Renters Insurance at Terrasol Apartments
We found a few insurance details on the Terrasol 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 Terrasol Apartments can push your insurance cost up or down:
Older Building
Built in 1982 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
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
$15
Est. Monthly
$176
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 Terrasol 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
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 Terrasol 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
4 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. Terrasol Apartments also has on-site security features (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
Natural Hazards & Your Renters Coverage
Renters at this address have one borderline natural-hazard decision to make: whether to buy an earthquake endorsement on top of a standard policy. USGS rates the area as moderate seismic hazard. Flood and severe weather aren't standout concerns. Below is what each agency actually shows.
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 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
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.
The earthquake endorsement is the only meaningful optional add-on at this kind of address. Whether it's worth the premium depends on what's actually in your unit.
1010 N 48th St, Phoenix, AZ 85008
Papago
Monthly Cost Breakdown at Terrasol Apartments
The listed rent isn't the whole number. Here's what Terrasol Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Terrasol Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Community Amenity Fee
Fee for access to shared resident amenities and facilities. Charged per unit.
Pest Control Services
Regular pest prevention and treatment services. Charged per unit.
Utility Service Fee
Monthly fee for utility bill processing and administration. Charged per unit.
Common Area Utilities
Shared utility costs in community common areas. Charged per unit.
Gas Admin
Administrative costs for managing gas service billing, distr ibution, and related expenses for your apartment home. Charged per unit.
Admin Fee
Fee to process rental application and background check Charg ed per unit.
Application Fee Per Applicant
Charged per applicant.
Application Fee
Charged per applicant.
Community Amenity Set Up
Administrative fee for community amenity setup and resident program enrollment. Charged per unit.
Administrative Fee
Charged per unit.
Access Device
Electronic or physical key for secure entry to the community and/or home. Charged per unit.
Pets Fees
Dog Fee
Charged per pet.
Dog Rent
Charged per pet.
Cat Fee
Charged per pet.
Cat Rent
Charged per pet.
Pet Fee
Fee for allowing pets in the home. Charged per pet.
Pet / Animal Lease Violation
Fee issued for unauthorized pets or violations of pet policy Charged per pet.
Pet Rent
monthly charge for keeping a pet in the home. Charged per pe t.
Parking Fees
Parking - Carport
Fee for covered parking in a designated carport space. Charg ed per vehicle.
Situational Fees
Utility - Vacant Processing Fee
Preparing and administering a unit after move-out Charged pe r unit.
Satellite Deposit (Refundable)
Deposit to cover potential damages from satellite installati on. Charged per unit.
Intra-Community Transfer Fee
Charge for transferring to another home within the same comm unity. Charged per unit.
Security Deposit (Refundable)
Refundable deposit covering potential damages and unpaid ren t per lease terms. Charged per unit.
Security Deposit Alternative
Alternative to a standard security deposit typically issued through a surety bond. Charged per unit.
Renters Liability Non-Compliance
Fee for not maintaining required renter?s liability insuranc e coverage. Charged per unit.
Access Device Replacement
Charge to replace lost or damaged key, fob, or remote. Charg ed per unit.
Late Fee (Flat)
Penalty for rent or fee payments made after the due date. Ch arged per unit.
NSF Tenant Fee
Charged per unit.
Renter Liability - Third Party
Expense related to required liability coverage through a thi rd-party provider. Charged per unit.
Utility - Electric
Cost of electricity usage for your apartment. Charged per un it.
Utility - Gas
Cost of gas usage for your apartment. Charged per unit.
Utility - Stormwater / Drainage
Local stormwater management and drainage system fee. Charged per unit.
Utility - Water / Sewer
Water usage and wastewater removal costs. Charged per unit.
Concession Repayment
Tenant repayment of rent discounts if lease terms are not me t. Charged per unit.
Early Lease Termination / Buyout
Buyout for ending lease agreement before its scheduled end d ate. Charged per unit.
Legal / Eviction Fee
Costs associated with an eviction proceeding. Charged per un it.
Lease Violation
Fee for non-compliance with lease terms or community policie s. Charged per unit.
Utility - Non-transferred Utility Fee
Charge for utility costs not moved to resident?s name. Charg ed per unit.
Insufficient Move-out Notice Fee
Charge for not providing proper advance notice before move-o ut. Charged per unit.
Utility - Vacant Cost Recovery
Utility costs incurred while the unit was unoccupied. Charge d per unit.
Pet Policy
Bringing a pet? Here's what Terrasol 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 Terrasol Apartments
From the property listing:
At Terrasol, we offer one and two bedroom contemporary apartment homes for rent. Each cable ready home features a stylish kitchen with stainless steel appliances, quartz countertops, and contemporary finishes, including a dishwasher, a microwave, and a refrigerator. Other standard amenities include air conditioning, upgraded lighting, and a washer and a dryer in each home. We offer a lifestyle of comfort and convenience.
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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