Renters Insurance at The Halifax Apartments
What Affects Your Premium Here
Every building is different. These factors specific to The Halifax Apartments can push your insurance cost up or down:
Older Building
Built in 1973 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
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: 2080/100K (32% above national average)
What You'll Likely Pay
$16
Est. Monthly
$193
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 The Halifax 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
Pool on premises — higher liability recommended for accidents at shared amenities
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 Halifax 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 $16/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. The Halifax Apartments also has on-site security features (Package lockers) 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.
What residents talk about most
Noise
A recurring concern in reviews
“People letting their dogs walk around without a leash, pooping everywhere and not picking it up, screaming and yelling outside all day and neighbors blasting music from their cars…” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
At a moderate-hazard address like The Halifax 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
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
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
The seismic picture is in the middle: damaging earthquakes are uncommon but not negligible. Renters insurance excludes earthquake damage regardless, so the choice is whether the modest cost of an endorsement is worth the modest probability of a payout. The data point below provides the specifics.
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
This is the part of the natural-hazard picture where renters insurance actually pays out. NOAA records around 83 severe-weather events a year in Maricopa County. Damage to personal property from wind, hail, and storms is covered by a baseline policy — the historical record below is more about understanding what your policy will actually be used for than identifying a coverage gap.
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.
1350 E Northern Ave, Phoenix, AZ 85020
North Phoenix
Monthly Cost Breakdown at The Halifax Apartments
The listed rent isn't the whole number. Here's what The Halifax 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 Halifax Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Package Services
Amount for package services. Charged per unit.
Parking Fee
Amount for parking space/services. May be subject to availab ility. Charged per unit.
Utility Billing Bundle
Amount for multiple utility services provided in rental home Charged per unit.
Community Amenity Fee
Amount for community amenity use and services. Charged per u nit.
Trash Services - Doorstep
Amount for doorstep trash removal from rental home. Charged per unit.
Pest Control Services
Amount for pest control services. Charged per unit.
Cable TV and Internet Services
Amount for cable and internet services in rental home. Charg ed 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
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.
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.
Security Deposit Alternative
Amount for alternate program in lieu of paying a traditional security deposit. Charged per unit. Payable to 3rd Party
Pets Fees
Pet Deposit (Refundable)
| Restrictions: Rottweiler, doberman pinscher, pit bull terr ier, staffordshire terrier, chow, presa canarias, akita, alaskan malamute, wolf hybrid or any mix thereof.
Pet Fee
Max of 2. Amount to facilitate authorized pet move-in. Charg ed per pet.
Pet Rent
Max of 2. Monthly amount for authorized pet. Charged per pet
Optional Add-On Fees
Renters Liability/Content - Property Program
Amount to participate in the property Renters Liability Pro gram. Charged per unit.
Situational Fees
Month-to-Month Fee
Amount, in addition to base rent, for a month-to-month lease Charged per unit.
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability Policy Charged 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.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Cha rged per unit.
Access/Lock Change Fee
Amount to change or reprogram access to rental home. Charged per unit.
Access Device
Amount to obtain an access device for community; fobs, keys, remotes, access passes. Charged per unit.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within c ommunity. 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.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Cha rged per unit.
Lease Violation - Extermination Services
Amount for violation of pest-related community policies. Cha rged 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.
Pet Policy
Bringing a pet? Here's what The Halifax Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About The Halifax Apartments
From the property listing:
Freshly reimagined for North-Central Phoenix, The Halifax pairs boutique style with spacious one-, two-, and three-bedroom homes finished with granite countertops, energy-efficient stainless-steel appliances, hardwood-inspired floors, and an in-home washer and dryer. Outside, take in mountain views, soak up the sun at the resort-style pool and spa, push through spin or yoga in the expanded fitness studio, or let your pup romp in the pet playground. Picnic lawns, grilling stations, and an outdoor gaming patio round out the stay-cation vibe. Two minutes to HonorHealth John C.
Frequently Asked Questions
Does The Halifax Apartments require renters insurance?
How much is renters insurance at The Halifax Apartments?
What will I actually pay per month at The Halifax Apartments?
Does The Halifax Apartments allow pets?
How safe is the area around The Halifax Apartments?
What floor plans does The Halifax Apartments offer?
Is SafeButler affiliated with The Halifax Apartments?
What is SafeButler and how does it work for The Halifax Apartments renters?
Real quotes · under a minute
Ready to lock down coverage at The Halifax 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.