More homes in Flagstaff are rented than owned. Cover for your things, your liability and somewhere to sleep when the building you live in becomes uninhabitable in January.
Owner-occupancy here is 42.3%, the lowest of the three cities we write for. Renting is the normal case, not the exception.
Three uses that come up far more often than burglary, which is what most people picture.
Loss of use is the coverage nobody reads and the one that matters most here. If a pipe lets go upstairs in February and the unit is uninhabitable, this is what pays for the room you have to rent while it dries out. In a town with a tight rental market and a cold winter, that is not a small benefit.
The policy on the building pays to repair the building. It does nothing for your laptop, your gear, your bike or your bed. People discover this split after a loss with striking regularity, usually while standing in a unit that is no longer theirs to use.
If someone is hurt in your unit, or you damage the unit itself, that is your liability rather than the owner's. It is the cheapest part of an already cheap policy and the part most likely to be the reason you needed one.
Actual cash value depreciates a four-year-old laptop to very little. Replacement cost pays what a new one costs. The difference in premium is small and the difference after a loss is not.
A policy covers the people named on it. Two people splitting a flat usually need either both names on one policy or a policy each, and assuming otherwise only surfaces at claim time.
Renters forms exclude rising water exactly as homeowners forms do. A ground-floor unit below a burn scar is worth a conversation about contents flood cover, which exists and is inexpensive.
Tell us roughly what your things are worth and whether anyone else is on the lease. Renters cover is inexpensive and the limits still deserve two minutes of thought.
We read it and call you back. No pressure and no upsell on a policy this size.
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