Renters insurance · Chandler, AZ

Renters insurance for your Arizona rental.

Your landlord’s policy is written for the building, not your things. KGB Insurance quotes renters insurance for apartments, casitas and rental homes, and helps you get the proof your lease asks for.

Get my renters quote Call (480) 545-8877

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

A renters policy includes

• Your belongings
• Your liability
• Extra living costs

The building is theirs. What’s inside is yours.

Renters insurance helps pay for three things that are yours: your belongings, your liability, and a place to stay if a covered loss makes your rental unlivable.

A quick example

A kitchen fire in the unit next door fills your apartment with smoke. Your renters policy is what can help clean or replace your smoke-damaged clothes, couch and laptop, and help pay for a hotel while the place is fixed, depending on its terms, limits and exclusions.

“They explained everything clearly and made sure I felt confident in my decisions.”Kneo Knight, Google review

Have your declarations page or lease handy

One short call gets you real numbers. Renting for the first time? Have your move-in date, the insurance section of your lease and a rough idea of what you own ready, or email us a photo of the lease page.

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

What it covers

What does renters insurance cover?

Renters insurance has three basic parts, per the Insurance Information Institute (iii.org): your belongings, your liability and additional living expenses after a covered loss. What each pays depends on your policy’s terms, limits and exclusions.

• Your belongings

  Helps repair or replace your things after a covered loss. Your policy lists the causes of loss it covers. Ask us what yours includes.

  • Furniture, clothes and kitchen gear
  • Laptops, phones and TVs
  • Bikes and sports gear

• Your liability

  Helps pay when you’re responsible for someone else’s injury or damage to their property.

  • A guest slips and gets hurt
  • Your leak damages the unit below
  • You’re sued over an injury or damage

• Additional living expenses

  If a covered loss makes your place unlivable, helps with the extra costs while it’s repaired.

  • A hotel or temporary rental
  • Extra food costs when you can’t cook at home
  • Other added costs of living elsewhere

Which policy to check

Your landlord’s policy vs. your renters policy.

A general guide. What a policy pays for a loss depends on its terms, limits and exclusions. Your lease and your policy documents have the exact terms.

If this happens	Landlord’s policy	Your renters policy
Damage to the building itself: walls, roof, structure	Written for this	Not written for this
Your furniture, clothes, electronics or bike are damaged or stolen	Not written for this	Written for this
A guest is hurt in your place and you’re responsible	Not written for this	Written for this
You need a hotel while a covered loss is repaired	Not written for this	Written for this

Signing a lease?

A renters quote built on your lease.

Your lease may require renters insurance. Send us the insurance section of your lease and your move-in date. We’ll quote coverage for what your lease asks for and help you get proof to your landlord.

Start my renters quote Email your lease

How it works

Renters coverage in three steps.

1. 1

   Tell us the basics

   Use the quote form, or call us with your ZIP code and what your lease asks for.

2. 2

   Go over what you own

   We add up what it would cost to replace your things and help you choose a limit, by phone, by email or in our office.

3. 3

   Choose and start coverage

   Pick your coverage and a start date. We set up the policy and help you get proof to your landlord.

Google reviews

Arizona customers, in their own words.

4.8 ★★★★★

4.8 / 5 average · 86 reviews

78 of them are five stars

Read more reviews ★★★★★Google review

Kittelson-Gonzalez and team did a great job. I’m very happy with the results. … They worked around my work schedule to keep me up to date on status of request while quote was in process. Excellent team work and customer service!

MSM S ★★★★★Google review

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

GMGonzalo Moreno ★★★★★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. Thanks

MMMike Mckinnon ★★★★★Google review

Ronnie made us feel like family, answered all of our questions, and talked us through any concerns we may have had.

WRWillie Ryan

Questions

Renters insurance questions, answered.

Is renters insurance required in Arizona?

Check your lease: a landlord or property manager may require it as a lease term. Not sure what yours says? Email us the insurance section and we’ll tell you what it asks for.

I don’t own much. Do I still need it?

If a guest is hurt in your place, or a leak you caused damages the unit below, you could be responsible for the cost no matter how little you own. The liability part of a renters policy is written for that, up to your limits.

How much renters coverage do I need?

Start with what it would cost to replace everything you own at today’s prices: bed, couch, clothes, phone, laptop, kitchen. We’ll walk through it with you room by room, so the limit is based on what you own, not a guess.

My landlord needs proof of insurance. Can you help?

Yes. A lease may ask for a minimum liability amount, and for the landlord or property manager to be listed on your policy. Tell us what yours asks for. We’ll quote coverage for those terms and help you send proof to your landlord.

Can you look at my renters and car insurance together?

Yes. If you also drive, we review both with you: one agent and one conversation for your car and the place you rent. See auto insurance for what we look at on the car side.

When should I get a renters quote?

Before you move in. Start the quote form and tell us your move-in date when we call, and we’ll quote your renters policy ahead of it, so you can choose a start date that matches your move-in and have proof ready for your landlord.

Read the guide: Renters insurance in Chandler is for your things, not the building

Related coverage

Other coverage from KGB Insurance.

• AutoReview it with your renters
• CondoOwn a unit in an HOA
• HomeReady to buy a house
• Not sure what you need?Call (480) 545-8877 with what you own or drive, and we’ll tell you which policy fits.

Open Mon–Fri 8–6 · Sat 8–noon

Moving in soon? Start your renters quote.

Call or email us with the insurance section of your lease. We’ll quote coverage for what it asks for and explain it in English or Spanish.

Get my quote Call (480) 545-8877