Lemonade Renters Insurance in Scottsdale, AZ
Renting near Old Town? Protect your stuff with Lemonade renters insurance in Scottsdale from just $10/month.
What does Lemonade renters insurance in Scottsdale protect against?
Renters insurance protects your stuff against several potential damages (or “perils” in insurance speak). Here’s a closer look at what is (and isn’t) covered:
- Fire & smoke damage
- Theft & break-ins
- Clothes & shoes
- Jewelry & watches
- Your laptop & electronics
- Books & collections
- Wind & hail damage
- Art & musical instruments
- Kitchen appliances & gadgets
- Furniture & home decor
- Sports equipment & bikes
- Water damage from burst pipes
Not covered: floods, normal wear & tear, your roommate’s stuff, or getting mad at the Suns & punching your TV.
What does renters insurance cover in Scottsdale?
It’s not just about your stuff, renters insurance also covers:
Personal liability
Someone slips at your pool party? We’ve got the medical bills and potential lawsuits covered
Loss of use
Burst pipe makes your place unlivable? We’ll cover hotel costs above what you normally spend
Medical payments
Guest cuts themselves on broken glass? We’ll handle the cost of their ER visit
Want to learn more about what renters insurance covers (and what it doesn’t)? Check our coverage guide.
How much does renters insurance cost in Scottsdale?
As of 2025, Lemonade renters insurance in Scottsdale typically averages between $10 and $15 per month. Factors like your location, how much coverage you select, and your deductible determine how much you’ll pay.
Customers love Lemonade renters insurance
Our customers rate Lemonade renters insurance 4.9 on Trustpilot. Don’t just take our word for it, check out what they’re saying.
How does Lemonade protect Scottsdale renters?
Protection built for desert life and city risks
Monsoon season coverage
Wind, hail, and (some) water damage when summer storms hit
Protection against theft
We'll cover your electronics whether it's a break-in or grab-and-go
Wildfire displacement
Evacuation keeping you out of your place? We've got you covered
How much renters insurance do you need in Scottsdale?
The right amount depends on what you own and your lifestyle.
Here’s how to calculate what you need.
Personal property coverage
You can choose anywhere from $10,000 to $250,000 in coverage. Walk through your Scottsdale rental and add up what it would cost to replace everything: furniture, electronics, clothes, kitchen items, and personal belongings. That sum should be your personal property coverage limit.
Read moreLoss of use coverage
Coverage ranges from $3,000 to $200,000. Think about how much you’d spend on temporary housing, meals, and other expenses if your rental became unlivable due to covered damage. Spending just one week in a Scottsdale hotel will run you $1,172*, so factor in your local costs.
Read morePersonal liability coverage
Lemonade’s standard $100,000 covers medical bills and legal fees if someone gets hurt in your rental or if you accidentally damage someone else’s property. Your landlord will probably specify how much you need, so pay attention to your lease requirements.
Read moreHow to save on renters insurance rates
Renters insurance is generally quite affordable, but there are still some ways you can save
Bundle
Combine renters with car or pet insurance for instant multi‐policy discounts. (Plus, you can manage your policies in one place)
Pay in full
Pay your full premium upfront to avoid monthly fees and earn up to a 5% annual payment discount.
Security devices
Fire alarms and security systems can lower your rate. Check what safety features your rental has, you might already qualify.
Who needs renters insurance in Scottsdale?
Renters insurance is one of the smartest investments any renter can make. Here’s how a handful of Scottsdale residents benefit from coverage:
Young professionals
Your laptop, professional wardrobe, and home office setup are investments in your career. Renters insurance protects them from theft, water damage from upstairs neighbors, and covers liability if someone gets hurt in your space. For less than your monthly coffee budget, you’re protected against apartment living risks you can’t control.
Snowbirds
Just because you’re only here part of the year doesn’t mean you need less protection. Renters insurance covers your golf clubs, electronics, and belongings even when you’re back up north. Plus, it protects you from liability and helps with temporary housing if your winter retreat becomes unlivable while you’re visiting.
ASU grad students
Grad school is expensive enough without replacing stolen laptops or research equipment. Your landlord’s insurance won’t cover your belongings, but renters insurance will, including that expensive textbook collection and thesis research. Plus, you’re covered if someone gets injured during study sessions at your place.
