Landlord insurance · Arizona

Insurance for your Arizona rental and the rent it brings in.

A duplex in Mesa, a condo in Tempe or the house you moved out of. KGB Insurance quotes coverage for the building, your liability as the owner and rent lost to covered damage, by phone or by email.

Get my landlord quote Call (480) 545-8877

• 4.8 from 86 Google reviews
• Hablamos español
• Mon–Fri 8–6 · Sat 8–12

★★★★★Google review

“Excellent service; they always answer calls and provide courteous, friendly service. Highly recommended.”

Gonzalo Moreno

What does landlord insurance cover?

A landlord policy is written for a home someone else lives in. It can include the five parts below, and what each one pays depends on the policy’s terms, limits and exclusions.

We go through each part with you, one property at a time, using your current declarations page.

The parts of a landlord policy

• Dwelling can help repair or rebuild the rental after a covered loss.
• Liability can help if someone is hurt on the property and you’re held responsible.
• Loss of rental income can help replace the rent you miss while covered damage is being repaired.
• Other structures can help repair things like a detached garage, a shed or a block wall.
• Landlord’s property can help replace things you own and keep there for the tenant, like the appliances you supply.

Which of these are available depends on the property. We’ll tell you which apply to yours.

KGB Insurance

Licensed agents · English and Spanish

• Serving all of Arizona
• Allstate exclusive agency

“Outstanding service from start to finish. My agent was knowledgeable, patient, and truly cared about finding the right policy for me. They explained everything clearly and made sure I felt confident in my decisions. I appreciate the responsiveness and professionalism—definitely a 5-star experience!”

Kneo Knight, Google review

Have your declarations page handy

One short call gets you real numbers. Or email us a copy if that’s easier.

• 4.8★From 86 Google reviews
• 3,000+Arizona customers
• Hablamos españolEnglish or Spanish
• Call or email usMon–Fri 8–6 · Sat 8–12

Arizona rentals

What we look at on an Arizona rental.

Four things that can change the limits or coverage a rental needs.

• Monsoon wind and hail

  Summer storms can damage roofs, windows and block walls. We compare your dwelling and other structures limits with what it would cost to rebuild.

• Empty months between tenants

  Tell us how long the place may sit empty. Vacancy can change what a policy covers.

• Pools and liability

  A pool or a busy walkway means more ways for someone to get hurt. Ask us about your liability limits and umbrella coverage on top.

• Your tenant’s own policy

  Your policy is written for your building. Your tenant’s furniture and belongings need their own renters insurance.

Side by side

Your landlord policy and your tenant’s renters policy.

Two policies, two jobs. Here’s what each one is written for.

Plain-English summary. What each policy covers depends on its terms, limits and exclusions.

What’s at risk	Your landlord policy	Your tenant’s renters policy
The building itself	Can cover	No
Garage, shed or block wall	Can cover	No
Your liability as the owner	Can cover	No
Rent you lose during covered repairs	Can be included	No
Appliances you supply	Can be included	No
Your tenant’s furniture and belongings	No	Can cover
Your tenant’s own liability	No	Can cover

Moving out, keeping the house?

Call us before the first tenant moves in.

A homeowners policy is written for a home you live in. Once you rent it out, you usually need a landlord policy instead.

• We review your current homeowners declarations page
• We time the switch around your move‑out and the lease start
• We quote your next place too, whether you buy or rent

Quote my rentalHome insurance for your new place

Google reviews

Thorough, patient and quick to answer.

4.8 ★★★★★

4.8 / 5 average · 86 reviews

78 of them are five stars

★★★★★Google review

A minor issue came up on my home policy review, Barb got on it, reminded me (a couple of times) and got it successfully resolved. The definition of customer service.

DGDavid Girle ★★★★★Google review

People here are great… The folks here fought & got this resolved.

MMMike Mckinnon ★★★★★Google review

Excellent customer service!! Very happy with the outcome of the bundle insurance we purchased.

NVNely Valero ★★★★★Google review

Ronald is a great agent, is always answering questions when needed and fast responder!

FRFernando Rico

How it works

A landlord quote in three steps.

1. 1

   Tell us about the rental

   Use the quote form, or call us with the rental’s ZIP code.

2. 2

   Go over the coverage

   We take the building, your liability and the rent coverage one at a time, by phone or by email.

3. 3

   Choose your coverage

   You pick the limits and deductible. We go over your policy documents with you, in English or español.

Own more than one rental?

Call or email us the list. We’ll go through each property with you.

Call (480) 545-8877Email us

Questions

Landlord insurance questions, answered.

I already have homeowners insurance on the house. Is that enough?

Usually not once you rent it out. A homeowners policy is written for a home you live in. Call us before the first tenant moves in and we’ll quote a landlord policy to replace it.

Does my landlord policy cover my tenant’s belongings?

No. Your policy is written for your building and your liability as the owner. Your tenant’s furniture, clothes and electronics need their own renters insurance policy.

What happens to the rent if a covered loss makes the home unlivable?

Loss of rental income coverage can help replace the rent you would have collected while covered damage is repaired. We’ll show you how it would work on your quote before you buy.

I rent out a condo. How does that work with the HOA’s policy?

The HOA’s master policy is written for the shared parts of the building. Send us its insurance summary and we’ll go over what it leaves to you as the unit owner. Our condo insurance page has more.

What do I need for a landlord quote?

The property’s address or ZIP code, how it’s rented, roughly when it was built, and your current declarations page if you have one. You can email us a copy before we talk.

Can you quote my rental and the home I live in together?

Yes. We can quote a landlord policy for the rental and a home or condo policy for the place you live, and one team answers questions on both. Each policy is subject to eligibility and availability.

I own several rentals. Can you quote all of them?

Yes. Send us each property’s ZIP code, and we’ll go through them with you one at a time. Each policy is subject to eligibility and availability, and what it covers depends on its terms, limits and exclusions. Email us the list if that’s easier.

Related coverage

Other policies KGB Insurance quotes.

• UmbrellaExtra liability coverage
• HomeThe home you live in
• RentersFor your tenants
• Not sure what you need?Call (480) 545-8877

Mon–Fri 8–6 · Sat 8–12

Quote your rental before the next lease starts.

Call us, or email us a copy of the property’s current declarations page.

Get my quote Call (480) 545-8877 Email us