Renters Insurance at San Portella Apartments
What Affects Your Premium Here
Every building is different. These factors specific to San Portella Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
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
$14
Est. Monthly
$168
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 San Portella 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 San Portella 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
7 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. San Portella Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, Sprinklers, Covered parking, Perimeter fencing) 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
Maintenance
Consistently positive in reviews
“Which brings up a point, the turnover rate for staff is a little unnerving, if I were to provide any recommendations is to hire more maintenance crew.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
At a moderate-hazard address like San Portella Apartments, the question of whether to add earthquake coverage to a renters policy isn't obvious — endorsements run roughly $50–$150 a year, and the probability of a damaging quake is real but low. Flood risk here is minimal and most other weather damage is already covered. Specifics below.
Flood damage
FEMA's flood-zone classification for this address is low-risk, which means the federal government doesn't expect significant flooding here under typical conditions. A standard renters policy still excludes flood damage, but a separate flood policy is hard to justify economically when the underlying risk is low. The zone label is below for the record.
FEMA Zone X (0.2% annual chance — 500-year floodplain) — 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
Damaging earthquakes happen here, but not often — USGS rates the area as moderate seismic hazard. A renters earthquake endorsement is inexpensive (typically under $100 a year) and worth weighing against the value of what's actually in your unit. The math leans toward 'add it' if you have high-value electronics, instruments, or art; 'skip it' for sparse furnishings.
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
NOAA's records put Maricopa County squarely in severe-weather territory: roughly 83 severe-weather events a year on average over the past five years. Unlike flood and earthquake, this is the kind of damage a standard renters policy is built for — wind, hail, lightning, and storm-driven water from a damaged roof are all covered. The historical breakdown is below.
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.
Standard renters insurance is enough for most renters here. The earthquake endorsement is worth pricing if you'd find replacing your possessions out-of-pocket painful.
2155 S 55th St, Tempe, AZ 85282
Phoenix
Monthly Cost Breakdown at San Portella Apartments
The listed rent isn't the whole number. Here's what San Portella Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at San Portella Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Pest Control Services
Amount for pest control services. Charged per unit.
Utility - Billing Administrative Fee
Amount to manage utility services billing. Charged per unit.
Community Amenity Fee
Amount for community amenity use and services. Charged per u nit.
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 - Water
Usage-Based (Utilities).Amount for provision and consumption of water 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
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.
Pets Fees
Pet Management - Third Party
None
Pet Rent - Additional Pet
Max of 2. Monthly amount for additional authorized pet. Char ged per pet.
Pet Rent
Max of 2. Monthly amount for authorized pet. Charged per pet
Pet Fee
Max of 2. Amount to facilitate authorized pet move-in. Charg ed per pet.
Optional Add-On Fees
Cleaning Services
Amount for cleaning services. Charged per unit. Payable to 3 rd Party
Situational Fees
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Lease Violation - Extermination Services
Amount for violation of pest-related community policies. Cha rged per unit.
Trash Container - Replacement
Amount to replace trash/waste container. Charged per unit.
Lease Violation - Trash
Amount for violation of waste-related community policies. C harged per unit.
Pet/Animal - Lease Violation
Amount for violation of community policies related to pet or assistance animal. Charged per unit.
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.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Cha rged per unit.
Resident Change Fee
Amount to process a change in leaseholder during lease term. Charged per unit.
Month-to-Month Fee
Amount, in addition to base rent, for a month-to-month lease Charged per unit.
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.
Pet Policy
Bringing a pet? Here's what San Portella 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 San Portella Apartments
From the property listing:
Welcome to San Portella, an upscale apartment complex in beautiful Tempe, Arizona that is unlike any other. We have created a unique atmosphere of luxury, style, and comfort to fit every lifestyle. Our newly renovated one, two, and three-bedroom apartments and along with a prime location, have all been carefully designed to offer the perfect blend of quality and convenienceso you can enjoy world-class living every day.
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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