Digital nomads
Your entire livelihood travels with you: cameras, laptops, monitors. Renters insurance covers your equipment whether you’re renting month-to-month or staying longer in Scottsdale. Many policies even include temporary housing coverage to keep your remote work setup uninterrupted.
Resort employees
Working at Scottsdale’s premier resorts means you understand the value of protection. Renters insurance covers your belongings, including work uniforms you’re responsible for, and provides liability coverage. Since many resort jobs are seasonal, you need year-round protection whether you’re working peak season or not.
What’s the best renters insurance in Scottsdale?
We might be biased, but Lemonade was designed to shine for Scottsdale renters
All in the app
Get a quote, manage your policy, and file claims all from your phone
Coverage for you
Pick exactly what you need. No cookie-cutter policies
Claims paid fast
Most claims get handled in minutes, not weeks
Scottsdale Renters: By the Numbers
Real data from our customers:
Scottsdale Renters Insurance FAQs
What's the average cost of rent in Scottsdale?
According to Zumper*, the average cost of rent in Scottsdale is $3,200. However, the average cost of rent varies widely depending on where you live, and the type of home your renting. Here’s a look at how the average cost of rent changes in Scottsdale based on your property type:
- Apartment: $1,899
- Condo: $2,200
- House: $4,100
How does renters insurance work in Scottsdale?
Lemonade harnesses the power of tech to make the process of filing a renters insurance claim, and getting reimbursed, stress-free. Here’s how the renters insurance claims process works for Scottsdale residents:
- Document damage: When disaster strikes in Scottsdale, make sure to take clear photos or videos of any damage to your belongings, this documentation will help support your claim.
- File a claim: Open the Lemonade app and file your claim in minutes by chatting with AI Jim and providing the necessary details about your loss or damage.
- Get reimbursed: For eligible claims, receive your money directly in your bank account.
What information do I need to get a renters insurance quote?
Getting a renters insurance quote takes just a few minutes. You’ll need:
- Your rental address and move-in date
- An estimate of what your belongings are worth
- Your preferred deductible amount
- Basic details about your rental (apartment, house, or condo)
- Any security features like fire alarms or security systems
Most quotes take under 5 minutes, and you can adjust your coverage anytime through the Lemonade app.
Does renters insurance cover my electronics if damaged by a monsoon in North Scottsdale?
Yes, windstorm damage from intense monsoons in North Scottsdale is typically covered under renters insurance. Your furniture, electronics, and personal items damaged by wind or debris would be protected. For most of the Arizona region, approximately 50% of the annual precipitation occurs during the June to September period, making renters insurance especially valuable for your belongings.
Does renters insurance cover my car if it's damaged while I'm parked in Old Town Scottsdale?
No, renters insurance doesn’t cover vehicle damage, that’s what car insurance is for. However, if your personal belongings inside your car are stolen or damaged, your renters policy covers those items. Whether someone breaks into your car while you’re in Old Town Scottsdale and steals your stuff or your recent purchases gets snatched, you’re protected up to your policy limits.
All coverage is subject to individual policy limits, terms, and conditions. Certain items mentioned in this article, including electronics, jewelry and watches, art and musical instruments, and some collections, are subject to sub—limits under standard renters insurance policies and may need to be scheduled separately for full protection. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim. The costs shown in this article are based on internal Lemonade data as of January, 2025. Claims data is sourced from internal Lemonade data as of August 2025. Average costs of hotel stays sourced from https://www.budgetyourtrip.com/search.php. Average cost of rent sourced from Zumper as of August 2025 https://www.zumper.com/
Continue Reading
What Does Renters Insurance Cover
Renters insurance may cover more than you think.
How Much Is Renters Insurance in 2025?
Hint: Renters insurance costs much less than you think.
How to Get Renters Insurance
Signing up is much easier and simpler than you think.
Car and Renters Insurance Bundle
Combine forces to unlock savings and convenience.
What is Renters Insurance and How Does it Work?
Breaking down the ins and outs of renters insurance.
Renters Insurance in Arizona
Protect your stuff in the Grand Canyon State.