Best and Cheapest Renters Insurance in Glendale, AZ (September 2024)


Updated: September 13, 2024

Advertising & Editorial Disclosure

The best renters insurance company in Glendale, Arizona is Nationwide with a MoneyGeek score of 89 and an annual premium of $134 for $20,000 in personal property coverage. The cheapest provider is Auto-Owners Insurance with a MoneyGeek score of 94 and an annual premium of $114.

The best provider should balance customer service with affordability. Depending on your needs, Travelers is best for service quality with an annual premium of $240. We also looked into the best and cheapest renters insurance in Arizona for those who live elsewhere in the state.

Table of Contents
MoneyGeek Logo IconBest & CheapestRentersGlendale, AZ
2024

Why Trust MoneyGeek? To determine the best renters insurance in Glendale, Arizona, we evaluated data from the Arizona Department of Insurance and Quadrant Information Services.

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Renters insurance premiums in Glendale represent the most competitive estimates as of September 2024.

2,880Quotes Analyzed
 
8Providers Analyzed
 
2ZIP Codes

Overall Best Renters Insurance in Glendale, AZ

The best renters insurance in Glendale, Arizona is Nationwide, with a MoneyGeek score of 89 out of 100 and an annual premium of $134. The two best renters insurance providers in Glendale for a policy with $20,000 in personal property coverage, $100,000 in personal liability, and a $1,000 deductible are:

  • Nationwide: MoneyGeek score of 89 out of 100 ($134 per year)
  • Auto-Owners: MoneyGeek score of 88 out of 100 ($114 per year)

The best provider in the state balances both cost and affordability. Nationwide has an affordability score of 52 out of 55 and a customer satisfaction score of 24 out of 30.

Company logo for Nationwide
Best OverallNationwide
MoneyGeek Score:
89/ of 100

Overview

Nationwide ranks first in coverage in Glendale, Arizona, with an annual premium of $134. Credit card forgery coverage pays for unauthorized transactions on your credit cards and bank debit/ATM cards, as well as forged checks and counterfeit money. Theft from vehicles coverage extends protection to your personal belongings stored in or on any motor vehicle, trailer, or watercraft.

Best Renters Insurance in Glendale, AZ
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
NationwideMoneyGeek Score89Annual Premium$ 134
Auto-Owners InsuranceMoneyGeek Score88Annual Premium$ 114
American FamilyMoneyGeek Score86Annual Premium$ 160
AllstateMoneyGeek Score83Annual Premium$ 119
State FarmMoneyGeek Score81Annual Premium$ 192
TravelersMoneyGeek Score76Annual Premium$ 240
FarmersMoneyGeek Score49Annual Premium$ 388

Cheapest Renters Insurance in Glendale, AZ

In Glendale, Arizona, Auto-Owners offers the cheapest renters insurance with an annual premium of $114 for $20,000 in personal property coverage. The two cheapest providers in Glendale are:

  • Auto-Owners Insurance: $114 per year
  • Nationwide: $134 per year

We rated the cheapest renters insurance in Glendale with minimal consideration for customer service.

Personal property coverage helps protect your belongings in case of damage or theft. Cheap renters insurance policies often come with low personal property coverage limits. While higher personal property coverage limits can lead to higher monthly costs, they offer better protection if you have many personal belongings.

Cheapest Renters Insurance in Glendale, AZ
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Auto-Owners InsuranceMoneyGeek Score94Annual Premium$ 114
AllstateMoneyGeek Score90Annual Premium$ 119
NationwideMoneyGeek Score91Annual Premium$ 134
American FamilyMoneyGeek Score86Annual Premium$ 160
State FarmMoneyGeek Score81Annual Premium$ 192
TravelersMoneyGeek Score74Annual Premium$ 240
FarmersMoneyGeek Score41Annual Premium$ 388

Cheapest Renters Insurance With a High Deductible Glendale, AZ

In Glendale, Arizona, Auto-Owners offers the cheapest renters insurance for a policy with $20,000 in personal property coverage and a $2,000 deductible, with an annual premium of $112. The two cheapest providers in Glendale are:

  • Auto-Owners Insurance: $112 per year
  • Nationwide: $114 per year

A deductible is the amount you pay out of pocket before your insurance kicks in and can affect your rates. A higher deductible often leads to cheaper premiums, while a lower deductible means higher premiums. Balancing both is important because a higher deductible can save you money on premiums but may cost more if you need to file a claim.

