2011

Consumer Guide and Premium Comparison for

Renters Insurance

Arizona Department of Insurance

2910 N. 44th Street, Ste. 210 Phoenix, AZ 85018
(602) 364-2499 (1-800) 325-2548 outside Phoenix

Janice K. Brewer Governor Christina Urias Director

www.azinsurance.gov

TABLE

OF

CONTENTS

How to use this Guide ................................................ 2 Understanding Renters Insurance ............................. 3 Shopping Tips ............................................................ 5 Premium Comparison Charts for: Hypothetical Renters Coverage: 1-4 Family Units
Hypothetical A: $15,000 Contents Coverage ........................6 Hypothetical B: $40,000 Contents Coverage ........................7 Hypothetical C: $80,000 Contents Coverage ........................8

Hypothetical Renters Coverage: 5+ Family Units

Hypothetical D: $15,000 Contents Coverage ........................9 Hypothetical E: $40,000 Contents Coverage.10 Hypothetical F: $80,000 Contents Coverage ..................... 11

Insurer Telephone Numbers ........................... .........12 How to File a Complaint ........................................... 13 Abbreviations used in this Guide.............................. 13

How to Use This Guide

The Renters Insurance Consumer Guide and Premium Comparison, developed by the Arizona Department of Insurance (ADOI), is designed to help insurance consumers understand and compare the cost of renters insurance. The wide range of premiums between insurers demonstrates the savings an average consumer can realize by taking the time to compare rates between several insurance companies. This publication contains the results of a survey of homeowner insurance companies that were asked to quote an average annual premium for renters policies for hypothetical contents valued at $15,000, $40,000 and $80,000 located in Phoenix, Tempe, Peoria, Flagstaff and Tucson as follows:

LOCATION I: PHOENIX - Located at 7th Street and Greenway Pkwy., Phoenix,

Arizona 85022

LOCATION II: TEMPE - Located at Rural and Apache Blvd., Tempe, Arizona
85281

LOCATION III: PEORIA - Located at 99th Avenue and Beardsley Road, Peoria,
Arizona 85382

LOCATION IV: FLAGSTAFF - Located at Butler Ave. and Lone Tree Road,
Flagstaff, Arizona 86001

LOCATION V: TUCSON - Located at Euclid Ave. and Speedway Blvd., Tucson,

Arizona 85719 Insurers are listed in the Premium Comparison tables based on the lowest to highest Phoenix contents premium, based on masonry construction. All premiums contained in this publication were provided by the listed insurers using rates in effect as of March 1, 2011. All premiums were based on 12 months of coverage. To use the Premium Comparison in this Guide, select the hypothetical contents coverage limits that align most closely with your needs and look under the city nearest yours to find rates similar to what you might pay. Since these quotes are based on a hypothetical applicant, they are not indicative of what your actual premium will be with any particular company. You will need to obtain quotes prepared specifically for you to get that information, but this will give you a baseline. The ADOI recommends that consumers consult their professional insurance representatives for advice concerning coverage and other purchasing considerations. While price is always a consideration, consumers should also consider the insurers service and the type of insurance contract and coverage available. Keep in mind, coverage limits and deductibles vary between insurance companies. In addition, insurance company groups having a number of insurers within their company group may choose the insurance company that will provide the price quote. If you have questions or comments regarding this publication or any other insurance matter, please call the Consumers Affairs Division at (602) 364-2499 in Phoenix, or (800) 325-2548 outside Phoenix, or write us. In addition, our web site at www.azinsurance.gov contains this and other consumer-oriented insurance publications that may be of further assistance.

Understanding Renters Insurance

What is Renters Insurance?
Renters insurance insures your personal property against damage or loss, and insures you in case someone is injured while on your property.

Why Purchase Renters Insurance?

If you live in a rented apartment, house or condominium, your landlords insurance doesnt cover your personal property in the event that it is stolen or damaged as a result of a fire, theft or other unexpected circumstance. In addition to personal belongings, some policies will also cover any necessary increase in living expenses if your apartment or home is uninhabitable due to damage from a covered loss. Renters insurance is typically less expensive than a homeowners insurance policy. The premiums for renters insurance per month varies depending on the location, the construction type of the building occupied, the number of rental units in the building occupied and the value of the policyholders possessions.

Basic Options
Most renters insurance policies provide two basic types of coverage: personal property and liability: Personal property coverage pays to repair or replace personal belongings if they are damaged, destroyed, or stolen. Liability coverage provides protection against a claim or lawsuit resulting from bodily injury or property damage to others caused by an accident. Another common type of coverage is Medical Payments which pays if someone outside your household is injured on your premises regardless of fault and pays reasonable medical expenses. In limited circumstances, Medical Payments may pay if you are involved in the injury of another person away from the premises.

Additional Coverage
Unusually expensive items, such as fine jewelry or an art collection, may require the renter to purchase additional coverage, called a scheduled personal property floater. There may be limited coverage for these types of personal properties. Your insurance agent can help you determine if additional coverage may be necessary.

Actual Cash Value or Replacement Cost Coverage?

