Tenants are told renters insurance covers their belongings, and it does, with one exception large enough to matter in a desert city on a flood plain.
Flood is excluded from every renters policy sold in Arizona. Tenants can buy flood cover separately and almost none do.
Three things about water arriving across the ground.
Every renters policy sold in Arizona excludes flood, meaning water that arrives across the ground from outside. Homeowners hear about flood cover because lenders require it in mapped zones. Tenants have no lender, so nobody raises it, and in a city with washes and monsoon runoff that silence is expensive.
Flood policies are available to renters for personal property alone, without insuring any building, and they are inexpensive. Very few tenants know the option exists, which is the main reason it is not taken up.
Flood cover typically does not take effect for a number of days after purchase, so it cannot be arranged when a storm is forecast. It is a decision to make in a quiet month.
The exclusion nobody mentions to tenants.
Proximity to a wash or basin matters more than the map.
Inexpensive, available to tenants, and almost never offered.
It has to be arranged before it is needed, not during.
Send the address and we will look at what is upslope before quoting.
We raise the flood question with tenants, because nobody else does.
Request a quote