Renters Insurance at Omnia on Thomas Apartments
The Omnia on Thomas Apartments website asks for at least $300,000 in liability coverage, and you'll need to add the property as an interested party on your policy. They list Jetty on their site, but you're not limited to those. Any carrier that meets these minimums will be accepted.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to Omnia on Thomas Apartments can push your insurance cost up or down:
Older Building
Built in 1971 — older plumbing/electrical may increase risk
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Theft Reports
4 mentions in Google reviews
Pest Issues
3 mentions in Google reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2080/100K (32% above national average)
What You'll Likely Pay
$16
Est. Monthly
$193
Est. Annual
$15
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 Omnia on Thomas Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$10,000
If you own more
$25,000
Liability
Covers accidental harm & lawsuits
Lease minimum
What this community requires
We recommend
Minimum rarely covers an actual lawsuit
Pool on premises — higher liability recommended for accidents at shared amenities
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Omnia on Thomas 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 $15/mo
6 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 Phoenix.
Phoenix 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. Omnia on Thomas Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, Gated access, Package lockers, Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, Phoenix (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.
On-Site Security
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Omnia on Thomas Apartments.
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.
1645 E Thomas Rd, Phoenix, AZ 85016
Midtown Phoenix
Monthly Cost Breakdown at Omnia on Thomas Apartments
The listed rent isn't the whole number. Here's what Omnia on Thomas Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Omnia on Thomas Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Final Utility Fee
Final Utility Fee: based on usage due at move-out Charged pe r unit.
Pest Control Fee
Pest Control Fee: $5 due monthly Charged per unit.
Monthly Utility Fee
Monthly Utility Fee: based on usage due monthly Charged per unit.
Trash
Trash: based on usage due monthly Charged per unit.
Pets Fees
Dog - Pet Fee
Pet Fee: $300 due at move-in Charged per pet.
Dog - Pet Rent
Pet Rent: $35 due monthly Charged per pet.
Cat - Pet Fee
Pet Fee: $300 due at move-in Charged per pet.
Cat - Pet Rent
Pet Rent: $35 due monthly Charged per pet.
Optional Add-On Fees
Administrative Fee
Administrative Fee: $150 deposit due at application Charged per unit.
Pet Screening Fee
Pet Screening Fee: $25 due at application Charged per unit.
Application Fee
Application Fee: $55 due at application Charged per applican t.
Positive Credit Reporting
Positive Credit Reporting: $14.95 due monthly Charged per un it.
Valet Trash
Valet Trash: $20 due monthly Charged per unit.
Utility Fee - Vacant Service Fee
Utility Fee - Vacant Service Fee: $50 due monthly Charged pe r unit.
Late Rent Fee
Late Rent Fee: $75 due at late rent Charged per unit.
Insufficient Funds Fee
Insufficient Funds Fee: $50 due upon conditions Charged per unit.
Transfer Fee
Transfer Fee: $500 due upon conditions Charged per unit.
Valet Trash Can Replacement
Valet Trash Can Replacement: $51.15 due upon conditions Char ged per unit.
Force Placed Insurance
Force Placed Insurance: $55 due upon conditions Charged per unit.
Water
Water: based on usage due monthly Charged per unit.
Common Area Electric
Common Area Electric: based on usage due monthly Charged per unit.
Common Area Gas
Common Area Gas: based on usage due monthly Charged per unit
Electric
Electric: based on usage due monthly Charged per unit.
Lease Break Fee
Lease Break Fee: 200% of rent due at early termination. Char ged per unit.
Pet Policy
Bringing a pet? Here's what Omnia on Thomas Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Omnia on Thomas Apartments
From the property listing:
Cozy living with a hometown feel. When you are at Omnia on Thomas, you are home. Enjoy a wide range of amenities in and around your new space! In your apartment, you get spacious high ceilings with hardwood-style flooring, new appliance packages, large closets, and newly updated bathrooms. Our upgraded homes also feature designer countertops and cabinetry, accent walls, and patios or balconies. Around the community, you can also indulge in one of our four sparkling swimming pools, complete with cabanas and shaded areas.
Frequently Asked Questions
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Disclaimer
The information on this page — including rent prices, fees, floor plans, amenities, insurance requirements, and safety data — is collected from publicly available sources and may not reflect the most current details. Apartment communities may update their offerings, policies, and pricing at any time. Always confirm details directly with the leasing office or the community's official website before making any decisions.
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