If you're moving to a new rental or just want to update your renters insurance, you can find significant savings in Seattle.
We strive to make getting insurance a smooth and informative process.
So, we've rated the top 5 companies that offer the best renters insurance companies that Seattle residents will find.
Our top choice is Lemonade and if you want to know why we chose them, read on.
Our #1 Pick
Lemonade is our #1 pick overall for renters insurance in Seattle. Their application is super fast, their site is easy to navigate, and they have some of the lowest rates.
Find Out Who Made Our Best Renters Insurance In Seattle List.
Plus More Details On Each Company, Why You Need Renters Insurance, What Does It Cover, And How To Apply For Coverage.
1. Lemonade
5.0
Lemonade has streamlined the process of getting insurance. Answer a few questions, and their AI, Maya, will build your policy.
The process takes less than 2 minutes. They've embraced technology in other ways as well. Need to make a claim? You can record a short video and answer a few questions to get the ball rolling.
Their financial model is different from anything we've seen in the industry.
They take a small fee off the top, use the rest for claims, and donate anything leftover at the end of the year through their Giveback program.
Pros
Cons
The Better Business Bureau gave Lemonade an A-. AM Best has not rated them yet, but Demotech gave them an A Exceptional rating.
Overall, Lemonade is the best renters insurance company.
2. Amica
4.5
If customer service is the most important thing on your list, then Amica has got you covered.
The first insurance company to receive 50 J.D. Power Customer Satisfaction awards, Amica, takes their service seriously.
They also offer flexible policy options and several discounts, so your monthly payments are low. With Amica, you will feel like you have it all.
Pros
Cons
The Better Business Bureau and AM Best gave Amica an A+ rating.
Amica has the best customer service, hands-down.
3. Progressive
4.5
If you love a deal, Progressive may be the insurance company for you. They offer an impressive array of discount opportunities.
Then, they show you their competitor's price for a similar policy, so you know exactly how much you're saving over the other firm.
If money is tight, consider using their "Name Your Price" tool and build a policy around your budget.
Pros
Cons
The Better Business Bureau, as well as AM Best, rated Progressive an A+.
Progressive offers the best insurance discounts and has a top-rated customer service department in Seattle.
4. Quote Wizard
4.0
QuoteWizard is an insurance marketplace. What this means is that insurance companies compete for your business; you simply have to fill in your needs to see their offers.
Also, QuoteWizard is unaffiliated, so you can trust that the quotes are not low-ball offers to get you into the door.
You can't go wrong with this family-owned and operated business.
Pros
Cons
AM Best and the Better Business Bureau have not yet rated QuoteWizard.
QuoteWizard is the best insurance company when it comes to comparing competitive offers between insurance companies.
5. Liberty Mutual
4.0
If you're a college student in Seattle, you know that money can be tight.
Liberty Mutual can help. They offer liability limits as low as $5,000āone of the lowest limits we've ever seen.
With several ways to save, Liberty Mutual is worth a look.
Pros
Cons
AM Best and the Better Business Bureau have both given Liberty Mutual an A rating.
Liberty Mutual has the best coverage for young tenants and college students in Oregon.
Is Renters Insurance Required in Seattle?
No. Seattle doesn't legally require renters insurance. According to the Census Bureau, only 51% of renters in Seattle have a renters insurance policy.
While the law does not mandate renters insurance, your landlord may require it.
Renters insurance protects you, your guests, and your possessions. In the case of an accident or injury, you don't want to be without it.
Does Seattle Renters Insurance Cover Floods?
No. Seattle gets a ton of rain, so water damage is a concern if you live on a low plain.
Renters Insurance policies do not typically cover flood damage.
They do include water damage from a leaky roof or burst pipe.
You have the option of purchasing flood insurance as a separate policy, however.
THE SIMPLY INSURANCE WAY
Renters Insurance made easy.
Agents not required.
Get quotes and sign up online without talking to an agent. But, we are here if you need us.
Unbiased, expert advice.
Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.
Coverage in minutes.
You can get renters insurance coverage within minutes of getting your quotes and applying.
What Does Seattle Renters Insurance Cover In 2020?
When purchasing renters insurance, Seattle residents should understand precisely what is covered and what isn't.
Renters insurance covers your personal property, accident liability to someone else's property or person, and the loss of use to your rental and possessions.
But what does that mean?
Personal Property
Your insurance company will pay to repair or replace any of your possessions that are destroyed, damaged, or stolen.
This includes furniture, clothing, appliances, and more.
Personal Liability
Liability covers legal costs in the cast that someone is injured while in your home and files a lawsuit against you.
This coverage can include medical expenses and related charges.
Loss of Use
The loss of use rider kicks in if your rental property sustains damage to the point that you can no longer live in it.
The company will pay for hotel costs and sometimes items you need to survive, such as food.
INSURANCE WHERE YOU LIVE
Renters insurance by state.
How Much Does Seattle Renters Insurance Cost In 2020?
Renters insurance policies in Seattle can cost as little as $144 a year, or $12 a month.
Depending on your coverage needs and location, it can also cost upwards of $216 a year, or $18 a month.
Will Renters Insurance Cover My Roommate?
No. Unless you add your roommate to your policy, they are not covered.
They should purchase a renters insurance policy of their own.
How Can I Buy Seattle Renters Insurance?
To buy Seattle renters insurance you should follow the below steps.
View Your Instant Quote
First, you want to click here or any of the above buttons to start the quote process, you won't need any personal information other than the address to get your quotes fast. Once you have your quotes and pick the coverage option that works best for you, it's time to get covered.
Get Your Personal Information Together
You will need your name, address, and Social Security number. The online forms guide you through several questions to learn more about the rental you will be living in and what coverage you need.
Start Your Online Application
Once you have all of your personal information together, your next step will be to start the application. This will be easy by just following the prompts after you complete your quote.
Know The Safety Features Of Your Rental
The application might ask about smoke detectors, sprinkler systems, and deadbolts. The best renters insurance will offer discounts for those features.
Sometimes, the intake form may also ask if you have pets, especially certain dog breeds. Overall the process can take less than five minutes.
Answer Your Questions Honestly
Be sure to answer every question, truthfully. If you do not, and something happens, the company may deny your claim. Even if they do not deny your claim, you still may be committing fraud.
Add Any Additional Interest
Some landlords may require you to add them as an additional interest; this will let them know if the policy has lapsed or when you have renewed your policy. Most companies can add this during the application process or immediately afterward.
Print Your Proof Of Insurance
Once your policy has been approved and paid for, simply print out your proof of insurance, and you're covered.
THE SIMPLY INSURANCE WAY
Renters Insurance made easy.
Agents not required.
Get quotes and sign up online without talking to an agent. But, we are here if you need us.
Unbiased, expert advice.
Get unbiased insurance education from licensed experts and also avoid dodgy sales calls.
Coverage in minutes.
You can get renters insurance coverage within minutes of getting your quotes and applying.
Take Action
As we stated earlier, Lemonade is our top choice because it provides value and simplicity.
If you have a unique situation, like being in college, other options on our list may be better for you.
Don't waste any time thinking about this, if you need renters insurance, weāve done the hard work for you. Get your free renters insurance quote today.
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