Renters Insurance at Portrait at Hance Park Apartments
We found a few insurance details on the Portrait at Hance Park Apartments website. Your lease may have additional requirements — treat these as a starting point.
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 Portrait at Hance Park 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: 2080/100K (32% above national average)
What You'll Likely Pay
$12
Est. Monthly
$147
Est. Annual
$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 Portrait at Hance Park Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
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 Portrait at Hance Park 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 $12/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 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. Portrait at Hance Park Apartments also has on-site security features (Package service, Property manager on site, Controlled access, Covered parking, Perimeter fencing) 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 Portrait at Hance Park 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.
1313 N 2nd St, Phoenix, AZ 85004
Downtown Phoenix
Monthly Cost Breakdown at Portrait at Hance Park Apartments
The listed rent isn't the whole number. Here's what Portrait at Hance Park Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Portrait at Hance Park Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Gas Reimbursement
Charged per unit.
Technology Fee
Charged per unit.
Valet Trash
Charged per unit.
Rent Service Fee
Charged per unit.
Administrative Fee
Charged per unit.
100 Screening Fee
Application Fee Charged per applicant.
Pets Fees
Non-Refundable Pet Fee
Pet Fee - Non Refundable - Dog Charged per pet.
Monthly Pet Rent
PET RENT - DOG Charged per pet.
Optional Add-On Fees
Roommate Change Fee
Per Person Per Occurrence Charged per unit.
Conditional Admin Fee
Charged per unit.
Short Term Fee 3-5 months
Short Term Fee 3-5 months Charged per unit.
Short Term Fee 6-11 months
Short Term Fee 6-11 months Charged per unit.
Situational Fees
Month To Month Charges
Charged per unit.
End of Lease Term Transfer Fee
Transfer at the end of your lease Charged per occurrence.
NSF Fee
Payment Returned Fee Charged per occurrence.
Mid-Term Transfer Fee
Charged per occurrence.
Pet Policy
Bringing a pet? Here's what Portrait at Hance Park 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 Portrait at Hance Park Apartments
From the property listing:
Escape to Portrait at Hance Park Apartments, where life becomes art. Located in Downtown Phoenix, AZ, our luxury apartment community features studio, one-bedroom, two-bedroom and three-bedroom apartments, as well as a variety of home and community amenities. We have the perfect mix of amenities, friendliness and convenience. Tour Portrait at Hance Park today! There are several floor plans available at Portrait at Hance Park in your choice of studio, one-bedroom, two-bedroom or three-bedroom options.
Frequently Asked Questions
Does Portrait at Hance Park Apartments require renters insurance?
How much is renters insurance at Portrait at Hance Park Apartments?
What will I actually pay per month at Portrait at Hance Park Apartments?
Does Portrait at Hance Park Apartments allow pets?
How safe is the area around Portrait at Hance Park Apartments?
What floor plans does Portrait at Hance Park Apartments offer?
Is SafeButler affiliated with Portrait at Hance Park Apartments?
What is SafeButler and how does it work for Portrait at Hance Park Apartments renters?
Real quotes · under a minute
Ready to lock down coverage at Portrait at Hance Park Apartments?
I'll line up top carriers side by side — pre-filled for this building so the proof of insurance is one click away.
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.
SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.