Cheapest High Deductible Renters Insurance in Glendale, AZ
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
Deductible:
Deductible:$ 2,000
Auto-Owners InsuranceMoneyGeek Score88Annual Premium$ 112
NationwideMoneyGeek Score92Annual Premium$ 114
AllstateMoneyGeek Score83Annual Premium$ 119
American FamilyMoneyGeek Score87Annual Premium$ 150
State FarmMoneyGeek Score80Annual Premium$ 184
TravelersMoneyGeek Score79Annual Premium$ 205
FarmersMoneyGeek Score49Annual Premium$ 359
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HOW TO SET YOUR DEDUCTIBLE

When selecting a deductible for your insurance policy, ensure it's an amount you can pay out of pocket if you need to file a claim. If you can afford it, opting for a higher deductible could decrease your annual premiums, leading to savings over time while still providing the financial protection you need.

Best Renters Insurance for Customer Service in Glendale, AZ

Travelers offers the best renters insurance for service quality in Glendale, Arizona, with an annual premium of $240. MoneyGeek scores renters insurance providers based on J.D. Power surveys, which measure customer satisfaction. The two best providers in Glendale for a policy with $20,000 in personal property coverage — for those who value great customer service without considering affordability — are:

  • Travelers: MoneyGeek score of 85 out of 100 ($240 per year)
  • Nationwide: MoneyGeek score of 84 out of 100 ($134 per year)

Great customer service is important for renters looking for insurance because it ensures a smooth and stress-free experience, especially during claims. For example, when you file a claim, excellent customer service means quick responses and efficient handling of your situation.

Company logo for Travelers
Best Service QualityTravelers
MoneyGeek Score:
85/ of 100

Overview

Travelers ranks first in customer satisfaction and coverages in Glendale, Arizona, making it the top choice for renters. With an annual premium of $240, it is the cheapest provider in the area.

Travelers offers contents replacement cost coverage, which ensures your personal property is replaced at its current value without depreciation. This is beneficial for renters because it provides full compensation for lost or damaged items. Additionally, valuable items insurance covers high-value items like jewelry and fine art, offering extended protection without needing appraisals or item listings.

Best Renters Insurance for Service Quality in Glendale, AZ
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
TravelersMoneyGeek Score85Annual Premium$ 240
NationwideMoneyGeek Score84Annual Premium$ 134
American FamilyMoneyGeek Score83Annual Premium$ 160
State FarmMoneyGeek Score77Annual Premium$ 192
Auto-Owners InsuranceMoneyGeek Score72Annual Premium$ 114
FarmersMoneyGeek Score68Annual Premium$ 388
AllstateMoneyGeek Score63Annual Premium$ 119

Best Renters Insurance for High Personal Property Limits in Glendale, AZ

For renters in Glendale, Arizona needing high personal property coverage, American Family is the top choice with an annual premium of $240 for a policy with $100,000 in personal property coverage. High personal property coverage means having insurance that can cover the cost of replacing your belongings in the event of a loss or damage. The two best providers in Glendale are:

  • American Family: MoneyGeek score of 92 out of 100 ($240 per year)
  • Nationwide: MoneyGeek score of 91 out of 100 ($266 per year)

Those who own many belongings often need higher personal property coverage, which is designed to protect items like furniture, electronics, and clothing. But higher coverage typically comes at a higher cost.

Finding a provider that offers both affordable rates and excellent service is key when you have many valuable items. High-value items such as jewelry or art may require additional coverage, as standard policies often have limits on such items.

