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2024

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Best Renter's Insurance Companies in Surprise, AZ

Our Recommended Top 4

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Surprise Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

50Reviewed

31Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4252 N Verrado Way Ste B201, Buckeye, AZ 85396
WebsiteLicense: 3000642073

Expertise.com Rating

Review Sources

Google
4.7 (19)
Facebook
4.2 (6)

Why choose this provider?

Ganyo Insurance Agency is a family-owned business that has been serving the people of Surprise and nearby areas since 1984. It shops from over 30 insurance carriers to offer clients personal and commercial lines of insurance products, including renters' coverage. This protects personal belongings such as clothes, appliances, furniture, and electronics. In addition, the insurance may cover valuable articles, such as floaters and fine arts. Business owner insurance packages for small enterprises are also available. Owner Greg Ganyo has over three decades of industry experience.

  • Multiple Policy Types
  • Home and Auto Insurance

18789 N Reems Rd, Suite 200, Surprise, AZ 85374
WebsiteLicense: 1800005734

Expertise.com Rating

Review Sources

Google
5.0 (266)
Facebook
5.0 (9)
Yelp
5.0 (7)

Why choose this provider?

William Kohl is a State Farm agent serving families and individuals in Surprise and its neighboring metros. Kohl offers renters' insurance policies that provide coverage to the client's home and personal belongings. This policy covers the renter's clothes, furniture, bicycles, and electronics, in addition to belongings and infrastructures outside the property. He also aims to help clients protect their valuable assets by providing business, auto, home, health, and life insurance coverages. Banking and financial services are also offered.

  • Home and Auto Insurance

13749 N Litchfield Rd., Suite 112, Surprise, AZ 85379
WebsiteLicense: 8417973

Expertise.com Rating

Review Sources

Google
4.4 (7)

Why choose this provider?

Rick Resetar is a State Farm insurance agent that serves individuals, families, and business owners from Surprise and the surrounding areas. He helps clients obtain renters' insurance plans that cover property risks such as fire and smoke damage, water damage, thefts, burglaries, and vandalism. He also provides other insurance plans, including homeowners', property, auto, business, life, and health insurance policies. Rick Resetar is a Chartered Life Underwriter, Chartered Financial Consultant, and Chartered Property Casualty Underwriter.

  • Home and Auto Insurance

14245 W Grand Ave Ste 3, Surprise, AZ 85374
WebsiteLicense: 16865858

Expertise.com Rating

Review Sources

Facebook
5.0 (16)
Google
4.7 (13)
Yelp
3.0 (4)

Why choose this provider?

Tres Lachance is a Farmers Insurance agent serving individuals and families in the Surprise metro. He provides insurance for renters that can cover the damage to their personal possessions and assets caused by fire, flood, theft, and vandalism. The agent helps his clients understand their coverage options and select one suited for their house rentals or apartments. He also offers other insurance products, including auto, home, life, business, recreational, and umbrella insurance. Tres Lachance is also licensed in the state of Nevada.

  • Multiple Policy Types

Compare our Top Renter's Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Ganyo Insurance Agency
4252 N Verrado Way Ste B201, Buckeye, AZ 85396
William Kohl
18789 N Reems Rd, Suite 200, Surprise, AZ 85374
Rick Resetar
13749 N Litchfield Rd., Suite 112, Surprise, AZ 85379
Tres Lachance
14245 W Grand Ave Ste 3, Surprise, AZ 85374

FAQs

  • What type of reimbursement methods can residents of Surprise use for their renters' insurance policies?

    Residents of Surprise who hold renters' insurance policies can either use actual cash value or replacement cost for their insured possessions. Actual cash value means the insurer will reimburse the current market value of the items. On the other hand, replacement cost coverage guarantees payment for the full amount of purchasing new items to replace the old ones.

  • In Suprise renters' insurance, what does the Medical Payments to Others coverage address?

    The Medical Payments to Others coverage in renters' insurance specifically addresses situations where guests incur injuries within the rented premises without any fault attributed to the policyholder. It's a standard part of the HO-4 policy form, designed for incidents like a friend's minor injury in a rental property in Surprise, ensuring quick financial assistance without assigning fault.

  • Do residents of Surprise need to include their landlord on their renters' insurance policy?

    Renters in Surprise are not required to include their landlords on their renters' insurance policy. However, to safeguard their property, landlords may require being added as an additional interest on renters' insurance policies. This designation allows landlords to be notified of policy cancellations or changes without giving them control over the policy.

  • How should one determine the amount of personal property coverage needed when purchasing renters' insurance in Surprise?

    To identify the appropriate amount of personal property coverage for renters' insurance in Surprise, individuals should calculate the entire cost of replacing all their possessions in case of loss or damage. The amount of coverage necessary can differ significantly; for instance, a tenant in a studio apartment requires less coverage than someone renting in a four-bedroom house. Additionally, consider extra coverage for high-value items such as expensive jewelry, electronic gadgets, or paintings.

  • What should renters in Surprise know about the coverage limits for specific items in a standard renters' insurance policy?

    Renters in Surprise should be aware that standard renters' insurance policies often include specific coverage limits for certain items, such as $2,500 for electronics or $1,500 for jewelry. For high-value possessions like an advanced computer or an engagement ring, adding a personal article policy to the existing renters' insurance can be a cost-effective solution compared to purchasing separate policies for these items.

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