Renters Insurance at The Aubrey Apartments
What Affects Your Premium Here
Every building is different. These factors specific to The Aubrey 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
Security System Issues
1 mention of broken gates, cameras, or locks in reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2680/100K (70% above national average)
What You'll Likely Pay
$12
Est. Monthly
$147
Est. Annual
$11
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 The Aubrey 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 The Aubrey 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 $11/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. The Aubrey Apartments also has on-site security features (Controlled access, Property manager on site, Concierge, Gated, Doorman, Sprinklers, Covered parking) 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
“The maintenance team is really great and kind, but there were too many downsides to justify living here for the price you’re paying.” — Google reviewer
Security
A recurring concern in reviews
“Also homeless people are a fan of the garage and stairwells in the winter if that’s a big deal for you but never encountered any hostility.” — Google reviewer
Parking
Mixed feedback in reviews
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.
1003 W Washington St, Tempe, AZ 85288
Phoenix
Monthly Cost Breakdown at The Aubrey Apartments
The listed rent isn't the whole number. Here's what The Aubrey Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at The Aubrey Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Liability Waiver Fee
Liability Waiver Fee: $15 due monthly Charged per unit.
Valet Trash
Valet Trash: $25 due monthly Charged per unit.
Pest Control
Pest Control: $4 due monthly Charged per unit.
Utility Service Fee
Utility Service Fee: $4.65 due monthly Charged per unit.
Amenity Fee
Amenity Fee: $45 due monthly Charged per unit.
Package Management Fee
Package Management Fee: $5 due monthly Charged per unit.
Administration Fee
Administration Fee: $150 due at application Charged per unit
Application Fee
Application Fee: $50 due at application Charged per applican t.
Pets Fees
Dogs - Pet Fee (Dog)
Pet Fee (Dog): $300 due at move-in Charged per pet.
Dogs - Pet Rent (Dog)
Pet Rent (Dog): $50 due monthly Charged per pet.
Cats - Pet Fee (Cat)
Pet Fee (Cat): $300 due at move-in Charged per pet.
Cats - Pet Rent (Cat)
Pet Rent (Cat): $50 due annually Charged per pet.
Parking Fees
Garage Parking
Garage Parking: $200 due monthly Charged per vehicle.
Parking
Parking: $100 due monthly Charged per vehicle.
Optional Add-On Fees
Security Deposit
Security Deposit: $1,000 deposit due at lease signing Charge d per unit.
RentPlus (Credit Reporting)
RentPlus (1 Renter): Multiple pricing tiers Charged per unit
Pet Policy
Bringing a pet? Here's what The Aubrey 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 The Aubrey Apartments
From the property listing:
The Aubrey sets the benchmark for sophisticated apartment living in a thriving global setting. Savor life at its best from the comfort of your new Tempe address as style, service, and innovative luxury combine for a lifestyle like no other within The Grand at Papago Park Center.
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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