Company logo for American Family Insurance
Best High Personal Property LimitAmerican Family Insurance
MoneyGeek Score:
92/ of 100

Overview

American Family ranks first in affordability and customer satisfaction for renters with expensive homes in Glendale, Arizona, with an annual premium of $240. It offers equipment breakdown coverage, protecting your gadgets and smart home devices from sudden mechanical or electrical failures. Additionally, its back-up of sewer or drain coverage helps mitigate repair costs from water back-ups, ensuring your home remains safe and dry.

Best Renters Insurance for High Personal Property Limits in Glendale, AZ
American FamilyMoneyGeek Score92Annual Premium$ 240
NationwideMoneyGeek Score91Annual Premium$ 266
State FarmMoneyGeek Score86Annual Premium$ 400
Auto-Owners InsuranceMoneyGeek Score86Annual Premium$ 321
TravelersMoneyGeek Score82Annual Premium$ 578
AllstateMoneyGeek Score80Annual Premium$ 354
FarmersMoneyGeek Score49Annual Premium$ 1,420
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SCHEDULED PERSONAL PROPERTY COVERAGE

If you have valuables like jewelry or art, you may need extra coverage because standard policies often don't include them. Look for a provider that offers scheduled personal property coverage to protect these items.

Best Renters Insurance for Military Families in Glendale, AZ

In Glendale, USAA is the top-ranked renters insurance company for those with military backgrounds, with an annual premium of $110. The two best providers in Glendale for military members for a policy with $20,000 in personal property coverage are:

  • USAA: MoneyGeek score of 100 out of 100 ($110 per year)
  • Nationwide: MoneyGeek score of 89 out of 100 ($134 per year)

USAA offers a range of products tailored for those with a military background, offering discounts and coverages that suit the military lifestyle. It is also the cheapest option in Glendale for military members.

Company logo for USAA
Best for MilitaryUSAA
MoneyGeek Score:
100/ of 100

Overview

USAA stands out in Glendale as the premier renters insurance provider for those with a military background, leading in customer satisfaction, coverage and affordability. With an annual premium of $110, USAA offers comprehensive protection.

USAA includes contents replacement cost, ensuring you can replace items like TVs or computers at current market value if they're stolen or damaged. Additionally, its worldwide personal property coverage is invaluable for deployed service members, offering protection for belongings anywhere in the world. These benefits underscore USAA's commitment to serving the unique needs of the military community.

Best Renters Insurance for Military in Glendale, AZ
Data filtered by:Results filtered by:
Coverage:
Coverage:$20K Personal Property
USAAMoneyGeek Score100Annual Premium$ 110
NationwideMoneyGeek Score89Annual Premium$ 134
Auto-Owners InsuranceMoneyGeek Score88Annual Premium$ 114
American FamilyMoneyGeek Score86Annual Premium$ 160
AllstateMoneyGeek Score83Annual Premium$ 119
State FarmMoneyGeek Score81Annual Premium$ 192
TravelersMoneyGeek Score76Annual Premium$ 240
FarmersMoneyGeek Score49Annual Premium$ 388

Best Renters Insurance for Low Credit Scores in Glendale, AZ

In Glendale, Nationwide offers the best renters insurance for people with poor credit, at an annual premium of $213 for a policy with $20,000 in personal property coverage. The top two best providers in Glendale for those with poor credit for the same type of policy are:

  • Nationwide: MoneyGeek score of 92 out of 100 ($213 per year)
  • American Family: MoneyGeek score of 91 out of 100 ($281 per year)

Renters in Glendale with poor credit often face higher insurance rates because insurance companies view them as higher-risk due to a history of financial instability or missed payments. However, improving your credit score and seeking available discounts can help in reducing these rates over time.

Company logo for Nationwide
Best for Low Credit ScoresNationwide
MoneyGeek Score:
92/ of 100

Overview

Nationwide ranks first in affordability and coverage for renters in Glendale, Arizona, with an annual premium of $213. Renters can benefit from uncommon discounts like credit card forgery protection, which covers unauthorized transactions on credit cards and bank debit/ATM cards.

Additionally, the theft from vehicles discount offers extended protection for personal belongings stored in or on any motor vehicle, trailer or watercraft.