Another important factor to look for when shopping for renters insurance is actual cash value versus replacement cost coverage. Actual cash-value coverage will reimburse the renter for the value of the personal property at the time of the claim, minus the deductible. Its important to account for depreciation when considering this coverage option. For example, if a stereo system were stolen from an apartment, five years after the stereo was purchased, the policyholder would be reimbursed for the actual cash value of the system. Replacement cost coverage, on the other hand, will reimburse the full value (minus the deductible) of the new stereo system, after you purchase the new system and submit your receipts.

How Much Coverage Do You Need?

When determining how much, if any, renters insurance you should purchase, estimate the value of your personal possessions. This is the amount of insurance you will need to replace the contents of your home if everything were destroyed.

Inventory Your Stuff!

When a claim is reported, the insurance company will ask the policyholder for proof of purchase for all items reported on the claim. A comprehensive list of possessions, including purchase prices, model numbers and serial numbers, will suffice. High valued or unique items such as jewelry, art collections, etc. may require appraisals. It also is a good idea to take photos or video footage of any personal possessions for documentation. Make sure these items are stored in a secure off-site location. Use this free downloadable app to quickly photograph and capture descriptions of your possessions room by room, then store electronically for safekeeping: myHOME Scr.APP.book. For more information visit www.insureuonline.org.

College Students
College students living in off-campus housing are ideal candidates for needing renters insurance, since many students bring thousands of dollars worth of personal items, such as electronics, a computer, textbooks, clothes, furniture, and a bicycle, with them to school. The renter, not the landlord or dormitory, must provide coverage for these valuable items. If a college student is living off-campus in a house or apartment with one or several roommates, they may be able to purchase a renters insurance policy together. However, a college student may still be covered under his or her parents homeowners or renters insurance policy. Review the definition of Student in your policy and talk with your insurance representative.

Covered Perils
Different policies cover different perils. Some policies cover only specified types of losses, while other policies cover a wider range of losses: The Broad Form covers personal belongings against specific events. This is the most commonly purchased renters policy. Typical coverage under this form includes damage from fire, lightning, explosion, smoke, vandalism, theft and water damage subject to limitations in the policy. The Comprehensive Form provides coverage for a wider range of events, unless specifically excluded by the policy. The premiums for this policy may be higher. Location also may be considered when choosing your form You may also be offered Identity Theft coverage. Normally this coverage is added by endorsement and will cover expenses in recovering attorney fees and other related expenses to clean up your credit records.

Some Tips on Loss Prevention

Taking steps to prevent losses is just as important as buying insurance to cover them: Install smoke detectors near sleeping areas. Clear accumulated trash, oily rags and combustible materials. Check lamps, lamp cords and light switches for faulty wiring. Practice home fire drills, keep matches away from children and make sure smokers do not smoke in bed. Check to see whether good locks, secure windows, and perhaps even a security system are installed.
4

Shopping Tips
Shop Around. Compare rates, coverage, service and stability from several insurance companies before you buy. Verify Company and Agent Licensure. In order to sell insurance in your state, companies and agents must be licensed. To verify licensure, visit the Arizona Department of Insurance website, www.azinsurance.gov, or call us at (602) 364-2499 and ask the following questions: Is the insurance company licensed in Arizona? Is the agent licensed in Arizona? How many complaints have been filed against this company and agent? Check the Insurers Credit Rating. Legitimate insurers have their creditworthiness rated by independent agencies such as Standard & Poors, A.M. Best Co. or Moodys Investors Services. An A+++ or AAA rating is a sign of a companys strong financial stability. You can check a companys rating online or at your local library. Know Your Credit History. There is a good chance your current or prospective insurance company is looking at your credit. Therefore, it is a good idea to review your credit history to make sure its accurate. Request a copy of your credit history from: Equifax (www.equifax.com), Experian (www.experian.com) or Trans Union (www.transunion.com). You can also contact the Federal Trade Commission for consumer brochures on credit at www.ftc.gov. The Fair Credit Reporting Act requires an insurance company to tell you if they have taken an adverse action against you, in whole or in part, because of your credit report information. If your company tells you that you have been adversely affected, they must also tell you the name of the national credit bureau that supplied the information so that you can get a free copy of your credit report and correct any errors. Take Charge of Your Credit History. If your insurance company is using your credit score to evaluate your rates, you can take steps to reduce your premiums: Get a free copy of your credit report and correct any errors. Notify your insurance agent and company of any errors. Improve your credit history if youve had past credit problems. If your credit score is causing you to pay higher premiums, ask your insurer if they will reevaluate you when your credit improves. The Proof is in the Paperwork. As you complete your research and decide to purchase a particular policy, its important to keep detailed records. Get rate quotes and key information in writing. Also, once youve decided to make a purchase, keep a copy of all paperwork you complete and sign, as well as any correspondence, special offers and payment receipts. Please note: You should receive a copy not a photocopy of your new policy within 30 to 60 days of purchase. If you do not receive your copy, contact the insurance company immediately. Having Trouble Finding Insurance? Insurance companies can not refuse to insure you based on race, color, creed, national origin, or ancestry. They can choose the risks they want to insure based on other factors. If you have tried several companies and cannot find renters insurance coverage, call the Arizona Department of Insurance at (602) 364-2499 or (1-800) 325-2548 (outside Phoenix).

