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Mesa, AZ 85212

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Top Reasons to Obtain Renter’s Insurance

You don’t have to own a home to get insurance coverage. As a Mesa, AZ renter, you can protect your valuables and financial assets from liability mishaps with renter’s insurance. Like most people, you’ve probably worked hard to purchase nice clothes, electronics, furniture, and other personal belongings. It only makes sense to protect these assets from the unexpected. With renter’s insurance from Precision Insurance Team, you can do just that.

Top Reasons to Purchase Renter’s Coverage

If you’re renting a home, condo, or apartment, here are some good reasons to consider renter’s insurance coverage:

1. Your goods are not covered by your landlord’s policy. 

Your landlord’s insurance protects his home structure, not your belongings. In the event of a disaster, your landlord’s dwelling insurance will cover the home’s repair costs, and you’ll be responsible for your own losses.  

2. Renter’s property insurance protects your belongings.

Renter’s property coverage will reimburse you for items that are stolen, damaged or lost in a disaster like fire, tornado, hurricane, etc. (with the exception of flooding) to save you from financial loss.  

3. Renter’s liability coverage will protect you from liability mishaps occurring on your rental property.

If a visitor is accidentally injured on your property, liability coverage helps pay for his or her medical costs. Liability insurance also covers accidental damage to a visitor’s personal property. If someone sues you for damages, liability insurance will help cover your legal costs.

4. Renter’s insurance offers additional living expenses coverage.

If your rental home gets damaged in a storm and you have to move out until repairs are made, additional living expense coverage will reimburse you for extra expenses you may incur living in another location during that time.

5. Affordability

Renter’s insurance is extremely affordable and can fit most any budget. Consult with us and see what best fits your needs. 

We Are Here To Help!

To purchase a renter’s policy in Mesa, AZ or surrounding areas, contact Precision Insurance Team today! 

Does Renters Insurance Cover a Roommate’s Belongings?

Insurance is a tool designed to protect against risks and losses. Renters should purchase a renter’s insurance policy to help protect them from several risks ranging from liability or unexpected events that can cause them losses or displacement from their homes. If you are looking for quality renter’s insurance, the professionals at Precision Insurance Team are proud to provide the residents of Mesa, AZ with exceptional coverage options.

Renter’s Insurance Protection 

Renter’s insurance protects against renter liability or other losses associated with events occurring in and around the dwelling. This insurance can also help with lodging while repairs are underway. If you would like to explore your renter’s insurance options, we can help. 

We can review your current situation and need help to provide insight into which policies would work best for your needs. We also assist with document submissions and claims. Our goal is to provide complete assistance to our customers to make acquiring insurance as easy and straightforward as possible. Let us assist you with choosing the right policy to give you peace of mind knowing you’re protected. 

Reach Out Today

Renter’s insurance is essential for anyone renting a property, whether an apartment or a separate dwelling. If you want to learn more about renter’s insurance and how it can protect you from covered events, contact Precision Insurance Team serving the residents of Mesa, AZ. 

Reach out to us today by calling or stopping by our office to speak to a knowledgeable insurance professional. We are dedicated to serving our customers and helping them get the protection that top-quality renter’s insurance and other products can provide. 

How Renters Insurance Could Prepare you for Home Damage

When a home you rented becomes damaged, you need to have adequate renters insurance.  This type of insurance gives you financial protection when your home suffers damage or gets burglarized.  While it’s not mandated to obtain renters insurance in Arizona, some landlords or apartment buildings may require their tenants to obtain a policy. 

Our team at Precision Insurance Team serving Mesa, AZ could work with you in finding a plan to prepare your home for future damage.

Renters Insurance Reimburses in Two Ways

When considering renters insurance, expect to be reimbursed in two ways.  You could get reimbursed through actual cash value, which pays what the property was worth at the time of damage.  Replacement cost is another way it reimburses.  This pays the cost of replacing your damaged items with new ones.  Renters insurance does have personal possessions as one of their three basic coverage options.

What Personal Possession Coverage Offers?

The personal possessions coverage not only covers any damage to your personal items but any damage caused by hazards and other events named in the policy.  Also known as Named Perils Insurance Policy, this coverage includes hazards such as fire, theft, vandalism, plumbing and electrical malfunctions, certain weather-related damage, and other named hazards.  Damage caused by floods and earthquakes is not covered.

Landlord’s Building Insurance doesn’t cover Home Damage

While most landlords do have building insurance for their apartments or other rental homes, this insurance doesn’t cover your home damage.  It only covers the structure and related features.  Renters insurance protects you against interior damage and damage to your belongings.  It also helps cover you when you incur damage to others.

Contact our Team Today

If you want to be safe than sorry in financially protecting you when your home has been damaged, don’t delay.  Contact our team at Precision Insurance Team in Mesa, AZ for an appointment today.  