Best Renters Insurance for Low Credit Scores in Glendale, Arizona
Data filtered by:Results filtered by:
Credit Score:
Credit Score:Poor
Coverage:
Coverage:$20K Personal Property
NationwideMoneyGeek Score92Annual Premium$ 213
American FamilyMoneyGeek Score91Annual Premium$ 281
State FarmMoneyGeek Score89Annual Premium$ 398
TravelersMoneyGeek Score87Annual Premium$ 737
AllstateMoneyGeek Score84Annual Premium$ 183
FarmersMoneyGeek Score79Annual Premium$ 860
Auto-Owners InsuranceMoneyGeek Score51Annual Premium$ 3,802

Average Cost of Renters Insurance in Glendale, AZ

The average cost of renters insurance in Glendale, Arizona, is $193 annually, which breaks down to $16 monthly. This is slightly cheaper than the Arizona state average of $195 per year and more expensive than the national average of $145 per year. These rates are based on a renters insurance policy with $20,000 personal property limits, $100,000 liability limits, and a $1,000 deductible.

Renters should remember that the average cost of renters insurance in Glendale may vary greatly depending on the amount of personal property coverage you purchase. Personal property coverage protects your belongings in case of theft, fire, or other covered events. Use the calculator below to see how prices change based on the value of your personal property.

Personal Property Coverage Calculator

When figuring out how much renters insurance you need, experts recommend the standard $100,000 in liability insurance and enough personal property protection to cover your possessions. Use MoneyGeek's calculator to estimate the value of your possessions so you know how much personal property coverage to buy.

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Factors That Impact Renters Insurance Costs in Glendale

The cost of renters insurance in Glendale, Arizona, is influenced by multiple factors, including the location of the rental property and the amount of coverage desired. Understanding these variables is key to finding a policy that fits your budget and needs.

  • Location: The area where you live can affect your premium due to crime rates and weather-related risks.
  • Coverage Amount: Opting for higher coverage limits will increase your insurance costs.
  • Deductible: Choosing a higher deductible can lower your monthly premium, but you'll pay more out of pocket in the event of a claim.
  • Claims History: Renters with a history of claims may face higher premiums due to a higher perceived risk by insurance companies.
  • Credit Score: Insurance companies may factor in your credit history when determining your premium, with better credit records often leading to lower costs.

What Renters Insurance Covers in Glendale, AZ

Renters insurance covers personal property, liability, and additional living expenses. It protects against theft, fire and certain natural disasters. Liability coverage helps if someone is injured in your rental. Purchasing renters insurance is important for protecting your belongings and offering peace of mind in unexpected situations.

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COMMONLY COVERED PERILS

Renters insurance typically covers losses from incidents like theft, fire and water damage. Understanding your policy's specific coverage is key to ensuring you're protected. Here are common situations renters insurance covers:

  • Fire or lightning
  • Windstorm or hail
  • Explosions
  • Riots
  • Aircraft
  • Vehicles
  • Smoke damage

What Renters Insurance Does Not Cover in Glendale

Although renters insurance provides a financial safety net, it doesn't shield against every mishap. For instance, it typically excludes flood damage and your roommate's possessions.

  • Natural Disasters: Standard renters insurance often does not cover damage from floods.
  • Roommate's Belongings: Personal property coverage does not extend to items owned by a roommate unless they are listed on the policy.
  • High-Value Items: Expensive jewelry or electronics may exceed the policy's limit and require additional coverage.
  • Business Equipment: Property used for business purposes might not be covered under a standard renters insurance policy.
  • Pest Damage: Infestations and damage from pests like bed bugs or rodents are usually not covered.
  • Car Theft: While personal property stolen from your car may be covered, the theft of the car itself is not.

FAQ: Renters Insurance in Glendale, AZ

The best renters insurance provider for you in Glendale ultimately depends on your needs. Below are some FAQs to help you make an informed decision.

How much is renters insurance in Glendale, Arizona, on average?
What is the cheapest renters insurance company in Glendale, Arizona?
What is the best renters insurance company in Glendale, Arizona?
Do I need renters insurance in Glendale, Arizona?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.