Hypothetical A - Renter's/Tenant's 1-4 Family Unit, Contents Coverage: $15,000; Additional Living Expense Coverage: $3,000; Personal Liability Coverage: $100,000; Medical Payments Coverage: $1,000; $250 Flat Deductible. CHARACTERISTICS: A single family dwelling, duplex, tri-plex or four-plex with single-cylinder dead-bolt locks, one fire extinguisher, and a local smoke/fire detector. Masonry or frame construction. No losses in prior 3 years. Non-smoker. Median credit score * This insurer does not provide coverage for this hypothetical. Premiums shown are annual premiums as of March 1, 2011.
NAME OF INSURER
I PHOENIX II TEMPE III PEORIA IV FLAGSTAFF V TUCSON

MASONRY

FRAME

MASONRY

FRAME

MASONRY

FRAME

MASONRY

FRAME

MASONRY

FRAME

Central Mutual IC American National P&C Co Pharmacists Mutual IC Travelers Home and Marine IC Unigard Ind Co Cincinnati IC Electric IC SECURA Supreme IC Country Mutual IC Safeco IC of America Balboa IC State Farm Fire and Cas Co Merastar IC Amica Mutual IC Farm Bureau P&C IC ACUITY, A Mutual IC Milbank IC Pacific Ind Co Owners IC United Services Automobile Assoc Allstate Ind Co Horace Mann IC Mercury Cas Co Fidelity National IC Sentinel IC, Ltd ACA IC American Modern Home IC Universal North America IC Pacific Specialty IC Homesite Ind Co American Automobile Ins Co Kemper Independence IC Farmers IC of AZ Badger Mutual IC First American P&C IC Scottsdale IC Liberty Mutual Fire IC Employers Mutual Cas Co Praetorian IC Metropolitan P&C IC American Commerce IC American Family Mutual IC Encompass P&C Co Nationwide IC of America Austin Mutual IC California Casualty Ind Exchange Civil Service Employees IC Great Northwest IC IDS Property Cas IC

$96 124 125 125 125 130 130 133 135 142 147 150 156 158 158 160 160 162 165 169 171 177 178 180 183 193 198 200 201 211 212 224 227 239 242 250 251 259 278 299 311 323 325 480 * * * * *

$106 124 136 125 125 145 130 140 135 142 147 150 156 162 165 179 160 162 165 169 171 177 178 180 161 206 198 200 220 211 212 230 227 239 242 250 251 289 278 299 311 323 360 484 * * * * *

$84 126 125 125 125 123 118 104 112 142 147 150 154 141 128 148 125 162 140 169 124 177 183 166 173 193 198 200 188 197 165 224 243 239 242 250 253 234 278 269 222 195 268 479 * * * * *

$91 126 136 125 125 134 118 109 112 142 147 150 154 145 134 166 125 162 140 169 124 177 183 166 153 208 198 200 205 197 165 230 243 239 242 250 253 260 278 269 222 195 297 483 * * * * *

$84 75 125 125 125 123 118 125 112 142 147 150 154 141 118 115 125 162 146 169 124 173 172 166 173 151 198 200 150 197 223 205 205 137 209 250 253 236 278 210 335 272 268 424 * * * * *

$91 75 136 125 125 134 118 131 112 142 147 150 154 145 123 129 125 162 146 169 124 173 172 166 153 164 198 200 164 197 223 211 205 137 209 250 253 263 278 210 335 272 297 428 * * * * *

$77 110 125 125 125 87 99 141 97 142 147 150 137 119 107 115 125 162 146 149 124 165 142 151 173 157 198 200 145 186 212 205 172 137 209 250 229 234 278 259 183 272 268 419 * * * * *

$83 110 136 125 125 94 99 148 97 142 147 150 137 123 111 128 125 162 146 149 124 165 142 151 153 168 198 200 157 186 212 211 172 137 209 250 229 260 278 259 183 272 297 426 * * * * *

$88 115 125 125 125 146 102 104 103 142 147 150 130 147 126 143 125 162 165 188 144 171 152 146 173 180 198 200 217 197 212 205 221 137 226 250 217 244 278 289 216 300 268 451 * * * * *

$97 115 136 125 125 159 102 109 103 142 147 150 130 151 132 159 125 162 165 188 144 171 152 146 153 193 198 200 238 197 212 211 221 137 226 250 217 272 278 289 216 300 297 447 * * * * *

Hypothetical B - Renter's/Tenant's 1-4 Family Unit, Contents Coverage: $40,000; Additional Living Expense Coverage: $8,000; Personal Liability Coverage: $100,000; Medical Payments Coverage: $1,000; $250 Flat Deductible. CHARACTERISTICS: A single family dwelling, duplex, tri-plex or four-plex with single-cylinder dead-bolt locks, one fire extinguisher, and a local smoke/fire detector. Masonry or frame construction. No losses in prior 3 years. Non-smoker. Median credit score * This insurer does not provide coverage for this hypothetical. Premiums shown are annual premiums as of March 1, 2011.
NAME OF INSURER
I PHOENIX II TEMPE III PEORIA IV FLAGSTAFF V TUCSON

