Renters Insurance at Allure at Tempe Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Allure at Tempe Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Dog-Friendly
Dogs allowed — consider higher liability coverage
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2680/100K (70% above national average)
What You'll Likely Pay
$15
Est. Monthly
$176
Est. Annual
$14
With Discounts/mo
$14
State Avg/mo
How Much Coverage Makes Sense
Renters insurance has two main pieces: personal property coverage, which pays to replace your belongings if they're stolen or damaged (think furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you accidentally damage someone else's property. Here's what we'd recommend for Allure at Tempe Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
Liability
Covers accidental harm & lawsuits
Dog-friendly community — higher liability recommended for pet-related incidents
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Allure at Tempe Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $96/yr |
| USAA | $9/mo | $108/yr |
| State Farm | $12/mo | $144/yr |
| Progressive | $13/mo | $156/yr |
| Safeco | $13/mo | $156/yr |
| Travelers | $14/mo | $168/yr |
| Allstate | $15/mo | $180/yr |
| Nationwide | $15/mo | $180/yr |
| Farmers | $16/mo | $192/yr |
| Liberty Mutual | $18/mo | $216/yr |
Discounts You May Qualify For
Next Step
See if you can beat $14/mo
5 discounts may apply here. Real quotes show your actual price — estimates can't.
Property Crime & Theft Risk
Renters insurance pricing is driven by property crime — theft, burglary, and vehicle break-ins — not violent crime. Here's what the FBI's Uniform Crime Reporting data shows for Tempe.
Tempe property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. Allure at Tempe Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Package lockers, Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, Tempe (2024-12 to 2025-11)
What Residents Are Saying
Based on Google reviews, here are the issues residents mention most often — and the ones that matter when choosing your coverage. Longer bars indicate more frequent discussion.
What residents talk about most
Management
Consistently positive in reviews
“She’s very professional and polite.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
The seismic picture at Allure at Tempe Apartments is moderate — damaging earthquakes are uncommon but not unheard of, and standard renters insurance excludes earthquake damage regardless of likelihood. Flood risk is low at this address. The decision worth weighing is whether to add an inexpensive earthquake endorsement or skip it; the rationale for each is below.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
FEMA Zone X (0.2 Pct Annual Chance Flood Hazard) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.
Earthquake shaking
The seismic picture is in the middle: damaging earthquakes are uncommon but not negligible. Renters insurance excludes earthquake damage regardless, so the choice is whether the modest cost of an endorsement is worth the modest probability of a payout. The data point below provides the specifics.
Moderate seismic hazard · ground motion 0.08g
Endorsements priced for renters typically run under $100 a year and only cover personal property. Whether it pays back depends on the value of what's in your unit.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
This is the part of the natural-hazard picture where renters insurance actually pays out. NOAA records around 83 severe-weather events a year in Maricopa County. Damage to personal property from wind, hail, and storms is covered by a baseline policy — the historical record below is more about understanding what your policy will actually be used for than identifying a coverage gap.
Severe-weather damage to personal belongings is covered without an endorsement on every standard renters policy. The frequency above is part of why carrying the coverage matters here, not a reason to add anything extra.
Source: NOAA Storm Events Database, annual averages from the past five years for Maricopa County. Counts reflect reported events, not damage amounts.
This is the kind of address where the earthquake endorsement is a personal-preference call, not a clear-cut decision. Renters with valuable possessions usually add it; renters with mostly furniture and a laptop usually skip it.
1155 W Grove Pky, Tempe, AZ 85283
South Tempe
Monthly Cost Breakdown at Allure at Tempe Apartments
The listed rent isn't the whole number. Here's what Allure at Tempe Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Allure at Tempe Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Trash Services - Doorstep
Amount for doorstep trash removal from rental home. Charged per unit.
Utility - Billing Administrative Fee
Amount to manage utility services billing. Charged per unit.
Pest Control Services
Amount for pest control services. Charged per unit.
Trash Services - Hauling
Amount for shared trash/waste services. Charged per unit.