Important exclusions that may be in your renters’ insurance policy

As a renter in the Mesa, AZ area, it is critical to carry renters’ insurance. However, it is equally important to understand what coverage your insurer may exclude from the policy. The experts at the Precision Insurance Team have put together the top coverage exclusions. 

Renters’ Insurance Exclusions

Dog bites 

If you have a dog, it is vitally important to make sure you have coverage under your renters’ policy. Many insurers opt to exclude the coverage altogether, while other insurers will have restrictions on breeds and weight. A dog bite lawsuit can be one of the most expensive as the medical bills quickly add up. 


So many renters assume that because the policy offers coverage for water damage, that flooding would be covered. However, damage caused by a flood is not covered under water damage coverage. Water damage coverage would offer you protection if you have a burst pipe or a leak from an appliance. If you live in a Mesa, AZ area that is prone to flooding, it is critical that you purchase flood insurance. 

Luxury items 

Most renters’ policies limit the amount that they will reimburse you for losses to luxury items. Luxury items can include fine art, jewelry, and even electronics. If you have a significant amount of luxury items, you will want to work with your agent at the Precision Insurance Team to make sure you have enough coverage for your luxury items. It is good to submit an itemized list with values to the insurance company. 

Give Us A Call

If you live in the Mesa, AZ  area and want to learn more about renters insurance, reach out to the Precision Insurance Team today. 

Renting to Own? You Still Need Renter’s Insurance

Renting to own has become a popular option for some people over the years, though it may cause some insurance confusion. In this situation, we at Precision Insurance Team suggest renter’s insurance for Mesa, AZ renters. Here’s what you need to know about why this option is wise.

Why You Still Need Renter’s Insurance

When you’re renting to own a home, the owner is typically taking your rent as a down payment or as part of a mortgage agreement that will transfer the home to you once the renting period is over. However, that doesn’t mean you own the house yet. It is still owned by another individual.

As a result, the homeowner’s insurance policy that applies to that house (which is held by the owner) does not protect anything that you bring to the home. This mistake is one that many people make when they’re renting to buy. However, it is one that you can avoid if you buy renter’s insurance.

The Benefits of Renter’s Insurance

Renter’s insurance is a great option for you because it will protect the belongings in your home before you own the house. In other words, it will protect everything that you add to a rental home, such as your clothes, items you’ve purchased, and other things you’ve added to a house.

The nice thing about these policies is that they’re usually much cheaper than homeowner’s policies and can be canceled once you own a home. After you buy a house, you can then purchase the proper insurance policy to protect not only the house itself but the items you own inside it.

Getting a Policy You Can Trust

As you can see, renter’s insurance is a beneficial option for you when renting to home. If you’re interested in this policy type, please don’t hesitate to contact us at Precision Insurance Team near Mesa, AZ to learn more. Our experts will do what we can to find a policy that suits your specific needs.

What recent college graduates need to know about renter’s insurance

Precision Insurance Team is here to help recent college graduates in the Mesa, AZ area with their insurance needs. We want you to have the protection you need!

Why renter’s insurance is so important

When it comes to renter’s insurance, deciding to have it should be a no-brainer! There are so many great benefits to renter’s insurance that it doesn’t make sense not to have it.

For example, if your bike is stolen away from your home and has the applicable coverage in your renter’s policy, this loss may be covered.

Stolen and lost items aren’t the only reason to have your own renter’s insurance policy. Your landlord will, of course, have insurance, but this will only cover the common areas of the building and the structure itself. When you have your policy in place, you can rest assured that you have the protection you need!

Graduating from college is an exciting milestone and often marks the beginning of your adult life. And, part of being an adult is taking responsibility for your financial future. Protecting your belongings is an integral part of your financial responsibility.

Why not take the time now to look at the renter’s insurance policy options that are available in our area?

Please find out more by calling our office today!

If you are a recent college graduate in the greater Mesa, AZ area, you can rely on the Precision Insurance Team for all of your insurance needs. Call our office today and learn more about the renter’s insurance policy options in our area.

Renter’s insurance in Mesa AZ just makes sense these days

Renters should be just as concerned as homeowners about protecting their property from any potential damage or theft that could occur while they are staying there. Mesa, AZ residents are starting to take a closer look at this as they look for ways to bring a sense of calm in an uncertain world. 

The Precision Insurance Team not only offers renter’s insurance, but it is one of the types that they specialize in. They realized some time back that Arizona residents and many others were highly interested in finding ways to protect the assets that they do have in the midst of issues with rising property crime and more extreme weather. Mesa, AZ is an area that has seen an influx of new residents moving in, and that can often contribute to escalating problems with crime and other displacement issues. Therefore, the only way that renters can rest assured that they will be okay in their place is to own a renter’s insurance policy. 

