Best and Cheapest Renters Insurance in Glendale, AZ (September 2024)

The best renters insurance company in Glendale, Arizona is Nationwide with a MoneyGeek score of 89 and an annual premium of $134 for $20,000 in personal property coverage. The cheapest provider is Auto-Owners Insurance with a MoneyGeek score of 94 and an annual premium of $114.

The best provider should balance customer service with affordability. Depending on your needs, Travelers is best for service quality with an annual premium of $240. We also looked into the best and cheapest renters insurance in Arizona for those who live elsewhere in the state.

The best renters insurance in Glendale, Arizona is Nationwide, with a MoneyGeek score of 89 out of 100 and an annual premium of $134. The two best renters insurance providers in Glendale for a policy with $20,000 in personal property coverage, $100,000 in personal liability, and a $1,000 deductible are:

• Nationwide: MoneyGeek score of 89 out of 100 ($134 per year)
• Auto-Owners: MoneyGeek score of 88 out of 100 ($114 per year)

The best provider in the state balances both cost and affordability. Nationwide has an affordability score of 52 out of 55 and a customer satisfaction score of 24 out of 30.

In Glendale, Arizona, Auto-Owners offers the cheapest renters insurance with an annual premium of $114 for $20,000 in personal property coverage. The two cheapest providers in Glendale are:

• Auto-Owners Insurance: $114 per year
• Nationwide: $134 per year

We rated the cheapest renters insurance in Glendale with minimal consideration for customer service.

Personal property coverage helps protect your belongings in case of damage or theft. Cheap renters insurance policies often come with low personal property coverage limits. While higher personal property coverage limits can lead to higher monthly costs, they offer better protection if you have many personal belongings.

In Glendale, Arizona, Auto-Owners offers the cheapest renters insurance for a policy with $20,000 in personal property coverage and a $2,000 deductible, with an annual premium of $112. The two cheapest providers in Glendale are:

• Auto-Owners Insurance: $112 per year
• Nationwide: $114 per year

A deductible is the amount you pay out of pocket before your insurance kicks in and can affect your rates. A higher deductible often leads to cheaper premiums, while a lower deductible means higher premiums. Balancing both is important because a higher deductible can save you money on premiums but may cost more if you need to file a claim.

Travelers offers the best renters insurance for service quality in Glendale, Arizona, with an annual premium of $240. MoneyGeek scores renters insurance providers based on J.D. Power surveys, which measure customer satisfaction. The two best providers in Glendale for a policy with $20,000 in personal property coverage — for those who value great customer service without considering affordability — are:

• Travelers: MoneyGeek score of 85 out of 100 ($240 per year)
• Nationwide: MoneyGeek score of 84 out of 100 ($134 per year)

Great customer service is important for renters looking for insurance because it ensures a smooth and stress-free experience, especially during claims. For example, when you file a claim, excellent customer service means quick responses and efficient handling of your situation.

For renters in Glendale, Arizona needing high personal property coverage, American Family is the top choice with an annual premium of $240 for a policy with $100,000 in personal property coverage. High personal property coverage means having insurance that can cover the cost of replacing your belongings in the event of a loss or damage. The two best providers in Glendale are:

• American Family: MoneyGeek score of 92 out of 100 ($240 per year)
• Nationwide: MoneyGeek score of 91 out of 100 ($266 per year)

Those who own many belongings often need higher personal property coverage, which is designed to protect items like furniture, electronics, and clothing. But higher coverage typically comes at a higher cost.

Finding a provider that offers both affordable rates and excellent service is key when you have many valuable items. High-value items such as jewelry or art may require additional coverage, as standard policies often have limits on such items.

In Glendale, USAA is the top-ranked renters insurance company for those with military backgrounds, with an annual premium of $110. The two best providers in Glendale for military members for a policy with $20,000 in personal property coverage are:

• USAA: MoneyGeek score of 100 out of 100 ($110 per year)
• Nationwide: MoneyGeek score of 89 out of 100 ($134 per year)

USAA offers a range of products tailored for those with a military background, offering discounts and coverages that suit the military lifestyle. It is also the cheapest option in Glendale for military members.

In Glendale, Nationwide offers the best renters insurance for people with poor credit, at an annual premium of $213 for a policy with $20,000 in personal property coverage. The top two best providers in Glendale for those with poor credit for the same type of policy are:

• Nationwide: MoneyGeek score of 92 out of 100 ($213 per year)
• American Family: MoneyGeek score of 91 out of 100 ($281 per year)

Renters in Glendale with poor credit often face higher insurance rates because insurance companies view them as higher-risk due to a history of financial instability or missed payments. However, improving your credit score and seeking available discounts can help in reducing these rates over time.

The average cost of renters insurance in Glendale, Arizona, is $193 annually, which breaks down to $16 monthly. This is slightly cheaper than the Arizona state average of $195 per year and more expensive than the national average of $145 per year. These rates are based on a renters insurance policy with $20,000 personal property limits, $100,000 liability limits, and a $1,000 deductible.

Renters should remember that the average cost of renters insurance in Glendale may vary greatly depending on the amount of personal property coverage you purchase. Personal property coverage protects your belongings in case of theft, fire, or other covered events. Use the calculator below to see how prices change based on the value of your personal property.

The cost of renters insurance in Glendale, Arizona, is influenced by multiple factors, including the location of the rental property and the amount of coverage desired. Understanding these variables is key to finding a policy that fits your budget and needs.

• Location: The area where you live can affect your premium due to crime rates and weather-related risks.
• Coverage Amount: Opting for higher coverage limits will increase your insurance costs.
• Deductible: Choosing a higher deductible can lower your monthly premium, but you'll pay more out of pocket in the event of a claim.
• Claims History: Renters with a history of claims may face higher premiums due to a higher perceived risk by insurance companies.
• Credit Score: Insurance companies may factor in your credit history when determining your premium, with better credit records often leading to lower costs.

Renters insurance covers personal property, liability, and additional living expenses. It protects against theft, fire and certain natural disasters. Liability coverage helps if someone is injured in your rental. Purchasing renters insurance is important for protecting your belongings and offering peace of mind in unexpected situations.

Although renters insurance provides a financial safety net, it doesn't shield against every mishap. For instance, it typically excludes flood damage and your roommate's possessions.

• Natural Disasters: Standard renters insurance often does not cover damage from floods.
• Roommate's Belongings: Personal property coverage does not extend to items owned by a roommate unless they are listed on the policy.
• High-Value Items: Expensive jewelry or electronics may exceed the policy's limit and require additional coverage.
• Business Equipment: Property used for business purposes might not be covered under a standard renters insurance policy.
• Pest Damage: Infestations and damage from pests like bed bugs or rodents are usually not covered.
• Car Theft: While personal property stolen from your car may be covered, the theft of the car itself is not.

The best renters insurance provider for you in Glendale ultimately depends on your needs. Below are some FAQs to help you make an informed decision.