MASONRY

FRAME

MASONRY

FRAME

MASONRY

FRAME

MASONRY

FRAME

MASONRY

FRAME

Travelers Home and Marine IC Unigard Ind Co American National P&C Co State Farm Fire and Cas Co Universal North America IC Farm Bureau P&C IC California Casualty Ind Exchange Mercury Cas Co Central Mutual IC Amica Mutual IC Country Mutual IC Fidelity National IC United Services Automobile Assoc Great Northwest IC Safeco IC of America IDS Property Cas IC Electric IC Pacific Specialty IC Horace Mann IC Homesite Ind Co Merastar IC ACA IC Pharmacists Mutual IC Kemper Independence IC Farmers IC of AZ Balboa IC Allstate Ind Co Owners IC Scottsdale IC SECURA Supreme IC American Modern Home IC Milbank IC Civil Service Employees IC ACUITY, A Mutual IC Cincinnati IC Pacific Ind Co First American P&C IC Badger Mutual IC Austin Mutual IC Praetorian IC Sentinel IC, Ltd Liberty Mutual Fire IC American Automobile Ins Co Nationwide IC of America American Commerce IC Metropolitan P&C IC Encompass P&C Co Employers Mutual Cas Co American Family Mutual IC

$153 168 178 184 200 201 217 218 221 229 231 245 245 247 248 252 262 264 265 277 279 283 283 284 288 297 301 302 304 307 312 322 337 349 356 377 394 403 404 442
443

$153 168 178 184 200 210 217 218 245 237 231 245 245 275 248 252 262 291 265 277 279 307 310 291 288 297 301 302 304 324 312 322 390 388 399 377 394 403 404 442
377

$157 168 182 155 200 161 181 225 186 197 192 225 245 222 248 213 238 246 265 256 226 284 283 284 284 297 214 256 304 240 312 244 276 323 334 377 394 403 404 442
413

$157 168 182 155 200 168 181 225 207 205 192 225 245 245 248 213 238 270 265 256 226 313 310 291 284 297 214 256 304 252 312 244 300 362 367 377 394 403 404 442
352

$144 168 107 155 200 148 172 208 186 197 192 225 245 187 248 185 238 194 259 256 226 217 283 259 243 297 214 269 304 288 312 244 276 251 334 377 340 231 404 442
413

$144 168 107 155 200 154 172 208 207 205 192 225 245 209 248 185 238 212 259 256 226 239 310 268 243 297 214 269 304 303 312 244 300 280 367 377 340 231 404 442
352

$125 168 157 150 200 132 157 174 167 166 165 205 214 174 248 185 199 187 247 242 201 227 283 259 206 297 214 269 304 325 312 244 260 250 229 377 340 231 404 442
413

$125 168 157 150 200 138 157 174 184 174 165 205 214 194 248 185 199 204 247 242 201 246 310 268 206 297 214 269 304 342 312 244 282 277 249 377 340 231 404 442
352

$131 168 165 150 200 159 173 183 200 203 177 197 276 178 248 185 205 287 257 256 191 262 283 259 264 297 250 302 304 239 312 222 280 310 403 377 367 231 404 442
413

$131 168 165 150 200 166 173 183 223 211 177 197 276 198 248 185 205 315 257 256 191 284 310 268 264 297 250 302 304 252 312 222 304 347 441 377 367 231 404 442
352

448 504 548 561 561 568 600 642

448 504 553 561 561 632 670 642

372 392 546 399 503 467 541 378

372 392 551 399 503 518 604 378

372 531 487 601 393 467 547 536

372 531 493 601 393 518 609 536

336 504 483 327 485 467 541 536

336 504 492 327 485 518 604 536

319 504 506 388 541 467 563 595

319 504 511 388 541 518 627 595

Hypothetical C - Renter's/Tenant's 1-4 Family Unit, Contents Coverage: $80,000; Additional Living Expense Coverage: $16,000; Personal Liability Coverage: $100,000; Medical Payments Coverage: $1,000; $250 Flat Deductible. CHARACTERISTICS: A single family dwelling, duplex, tri-plex or four-plex with single-cylinder dead-bolt locks, one fire extinguisher, and a local smoke/fire detector. Masonry or frame construction. No losses in prior 3 years. Non-smoker. Median credit score * This insurer does not provide coverage for this hypothetical. Premiums shown are annual premiums as of March 1, 2011.
NAME OF INSURER
I PHOENIX II TEMPE III PEORIA IV FLAGSTAFF V TUCSON

