You, Apartment Damage, and Your Renters Insurance – Arizona


Interestingly enough, to many individuals who rent rather than own their housing, the idea of “Homeowners Insurance” seems not to apply to them.  This is not, however, necessarily the route to go.  If you are one of those who prefers to rent, then you really need to consider Renters Insurance – Arizona, as this will help protect your property and belongings at the very least.

Typically, an HO4 (Renters Insurance) policy will cover the following issues:


  • Fire or Lightning
  • Windstorm or Hail
  • Explosion
  • Riot or Civil Commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism
  • Theft
  • Volcanic Eruption
  • Falling Object
  • Weight of ice, snow or sleet
  • Water-Related Damage
  • Electrical Surge Damage

Believe it or not, where your apartment is located may actually increase the possibility of damage to your apartment and possessions.  If you live on the top floor, or in a single story Rental Unit, you have a greater chance of damage due to roof damage. Things that can damage a roof include, but are not limited to:

  • Tree limbs
  • Animals
  • Poorly Maintained Gutters
  • Wind, Hail and Ice
  • Damaged Flashing

“The longer you have lived in a Rental Property,” Jim Bivona of Bivona Insurance Group, an insurance brokerage firm in Glendale, Arizona, advised, “the more apt you are to need a Renters Insurance Policy.”  After all,” he explained, “as buildings get older certain things become ‘suspect” – such as wiring and insulation.”

Obviously, you will want to make sure that your Renters Insurance Policy covers everything you now own.  In fact, here are several things to remember when you are purchasing a Renters Insurance Arizona:

  • Find our from a friend or relative the name of an agent they trust
  • Ask about discounts
  • Keep a list of all your personal property off premises
  • Check the theft provision of your policy
  • Report all theft claims to the police promptly
  • Keep a record of the serial numbers of your most valuable possessions

If you have not reviewed your Renters Insurance Policy recently, get hold of your agent for more information.  Or, if you prefer, you can contact Jim Bivona at 623-256-1000 and he and his staff will be happy to review your policy and advise you whether or not you have proper Renters Insurance coverage at the best rates possible.

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