it when you need to replace your laptop, TV, or furniture.

If you already have auto insurance , ask your provider about bundling it with renters insurance. Many insurers offer multi-policy discounts , which can significantly lower your monthly premium. At Riseson Insurance, we specialize in finding bundling options that save you money while maximizing coverage.

Working with a local agent gives you access to personalized service and local insights. An Arizona-based agency like Riseson Insurance understands the unique risks and needs of renters in Tempe, Phoenix, Scottsdale, Tucson, Gilbert, and Chandler. We’ll walk you through your options, answer your questions, and tailor your policy to fit your lifestyle and budget.

Renters insurance is affordable, smart, and essential. Don't wait until disaster strikes—get peace of mind today.

Contact Riseson Insurance at 602-460-5470 or visit us in Tempe to get a personalized quote.

Learn more about how we can help at RisesonInsurance.com.

1. Understand What Renters Insurance Covers

2. Take Inventory of Your Belongings

3. Consider Replacement Cost vs. Actual Cash Value

4. Bundle Your Policies for Savings

5. Choose a Local Insurance Agent Who Knows Arizona

Get Covered Today

• Personal Property Coverage – protects your belongings against fire , theft , vandalism , and more.
• Liability Coverage – covers you if someone is injured in your rental or you accidentally damage someone else’s property.
• Loss of Use Coverage – helps pay for living expenses if your rental becomes uninhabitable.

• Choose the right coverage amount
• Speed up claims if you ever need to file one

• Actual Cash Value (ACV) : Pays the depreciated value of your items.
• Replacement Cost : Pays what it costs to replace items with new ones of similar quality.