MASONRY

FRAME

MASONRY

FRAME

MASONRY

FRAME

MASONRY

FRAME

MASONRY

FRAME

Universal North America IC Travelers Home and Marine IC Unigard Ind Co American National P&C Co State Farm Fire and Cas Co Farm Bureau P&C IC United Services Automobile Assoc California Casualty Ind Exchange Mercury Cas Co Country Mutual IC Fidelity National IC Amica Mutual IC Central Mutual IC Farmers IC of AZ Homesite Ind Co Great Northwest IC Merastar IC Pacific Specialty IC Electric IC Horace Mann IC IDS Property Cas IC Safeco IC of America Milbank IC Kemper Independence IC ACA IC Scottsdale IC Pharmacists Mutual IC Civil Service Employees IC American Modern Home IC Allstate Ind Co SECURA Supreme IC Balboa IC Owners IC Cincinnati IC ACUITY, A Mutual IC Nationwide IC of America Badger Mutual IC Liberty Mutual Fire IC Praetorian IC Pacific Ind Co First American P&C IC Austin Mutual IC Sentinel IC, Ltd American Automobile Ins Co American Family Mutual IC Encompass P&C Co Metropolitan P&C IC American Commerce IC Employers Mutual Cas Co

$211 236 272 287 289 313 346 348 351 364 370 372 381 387 396 399 401 417 418 423 423 443 451 458 479 483 487 488 504 508 529 537 580 593 601 654 662 670 719 722 743 768
771

$235 236 272 287 289 330 346 348 351 364 370 388 424 387 396 442 401 459 418 423 423 443 451 473 521 483 535 533 504 508 557 537 580 654 668 662 662 670 719 722 743 768
653

$211 242 272 292 245 247 346 289 361 303 337 321 321 389 362 357 357 386 380 423 358 443 342 458 481 483 487 433 504 356 413 537 492 562 556 652 662 589 719 722 743 768
715

$235 242 272 292 245 260 346 289 361 303 337 337 357 389 362 396 357 426 380 423 358 443 342 473 532 483 535 471 504 356 435 537 492 608 622 659 662 589 719 722 743 768
605

$200 217 272 173 245 225 346 276 328 303 337 321 321 335 362 302 357 301 380 409 358 443 342 416 356 483 487 433 504 356 496 537 516 562 433 587 379 589 719 722 640 768
715

$200 217 272 173 245 237 346 276 328 303 337 337 357 335 362 336 357 331 380 409 358 443 342 430 396 483 535 471 504 356 522 537 516 608 482 595 379 589 719 722 640 768
605

$200 185 272 254 213 199 299 252 275 259 305 270 285 286 339 281 317 289 318 390 311 443 342 416 375 483 487 407 504 356 560 537 516 381 430 583 379 532 719 722 640 768
715

$200 185 272 254 213 209 299 252 275 259 305 286 318 286 339 312 317 317 318 390 311 443 342 430 409 483 535 442 504 356 590 537 516 417 478 597 379 532 719 722 640 768
605

$200 195 272 265 211 243 393 277 288 277 292 327 346 355 362 286 302 453 327 406 310 443 311 416 438 483 487 441 504 419 412 537 580 659 535 598 379 505 719 722 692 768
715

$200 195 272 265 211 255 393 277 288 277 292 343 385 355 362 318 302 500 327 406 310 443 311 430 481 483 535 476 504 419 434 537 580 715 598 605 379 505 719 722 692 768
605

902 941 958 980 1,022 1,033

902 941 1,066 980 1,022 1,152

702 559 784 879 724 932

702 559 872 879 724 1,040

951 788 784 686 1,094 941

951 788 872 686 1,094 1,047

902 788 784 846 596 932

902 788 872 846 596 1,040

902 874 784 945 706 969

902 874 872 945 706 1,079

Hypothetical D - Renter's/Tenant's 5+ Family Units, Contents Coverage: $15,000; Additional Living Expense Coverage: $3,000; Personal Liability Coverage: $100,000; Medical Payments Coverage: $1,000; $250 Flat Deductible. CHARACTERISTICS: A building with five or more rental units, each having single-cylinder dead-bolt locks and one fire extinguisher. Central station fire/smoke alarm and a sprinkler system. Masonry or frame construction. No losses in prior 3 years. Non-smoker. Median credit score * This insurer does not provide coverage for this hypothetical. Premiums shown are annual premiums as of March 1, 2011.
NAME OF INSURER
I PHOENIX II TEMPE III PEORIA IV FLAGSTAFF V TUCSON

MASONRY

FRAME

MASONRY

FRAME

MASONRY

FRAME

MASONRY

FRAME

MASONRY

FRAME

Central Mutual IC Electric IC Owners IC American National P&C Co Pharmacists Mutual IC Travelers Home and Marine IC Unigard Ind Co Cincinnati IC Country Mutual IC Safeco IC of America SECURA Supreme IC Balboa IC State Farm Fire and Cas Co United Services Automobile Assoc Merastar IC Amica Mutual IC ACUITY, A Mutual IC Milbank IC Pacific Ind Co Allstate Ind Co Mercury Cas Co American Automobile Ins Co Fidelity National IC ACA IC Sentinel IC, Ltd Horace Mann IC American Modern Home IC Farm Bureau P&C IC Universal North America IC Pacific Specialty IC Kemper Independence IC Homesite Ind Co Farmers IC of AZ First American P&C IC Badger Mutual IC Metropolitan P&C IC Praetorian IC Encompass P&C Co Liberty Mutual Fire IC American Family Mutual IC Nationwide IC of America American Commerce IC Austin Mutual IC California Casualty Ind Exchange Civil Service Employees IC Employers Mutual Cas Co Great Northwest IC IDS Property Cas IC Scottsdale IC

