You might see some variation between providers, but every renters insurance plan in Arizona covers the same basics at minimum. Standard coverage areas include your possessions, personal liability, and additional living expenses. Most policies have actual cash value coverage, meaning they will only over replacements up to the actual worth of your item today. A $1000 TV from a few years back wouldn’t sell for the same price today; actual cash value will only reimburse you for the cost of your item minus depreciation. Some policies include replacement cost, which does not factor in depreciation, as part of the standard package or as a paid add-on. Personal liability coverage typically insures you up to $100,000. Additional living expenses, or loss of use, coverage helps to cover extra costs incurred from living out of your home if it becomes uninhabitable due to a covered event. You might decide you’re comfortable with the standard level of protection, or you might want to add more. Basic renters insurance covers you for many common perils like fire but won’t cover you for some natural hazards that abound in Arizona. Consider added coverage for disasters like flash floods, landslides, and earthquakes.