Renters Insurance at The Standard Scottsdale Apartments
What Affects Your Premium Here
Every building is different. These factors specific to The Standard Scottsdale 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
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1762/100K (12% above national average)
What You'll Likely Pay
$13
Est. Monthly
$155
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 Standard Scottsdale Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$25,000
If you own more
$60,000
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 Standard Scottsdale 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 Scottsdale.
Scottsdale property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Near-average property crime means insurance premiums in Scottsdale track closely with national baselines. The Standard Scottsdale Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Video patrol, Gated, Doorman, Sprinklers) that insurers recognize with discounts.
Source: FBI UCR Program, Scottsdale (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 Paul and Neal keep the place top notch and put so much care into maintaining a gorgeous property.” — Google reviewer
Management
Consistently positive in reviews
“Maintenance always promptly addressed any issues I had and went above and beyond to ensure my comfort.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
At a moderate-hazard address like The Standard Scottsdale 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 (Area Of Minimal 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.
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.
6811 E Main St, Scottsdale, AZ 85251
Old Town
Monthly Cost Breakdown at The Standard Scottsdale Apartments
The listed rent isn't the whole number. Here's what The Standard Scottsdale 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 Standard Scottsdale 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.
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.
Utility - Billing Administrative Fee
Amount to manage utility services billing. Charged per unit.
Internet Services
Amount for internet services provided by community. Charged per unit.
Parking Fee
Amount for parking space/services. May be subject to availab ility. Charged per unit.
Utility - Gas
Usage-Based (Utilities).Amount for provision and consumption of natural gas. Charged per unit.
Common Area - Electric
Usage-Based (Utilities).Shared amount for common area electr ic usage. Charged per unit.
Common Area - Water/Sewer
Usage-Based (Utilities).Shared amount for common area water/ sewer usage. 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
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.
Pets Fees
Pet Deposit (Refundable)
| Restrictions: Breed Restrictions Apply. Call for details.
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
Pet Rent - Additional Pet
Max of 2. Monthly amount for additional authorized pet. Char ged per pet.
Pet Management - Third Party
Max of 1. Amount for authorized pet registration and screeni ng services. Charged per pet. Payable to 3rd Party
Parking Fees
Parking Fee
Max of 1. Amount for garage parking space/services. May be s ubject to availability. Charged per rentable item.
Parking Fee
Max of 1. Amount for electric vehicle space; reserved or pay -per-use station. May be subject to availability. Charged per vehicle. Payable to 3rd Party
Parking - Reserved
Max of 1. Amount for reserved parking space/services. May be subject to availability. Charged per rentable item.
Optional Add-On Fees
Common Area/Clubhouse Rental
Amount to rent a shared common area space, including clubhou se. May be subject to availability. Charged per unit.
Access Device - Additional
Amount to obtain additional access device(s) for community; additional fob, additional key. May be subject to availability. Charged per device.
Situational Fees
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.
Damage Waiver Program
Amount to participate in waiver program in lieu of obtaining liability insurance. Charged per unit.
Trash Container - Replacement
Amount to replace trash/waste container. Charged per unit.
Returned Payment Fee (NSF)
Amount for returned payment. 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.
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.
Payment Services - Third Party
Amount for using a third party, electronic payment processin g service (i.e. credit card, ACH, etc.). Charged per unit. Payable to 3rd Party
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Cha rged per unit.
Lease Violation
Amount for violation of community policies and/or per lease terms. Charged per unit.
Pet/Animal - Lease Violation
Amount for violation of community policies related to pet or assistance animal. Charged per unit.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Pet Policy
Bringing a pet? Here's what The Standard Scottsdale 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 Standard Scottsdale Apartments
From the property listing:
Imagine coming home to a vibe as mod and swanky as it is laid-back and inviting. The Standards new apartments in Scottsdale, Arizona offer the inspired fusion of mid-century classic design with a smart, modern flair that features all of todays must-have essentials. As Old Town Scottsdales newest über-chic homage to Americas stylish past, offers one-, two-, and three-bedroom apartment and penthouse homes boasting bold style and sophistication. When it comes to modern Scottsdale luxury apartments, we set a whole new Standard.
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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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