Yuma, AZ
Rental property insurance for Yuma landlords
What Yuma landlords should know before insuring a rental. A quote is not a binder.
Owners who rent out property in Yuma, Yuma County, are working in a market where 33% of occupied homes are rentals. The city counts about 100,858 residents; Arizona as a whole has a renter share of 33%.
Census snapshot: Yuma housing
| Measure | Yuma | Arizona |
|---|---|---|
| Renter-occupied homes | 33% (13,003) | 33% |
| Median owner-occupied home value | $230,000 | $394,500 |
| Median gross rent | $1,114/mo | $1,543/mo |
| Median year structure built | 1990 | 1992 |
| Homes in 2–4 unit buildings | 7% | 5% |
| Single-family homes (detached or attached) | 63% | 69% |
Data: Census ACS 5-year estimates for 2020–2024 via Census Reporter, and Census Vintage 2024 population estimates.
Insured value and premium context in Yuma
The median owner-occupied home in Yuma is valued at about $230,000, lower than the Arizona median of $394,500. Market value includes land, so it is only a starting point: your dwelling limit should reflect what it would cost to rebuild the structure.
If your rental is insured somewhere around Yuma's median, the closest NAIC benchmark is the $225,000–$249,999 band, where the 2023 Arizona dwelling-fire average was $593. The all-amounts state figure was $636.
Loss-of-rents planning in Yuma
Rents in Yuma center on about $1,114 monthly, including utilities where tenants pay them. Many owners plan for a year offline after a serious loss, which works out near $13,368 per unit at the median.
Building age and underwriting in Yuma
Half of Yuma's homes were built before 1990 and half after. Polybutylene supply lines were installed in some homes from the late 1970s to mid-1990s, and insurers may ask whether they have been replaced.
What Yuma landlords typically own
Roughly 63% of Yuma homes are single-family, 7% sit in small 2–4 unit buildings, and 10% are in larger apartment buildings. Owners of up to four units can generally use a dwelling fire policy.
Comparing Yuma to neighboring cities
For comparison, Phoenix comes in at 43% rented and $420,700 median value, with median rent of $1,582. Tucson has a renter share of 48% with homes valued around $266,200 at the median. For comparison, Mesa comes in at 36% rented and $408,000 median value, with median rent of $1,620. Among the 25 largest Arizona cities we profile, Yuma ranks 10 for renter share. Manufactured and mobile homes make up about 19% of Yuma's housing, and many dwelling programs underwrite those separately. Buildings with five or more units hold about 10% of Yuma's homes; those generally need commercial apartment coverage rather than dwelling forms.
Weather and property risks for Yuma rentals
Arizona landlords generally plan around flash flooding in washes, which needs separate flood coverage, wildfire in higher-elevation communities, and monsoon wind and dust storms. Those exposures apply in Yuma as much as anywhere in the state, so confirm deductibles and exclusions before you bind.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Requesting coverage for a Yuma rental
- Liability limit and months of rent to protect
- Street address in Yuma and number of units
- Construction year plus the age of the roof
- How it is occupied today, including any vacancy or short-term use
- Electrical, plumbing, and heating update years
- Current insurer and any losses in five years
- Lender name for the mortgagee clause
Questions from Yuma rental owners
What share of Yuma homes are rentals?
About 33% of occupied homes in Yuma, roughly 13,003 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Yuma?
Not by statute. In practice, a Yuma rental with a mortgage will need property coverage, and associations or managers often insist on liability limits.
How much does landlord insurance cost in Yuma?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Arizona dwelling-fire average of $636; see our Arizona page for the full table.
Other Arizona cities
Landlord insurance in Arizona · Cost by state
Last updated October 15, 2026. Sources and method: how we research.