$96 116 119 124 125 125 125 130 135 142 143 147 150 154 156 158 160 160 162 171 172 180 180 181 183 194 198 198 200 201 224 225 228 235 268 268 278 284 286 338 370 374 * * * * * * *

$106 116 119 124 136 125 125 145 135 142 151 147 150 154 156 162 179 160 162 171 172 180 180 194 161 194 198 208 200 220 230 225 228 235 268 268 278 315 286 338 371 374 * * * * * * *

$84 105 101 126 125 125 125 123 112 142 112 147 150 154 154 141 148 125 162 124 176 140 166 183 173 194 198 159 200 188 224 210 245 235 268 240 278 235 288 202 369 267 * * * * * * *

$91 105 101 126 136 125 125 134 112 142 118 147 150 154 154 145 166 125 162 124 176 140 166 197 153 194 198 166 200 205 230 210 245 235 268 240 278 260 288 202 370 267 * * * * * * *

$84 105 106 75 125 125 125 123 112 142 134 147 150 154 154 141 115 125 162 124 168 189 166 146 173 190 198 146 200 150 205 210 208 202 153 188 278 235 288 284 325 402 * * * * * * *

$91 105 106 75 136 125 125 134 112 142 141 147 150 154 154 145 129 125 162 124 168 189 166 155 153 190 198 153 200 164 211 210 208 202 153 188 278 260 288 284 326 402 * * * * * * *

$77 88 106 110 125 125 125 87 97 142 152 147 150 137 137 119 115 125 162 124 137 180 151 150 173 181 198 131 200 145 205 198 173 202 153 231 278 235 261 284 316 220 * * * * * * *

$83 88 106 110 136 125 125 94 97 142 160 147 150 137 137 123 128 125 162 124 137 180 151 160 153 181 198 136 200 157 211 198 173 202 153 231 278 260 261 284 318 220 * * * * * * *

$88 91 119 115 125 125 125 146 103 142 111 147 150 171 130 147 143 125 162 144 148 180 146 170 173 189 198 157 200 217 205 210 223 219 153 259 278 235 247 315 347 259 * * * * * * *

$97 91 119 115 136 125 125 159 103 142 117 147 150 171 130 151 159 125 162 144 148 180 146 183 153 189 198 164 200 238 211 210 223 219 153 259 278 260 247 315 348 259 * * * * * * *

Hypothetical E - Renter's/Tenant's 5+ Family Units, Contents Coverage: $40,000; Additional Living Expense Coverage: $8,000; Personal Liability Coverage: $100,000; Medical Payments Coverage: $1,000; $250 Flat Deductible. CHARACTERISTICS: A building with five or more rental units, each having single-cylinder dead-bolt locks and one fire extinguisher. Central station fire/smoke alarm and a sprinkler system. Masonry or frame construction. No losses in prior 3 years. Non-smoker. Median credit score * This insurer does not provide coverage for this hypothetical. Premiums shown are annual premiums as of March 1, 2011.
NAME OF INSURER
I PHOENIX II TEMPE III PEORIA IV FLAGSTAFF V TUCSON

MASONRY

FRAME

MASONRY

FRAME

MASONRY

FRAME

MASONRY

FRAME

MASONRY

FRAME

Unigard Ind Co Travelers Home and Marine IC State Farm Fire and Cas Co American National P&C Co California Casualty Ind Exchange Universal North America IC Mercury Cas Co Owners IC Central Mutual IC United Services Automobile Assoc IDS Property Cas IC Amica Mutual IC Country Mutual IC Electric IC Fidelity National IC Great Northwest IC Safeco IC of America Farm Bureau P&C IC Pacific Specialty IC ACA IC Merastar IC Farmers IC of AZ Pharmacists Mutual IC Kemper Independence IC Horace Mann IC Balboa IC Homesite Ind Co Allstate Ind Co American Modern Home IC Milbank IC Civil Service Employees IC SECURA Supreme IC ACUITY, A Mutual IC Cincinnati IC Austin Mutual IC Pacific Ind Co First American P&C IC Nationwide IC of America American Automobile Ins Co Praetorian IC Sentinel IC, Ltd Badger Mutual IC Encompass P&C Co Metropolitan P&C IC Liberty Mutual Fire IC American Commerce IC American Family Mutual IC Employers Mutual Cas Co Scottsdale IC

$134 148 150 178 179 200 209 218 221 222 227 229 231 232 245 247 248 256 264 266 279 283 283 284 292 297 298 301 312 322 331 331 349 356 358 377 382 416 426 442 443 452 495 503 510 673 674 * *

$134 148 150 178 179 200 209 218 245 222 227 237 231 232 245 275 248 268 291 286 279 283 310 291 292 297 298 301 312 322 360 348 388 399 358 377 382 418 426 442 377 452 550 503 510 673 674 * *

