Four in ten rent and are carrying nothing
A renters policy covers belongings, liability and somewhere to stay when a unit becomes uninhabitable, and it is among the cheapest contracts sold. The building owner insures the building and nothing of yours. In a town where the rental share is this high, it is the largest uncovered exposure on this page.
The San Pedro is a real river
It runs north through the valley and it floods. No homeowners or renters policy sold in Arizona covers rising water from any source. Flood is separate, carries a waiting period, and being outside a mapped zone means nobody can require it rather than that water cannot reach you.
An interstate through a small town
I-10 brings long-distance traffic past local roads, and collisions involving out-of-state or underinsured drivers are the predictable result. Uninsured and underinsured motorist cover is what answers when the person at fault cannot.