Renters Insurance at Prose Ascend Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Prose Ascend 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: 2312/100K (47% above national average)
What You'll Likely Pay
$13
Est. Monthly
$155
Est. Annual
$12
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 Prose Ascend 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 Prose Ascend 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 Avondale.
Avondale 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. Prose Ascend Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Doorman) that insurers recognize with discounts.
Source: FBI UCR Program, Avondale (2024-12 to 2025-11)
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 Prose Ascend 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.
12905 W Indian School Rd, Avondale, AZ 85392
Glendale
Monthly Cost Breakdown at Prose Ascend Apartments
The listed rent isn't the whole number. Here's what Prose Ascend Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Prose Ascend Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Common Area - Electric
Usage-Based (Utilities).Shared amount for common area electr ic usage. 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 - Gas
Usage-Based (Utilities).Shared amount for common area gas u sage. Charged per unit.
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumpt ion of water and sewer services Charged per unit.
Internet Services
Amount for internet services provided by community. Charged per unit.
Pest Control Services
Amount for pest control services. Charged per unit.
Utility - Billing Administrative Fee
Amount to manage utility services billing. 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
Package Services
Amount for package services. Charged per unit.
Parking - Reserved
Amount for reserved parking space/services. May be subject t o availability. Charged per rentable item.
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.
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Utility - New Account/Final Bill Fee
Charged per unit.
Administrative Fee
Amount to facilitate move-in process for a resident. Charged per unit.
Access Device
Amount to obtain an access device for community; fobs, keys, remotes, access passes. Charged per device.
Pets Fees
Pet Fee
We accept 2 pets per apartment home. Maximum weight allowed is 50 lbs. Pet deposit is $150 per pet and pet policy fee is also $200. Pet rent is $45 per pet, per month. Please call our leasing office for our complete pet policy.
Pet Rent
Max of 2. Monthly amount for authorized pet. Charged per pet
Parking Fees
Parking Fee
Max of 2. Amount for garage parking space/services. May be s ubject to availability. Charged per rentable item.
Parking Fee
Max of 2. Amount for parking space/services. May be subject to availability. Charged per rentable item.
Parking - Vehicle Registration
Max of 4. Amount for authorized vehicle registration. Charge d per vehicle.
Parking
Please call us for complete Parking information.
Covered
Please call us for complete Parking information.
Optional Add-On Fees
Amenity/Clubhouse Rental
Charged per unit.
Situational Fees
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within c ommunity. Charged per unit.
Access/Lock Change Fee
Amount to change or reprogram access to rental home. 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.
Insufficient Move-Out Notice Fee
Amount for not providing notice to move-out as required by l ease. 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.
Month-to-Month Fee
Amount, in addition to base rent, for a month-to-month lease 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
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability Policy Charged per unit.
Pet/Animal - Lease Violation
Amount for violation of community policies related to pet or assistance animal. Charged per unit.
Lease Violation - Extermination Services
Amount for violation of pest-related community policies. Cha rged per unit.
Lease Violation
Amount for violation of community policies and/or per lease terms. 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.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Utility - Vacant Cost Recovery
Usage-Based (Utilities).Amount for utility usage not transfe rred to resident responsibility any time during occupancy. Charged per unit.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Cha rged per unit.
Pet Policy
Bringing a pet? Here's what Prose Ascend 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 Prose Ascend Apartments
From the property listing:
Experience the lifestyle you've always dreamed of, where style and quality go hand-in-hand. At Prose Ascend, our apartment residences are thoughtfully crafted to cater to your needs and preferences, blending modern design with comfort and convenience. Here, you don't have to compromise—enjoy spacious, beautifully designed living spaces, premium amenities, and a community that makes you feel right at home. With Prose Ascend, you can truly have it all: exceptional living, endless possibilities, and a lifestyle that's uniquely yours
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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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