$134 152 150 182 148 200 215 184 186 222 192 197 192 211 225 222 248 204 246 267 226 280 283 284 292 297 274 214 312 244 272 258 323 334 358 377 382 416 332 442 413 452 407 450 424 478 394 * *

$134 152 150 182 148 200 215 184 207 222 192 205 192 211 225 245 248 213 270 292 226 280 310 291 292 297 274 214 312 244 295 272 362 367 358 377 382 417 332 442 352 452 452 450 424 478 394 * *

$134 141 150 107 142 200 202 194 186 222 192 197 192 211 225 187 248 186 194 204 226 239 283 259 285 297 274 214 312 244 272 310 251 334 358 377 329 367 450 442 413 259 407 351 424 721 562 * *

$134 141 150 107 142 200 202 194 207 222 192 205 192 211 225 209 248 194 212 223 226 239 310 268 285 297 274 214 312 244 295 326 280 367 358 377 329 369 450 442 352 259 452 351 424 721 562 * *

$134 125 150 157 130 200 167 194 167 193 167 166 165 177 205 174 248 165 187 212 201 203 283 259 271 297 259 214 312 244 255 350 250 229 358 377 329 357 426 442 413 259 407 434 383 393 562 * *

$134 125 150 157 130 200 167 194 184 193 167 174 165 177 205 194 248 172 204 231 201 203 310 268 271 297 259 214 312 244 277 369 277 249 358 377 329 359 426 442 352 259 452 434 383 393 562 * *

$134 127 150 165 143 200 177 218 200 248 166 203 177 182 197 178 248 200 287 247 191 262 283 259 284 297 274 250 312 222 275 257 310 403 358 377 355 388 426 442 413 259 407 485 364 466 624 * *

$134 127 150 165 143 200 177 218 223 248 166 211 177 182 197 198 248 209 315 267 191 262 310 268 284 297 274 250 312 222 299 271 347 441 358 377 355 389 426 442 352 259 452 485 364 466 624 * *

10

Hypothetical F - Renter's/Tenant's 5+ Family Units, Contents Coverage: $80,000; Additional Living Expense Coverage: $16,000; Personal Liability Coverage: $100,000; Medical Payments Coverage: $1,000; $250 Flat Deductible. CHARACTERISTICS: A building with five or more rental units, each having single-cylinder dead-bolt locks and one fire extinguisher. Central station fire/smoke alarm and a sprinkler system. Masonry or frame construction. No losses in prior 3 years. Non-smoker. Median credit score * This insurer does not provide coverage for this hypothetical. Premiums shown are annual premiums as of March 1, 2011.
NAME OF INSURER
I PHOENIX II TEMPE III PEORIA IV FLAGSTAFF V TUCSON

MASONRY

FRAME

MASONRY

FRAME

MASONRY

FRAME

MASONRY

FRAME

MASONRY

FRAME

Universal North America IC Unigard Ind Co Travelers Home and Marine IC State Farm Fire and Cas Co California Casualty Ind Exchange American National P&C Co United Services Automobile Assoc Mercury Cas Co Country Mutual IC Fidelity National IC Electric IC Amica Mutual IC Farmers IC of AZ Central Mutual IC IDS Property Cas IC Great Northwest IC Merastar IC Farm Bureau P&C IC Pacific Specialty IC Owners IC Homesite Ind Co Safeco IC of America ACA IC Milbank IC Kemper Independence IC Horace Mann IC Civil Service Employees IC Pharmacists Mutual IC Nationwide IC of America American Modern Home IC Allstate Ind Co Balboa IC SECURA Supreme IC Cincinnati IC ACUITY, A Mutual IC Austin Mutual IC First American P&C IC Praetorian IC Pacific Ind Co Badger Mutual IC Liberty Mutual Fire IC American Automobile Ins Co Sentinel IC, Ltd Encompass P&C Co Metropolitan P&C IC American Family Mutual IC American Commerce IC Employers Mutual Cas Co Scottsdale IC

$211 218 225 233 286 287 310 333 364 370 371 372 378 381 381 399 401 405 417 418 428 443 446 451 458 464 481 487 488 504 508 537 570 593 601 682 719 719 722 743 764 765 771 833 876 985 1,226 * *

$235 218 225 233 286 287 310 333 364 370 371 388 378 424 381 442 401 426 459 418 428 443 486 451 473 464 524 535 490 504 508 537 600 654 668 682 719 719 722 743 764 765 653 927 876 985 1,226 * *

$211 218 232 196 237 292 310 343 303 337 337 321 385 321 323 357 357 318 386 354 391 443 449 342 458 464 426 487 488 504 356 537 445 562 556 682 719 719 722 743 671 594 715 682 786 585 876 * *

$235 218 232 196 237 292 310 343 303 337 337 337 385 357 323 396 357 334 426 354 391 443 496 342 473 464 464 535 490 504 356 537 468 608 622 682 719 719 722 743 671 594 605 759 786 585 876 * *