The policies are highly affordable as they generally just cover liability for items stolen from within the property as well as certain types of damage. It is expected for the most part that the property owner will take care of covering most of the possibilities of physical damage with policies of their own. Thus, the renter is off the hook so to speak with how much they legitimately need to cover via their renter’s insurance policy. It is mostly just about making sure they protect the things that they personally own that are inside of that property. 

If you are in Mesa, AZ and would like a little more peace of mind to go with the property that you rent, then now is the time to look to the Precision Insurance Team to help you out with that. 

Tips for Selecting Renters Insurance

Numerous renters within Mesa, AZ have realized that protecting their belongings means getting renters insurance instead of relying on their landlord’s policy. Due to this, you will be required to understand various attributes of renters insurance, from what it covers to the terms that each requires. Before settling for your cover, Precision Insurance Team details some tips to use when getting a renters policy.

Understand the Different Insurance Policies

Renters insurance comprises various policies, with some being content coverage and additional living expenses coverage. While the first option ensures that your personal belongings are protected when covered perils arise, the latter provides compensation when your home is deemed uninhabitable. With these differences in mind, make it a point to understand what each entails before signing up for any policy.

Be on the Lookout for Exclusions

Renters insurance will often have exclusions, meaning various types of emergencies will not be covered. If, for instance, you experience damage from flooding or earthquakes, you will likely need separate cover for these events. In addition to this, various personal possessions may also not be covered, with an example of this being expensive items like art and jewelry. To avoid any inconveniences, ask for the different exclusions that your renter’s policy comes with.

Ask For Discounts Where Possible

Discounts may be the last thing on your mind when getting renters insurance but they will come in handy when you need to get various policies at a go. Depending on your preferred choices, you can bundle your renter’s policy with other covers such as auto insurance. In addition to this, numerous policies may also come with discounts due to additional home security measures. Be on the lookout for such offers to ensure you get suitable coverage for the long term.

If you need renters insurance within Mesa, AZ, call Precision Insurance Team today. Our agents will guide you through different policies for your renting needs.

Renters Insurance FAQs

Mesa, AZ is a Phoenix suburb and has been named one of the top places to live. It is 5% less expensive than the average city in the U.S. About 40% of residents rent the dwelling they live in. You may wonder why you should have renters insurance if you don’t own the building you live in. At Precision Insurance Team in Mesa, AZ, our experienced team provides world-class service and many carriers to choose from. 

Does my landlord have insurance on my unit? 

Yes, your landlord is likely to have insurance on your unit, but not on you or your possessions. That leaves you out in the cold if there is a fire, theft, or other covered peril affecting your unit. 

Does rental insurance protect my computer if it’s in my car? 

Yes, your renter’s insurance does cover your possessions even if you are traveling with them away from home. But it won’t cover any damage done to your vehicle to gain entry. Never leave valuables visible to thieves in your vehicle. 

What protection does renters insurance provide?

Renters insurance offers several valuable protections:

  • Personal property – you have two options with this coverage, replacement cost or actual value. It will provide reimbursement for items you lose, like clothes, furniture, and electronics. Some categories have a cap on the amount paid to you. 
  • Liability coverage – protects you and your family member against legal action and medical bills if someone is injured while visiting your rental. It also protects against injury from a family member away from home. 
  • Loss of use – helps pay for a place to stay when your unit is not habitable. 

Why do I need liability insurance as a renter? 

If you have any assets, you are in danger of being sued and forced to pay medical bills and legal expenses. 

Contact Precision Insurance Team in Mesa, AZ with all your renter’s insurance needs. 

Why should I have renters insurance in Arizona

Mesa, AZ is located west of Phoenix. It is the second-largest city in the Phenix metro area and the third-largest in the state. It has a history that goes back more than 2000 years. Rental prices are among the lowest in the valley, making it an attractive option for those wanting an affordable home or apartment. Many renters wonder why they need renters insurance in Mesa, AZ. Doesn’t the landlord or management company have insurance? For answers to questions about renters insurance, the Precision Insurance Team is the one to talk to. 

You may wonder why you should have renters insurance since you don’t own the building. That is true, of course, and it is up to the landlord to protect their building, but you can benefit from the other types of coverage that a renters policy offers. 


Your rental contents belong to you, and your landlord’s insurance will not replace it. If you don’t have renters insurance, you will lose everything and replace it yourself out of your savings. Consider all the things you own, your furniture. Kitchen contents, clothes, and electronics. It is thousands of dollars of possessions. 


If someone is visiting you at your rental and is injured, they rightfully will expect you to pay for the medical cost associated with that injury. They may even sue you, and without insurance, this can be devastating. 

Loss of use

If your rental is damaged and you can’t live in it for a time, how will you pay for your accommodation? Renters insurance can help with that as well. It makes a bad situation less stressful. 

In Mesa, AZ, Precision Insurance Team is ready and available to speak to you about renters insurance benefits. Give us a call or stop into our office and let us give you a free quote for this valuable protection.

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