Multi-family owners and real estate investors in Phoenix need coverage built for tenant-occupied property — not a homeowner policy that quietly stops working the moment renters move in. We work with Arizona investors and property managers to structure the right protection for each building and portfolio.
We respond within one business hour.
Multi-family owners and real estate investors in Phoenix need coverage built for tenant-occupied property — not a homeowner policy that quietly stops working the moment renters move in. We work with Arizona investors and property managers to structure the right protection for each building and portfolio.
Arizona rental property is governed by the Arizona Residential Landlord and Tenant Act (A.R.S. Title 33, Chapter 10), which sets habitability standards, entry rules, and the landlord obligations that drive much of an owner’s liability exposure. A critical insurance trap catches many Arizona owners: a standard homeowner (HO-3) policy is generally void on a property that’s rented at the time of loss — carriers are not obligated to honor a homeowner claim on a tenant-occupied unit. Landlord-occupied and investment properties need a dwelling/commercial policy (such as a DP-3 or a habitational program) built for non-owner-occupied risk. Arizona landlords may also require tenants to carry renters insurance as a lease condition under ARLTA, which helps shift personal-property and certain liability exposures off the owner. For a Phoenix multi-family property, getting the policy form right is the single most important coverage decision.
With 20+ years of combined experience and access to Hartford, Travelers, Lloyd’s of London, Hiscox, Progressive, and Guard, we find the right fit for your Phoenix business — not just the first quote we can bind.
Independent means we work for you — not the carriers.
Likely yes. In Arizona, a standard HO-3 homeowner policy is generally void on a property that’s rented at the time of loss, and carriers aren’t obligated to pay a homeowner claim on a tenant-occupied unit. Rental property should be written on a dwelling or habitational policy built for non-owner-occupied risk.
The Arizona Residential Landlord and Tenant Act (A.R.S. Title 33, Chapter 10) sets habitability standards, entry rules, and landlord responsibilities. Many of those obligations drive the liability exposures your insurance needs to address.
Yes. Under ARLTA, Arizona landlords may require tenants to carry renters insurance as a lease condition. It helps shift personal-property and certain liability exposures off the owner, but it doesn’t replace the owner’s own property and liability coverage.
Yes. We place single buildings up to larger portfolios, including duplexes, triplexes, and small-to-mid apartment buildings common across Phoenix and the wider metro.
Loss of rents coverage replaces rental income while a unit is unrentable after a covered loss. It’s an important piece of a multi-family program and we build it into your policy where appropriate.
We respond to Phoenix-area quote requests within one business hour during business hours. Call (469) 983-2600 or submit the form above.
We’ll call you within the hour.