$200 218 210 196 226 173 310 317 303 337 337 321 329 321 323 302 357 288 301 372 391 443 335 342 416 451 426 487 434 504 356 537 534 562 433 682 620 719 722 425 671 806 715 682 614 826 1,312 * *

$200 218 210 196 226 173 310 317 303 337 337 337 329 357 323 336 357 303 331 372 391 443 370 342 430 451 464 535 436 504 356 537 562 608 482 682 620 719 722 425 671 806 605 759 614 826 1,312 * *

$200 218 177 171 208 254 269 262 259 305 282 270 281 285 280 281 317 253 289 372 366 443 351 342 416 429 400 487 421 504 356 537 603 381 430 682 620 719 722 425 606 765 715 682 758 826 715 * *

$200 218 177 171 208 254 269 262 259 305 282 286 281 318 280 312 317 266 317 372 366 443 382 342 430 429 435 535 425 504 356 537 635 417 478 682 620 719 722 425 606 765 605 759 758 826 715 * *

$200 218 189 170 229 265 351 277 277 292 290 327 352 346 279 286 302 312 453 418 391 443 408 311 416 450 434 487 452 504 419 537 443 659 535 682 670 719 722 425 576 765 715 682 846 915 847 * *

$200 218 189 170 229 265 351 277 277 292 290 343 352 385 279 318 302 327 500 418 391 443 449 311 430 450 468 535 454 504 419 537 467 715 598 682 670 719 722 425 576 765 605 759 846 915 847 * *

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HOMEOWNERS INSURER TELEPHONE NUMBERS INSURER ACA IC ACUITY, A Mutual IC Allstate Ind Co American Automobile IC American Commerce IC American Family Mutual IC American Modern Home IC American National P&C Co Amica Mutual IC Austin Mutual IC Badger Mutual IC Balboa IC California Cas Ind Exchange Central Mutual IC Cincinnati IC Civil Service Employees IC Country Mutual IC Electric IC Employers Mutual Cas Co Encompass P&C Co Farm Bureau P&C IC Farmers IC of AZ Fidelity National IC First American P&C IC Great Northwest IC Homesite Ind Co Horace Mann IC IDS Property Cas IC Kemper Independence IC Liberty Mutual Fire IC Merastar IC Mercury Cas Co Metropolitan P&C IC Milbank IC Nationwide IC of America Owners IC Pacific Ind Co Pacific Specialty IC Pharmacists Mutual IC Praetorian IC Safeco IC of America Scottsdale IC SECURA Supreme IC Sentinel IC, Ltd State Farm Fire and Cas Co Travelers Home and Marine IC Unigard Ind Co United Services Automobile Assoc * Universal North America IC TELEPHONE NUMBER (866) 298-1232 (800) 242-7666 (800) 255-7828 (800) 227-1700 (800) 562-4517 (800) 374-0008 (800) 543-2644 (417) 887-0220 (888) 892-6422 (800) 328-4628 (800) 837-7833 (800) 453-5765 (866) 680-5143 (800) 786-0673 (513) 870-2000 (800) 282-6848 (480) 497-5563 (800) 227-2757 (800) 432-8422 (866) 567-3499 (480) 635-3600 (800) 327-6377 (800) 849-6140 (866) 654-9900 (800) 776-3386 (800) 466-3748 (800) 999-1030 (800) 842-3344 (877) 252-7878 (800) 837-5254 (800) 523-3796 (800) 503-3724 (800) 422-4272 (800) 944-9950 (800) 982-0756 (480) 830-7119, ext. 211 (623) 445-2500 (800) 303-5000 (800) 247-5930 (800) 962-9654 (800) 332-3226 (480) 365-4000 (866) 356-7870 (800) 423-0567 See Yellow Pages (800) 465-6241 (800) 456-1626 (800) 531-8722 (866) 458-4262

Note: Telephone numbers are subject to change Some numbers may result in the caller being referred to an agent by the insurer. * Primarily available to current, retired and former U.S. military officers and their dependents.

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How to File a Complaint

If you are unable to resolve your insurance issue/problem with your agent or insurance company, and if you believe you have been treated unfairly, have received poor service, or have some other complaint against your insurer or its agent, you may submit a request for assistance to the Arizona Department of Insurance, Consumer Affairs Division. You can obtain a complaint form from our website [www.azinsurance.gov], or simply write us a letter. Mail, fax, email or deliver your written complaint to: Arizona Department of Insurance 2910 N. 44th Street, Ste. 210 Phoenix, AZ 85018 Phone: (602) 364-2499 or (800) 325-2548 outside Phoenix Fax: (602) 364-2505 Email: consumers@azinsurance.gov

Abbreviations used in this publication

AC means "Assurance Company" Assoc means "Association" Cas means Casualty Co means Company IC means Insurance Company Ind means Indemnity Ins means Insurance P&C means Property & Casualty

The Arizona Department of Insurance is an Equal Employment Opportunity agency that complies with the Americans with Disabilities Act ("ADA") and the Arizonans with Disabilities Act. Persons with disabilities may request that materials be presented in an alternative format by contacting the ADA Coordinator at (602) 364-3100. Requests should be made as early as possible to allow time to procure the materials in an alternate format.
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