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Individuals & Families

Renters insurance inWashington.

Your landlord's policy covers the building. It does not cover your belongings, and it does not cover you if someone is injured in your unit. Renters insurance is usually the cheapest coverage you will ever buy.

Get a Renters Quote Call (206) 878-1404
The Basics

Two things people get wrong about renters insurance.

The first is thinking the landlord covers you. Their policy covers the structure. If there is a fire, a burst pipe or a break-in, everything inside your unit is yours to replace.

The second is underestimating what they own. Add up a laptop, a TV, a bike, kitchen equipment, clothes and furniture and most renters are well past $20,000 without thinking of themselves as having much.

The liability half matters just as much and gets less attention. If a guest is injured in your apartment, or your overflowing bath damages the unit below, that is your liability — and many Washington leases now require you to carry coverage for exactly that reason.

  • Usually one of the least expensive policies available
  • Covers belongings away from home too, including in your car
  • Satisfies lease requirements landlords increasingly impose
  • Bundles with auto for a discount on both

What we'll ask for:

  • Rough value of your belongings
  • Whether your lease requires a liability limit
  • Any high-value items to schedule
  • Whether you have a dog, and the breed
  • Whether you also have a vehicle to bundle
What's Included

Coverages on a renters policy

Personal Property

Replaces your belongings after fire, theft, vandalism or water damage. Ask for replacement cost rather than actual cash value.

Personal Liability

If someone is injured in your unit or you damage the property. Most leases specify a minimum limit.

Loss of Use

Pays for somewhere to stay if your unit becomes uninhabitable after a covered loss.

Medical Payments

Covers minor injuries to guests regardless of fault, which often settles a small incident before it becomes a liability claim.

Scheduled Items

Jewellery, instruments, cameras and bikes are capped by default. Scheduling them covers the real value.

Belongings Off-Premises

Items stolen from your car or while travelling are generally covered, usually at a reduced limit.

Renters Insurance FAQs

Does my landlord's insurance cover my things?
No. Their policy covers the building and their liability as the owner. Everything you own inside the unit is yours to insure, and you are responsible for your own liability as the occupant.
How much coverage do I need?
Add up what it would cost to replace everything you own, not what you paid. Most people land higher than they expect. On liability, start with what your lease requires and consider going above it, since the cost difference between limits is usually small.
Is my roommate covered on my policy?
Generally not unless they are named. A roommate usually needs their own policy. Tell us the living arrangement and we will make sure it is written correctly.
Does it cover my stuff if it is stolen from my car?
Usually yes. Personal property coverage typically follows your belongings off the premises, often at a reduced limit. Your auto policy does not cover personal items taken from the vehicle, which surprises people.
Does having a dog affect it?
It can. Some carriers restrict certain breeds on the liability side. Tell us upfront and we will place it with a company that will write it rather than discovering the problem at claim time.

Usually cheaper than a month of streaming.

Takes a couple of minutes, and it satisfies most lease requirements the same day.

Get a Renters Quote Call (206) 878-1404

No obligation. Monday–Friday, 9:00 AM – 5:00 PM.