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumption of electric paid to a third party. Charged per unit. Payable to 3rd Party
Common Area - Electric
Usage-Based (Utilities).Shared amount for common area electr ic usage. Charged per unit.
Utility - Natural Gas - Third Party
Usage-Based (Utilities).Amount for provision and consumption of natural gas paid to a third party. Charged per unit. Payable to 3rd Party
Common Area - Gas
Usage-Based (Utilities).Shared amount for common area gas u sage. Charged per unit.
Utility - Sewer
Usage-Based (Utilities).Amount for provision of sewer servic es. Charged per unit.
Utility - Water
Usage-Based (Utilities).Amount for provision and consumption of water Charged per unit.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resi dent's provider of choice. Charged per leaseholder. Payable to 3rd Party
Administrative Fee
Amount to facilitate move-in process for a resident. Charged per unit.
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Access Device
Amount to obtain an access device for community; fobs, keys, remotes, access passes. Charged per device.
Security Deposit (Refundable)
Amount intended to be held through residency that may be app lied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Security Deposit Alternative
Amount for alternate program in lieu of paying a traditional security deposit. Charged per unit. Payable to 3rd Party
Pets Fees
Pet Deposit (Refundable)
Per Pet
Pet Fee
Max of 1. Amount to facilitate authorized pet move-in. Charg ed per unit.
Pet Rent
Max of 2. Monthly amount for authorized pet. Charged per pet
Optional Add-On Fees
Renters Liability/Content - Property Program
Amount to participate in the property Renters Liability Pro gram. Charged per unit.
Cable TV and Internet Services
Amount for cable and internet services in rental home. Charg ed per unit. Payable to 3rd Party
Situational Fees
Satellite Dish Deposit (Refundable)
Additional amount held through residency or lease term that may be applied toward amounts owed at move-out. Refunds processed per lease terms. Charged per unit.
Security Deposit - Additional (Refundable)
Additional amount, based on screening results, intended to b e held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Positive Credit Reporting Services
Amount to send positive payment history to credit reporting agency(ies); per person. Charged per leaseholder. Payable to 3rd Party
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability Policy Charged per unit.
Payment Services - Third Party
Amount for using a third party, electronic payment processin g service (i.e. credit card, ACH, etc.). Charged per unit. Payable to 3rd Party
Resident Change Fee
Amount to process a change in leaseholder during lease term. Charged per unit.
Lease Violation
Amount for violation of community policies and/or per lease terms. Charged per unit.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within c ommunity. Charged per unit.
Trash Container - Replacement
Amount to replace trash/waste container. Charged per unit.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Access/Lock Change Fee
Amount to change or reprogram access to rental home. Charged per unit.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Utility - Vacant Processing Fee
Amount for failing to transfer utilities into resident name. Charged per unit.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; exclu des rent and other charges. Charged per unit.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Payment Services - Third Party
Amount for using a third party, electronic payment processin g service (i.e. credit card, ACH, etc.). Charged per unit. Payable to 3rd Party
Lease Violation - Extermination Services
Amount for violation of pest-related community policies. Cha rged per unit.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Cha rged per unit.
Utility - Vacant Cost Recovery
Usage-Based (Utilities).Amount for utility usage not transfe rred to resident responsibility any time during occupancy. Charged per unit.
Pet Policy
Bringing a pet? Here's what Allure at Tempe Apartments allows — and keep in mind, if you have a dog, most insurance advisors recommend bumping your liability coverage to at least $300,000. Standard renters policies cover pet-related incidents, but the default $100,000 limit may not be enough if something happens.
About Allure at Tempe Apartments
From the property listing:
With Allure at Tempe Apartments, comfort meets sophistication. Picture yourself in a home that balances sleek style with warm comfort, offering a perfect retreat from the energy of city life. Our apartments in Tempe are tailored to fit your lifestyle, whether that means cozy mornings, inspired workdays, or evenings of relaxation. Pets are welcome, too, so every member of your household can feel right at home. Start your day on the right track with the 24-hour fitness center, relax by the fountains, or take a splash in the two sparkling pools.
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Disclaimer
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