Best Renters Insurance In Seattle For Jul 2024

by Sa El

May 22, 2024

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.

renters insurance seattle

Best For Customizability

liberty mutual logo

Liberty Mutual is rated A+ by A.M. Best and known for their great customer service is our second pick. 

Click below to get an accurate quote.

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Best For Discounts

progressive logo

Progressive is best for discounts and they have A+ ratings from both BBB and A.M. Best and is our third pick.Click below to get an accurate quote.

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Best For Educational Sources

quote wizard logo

QuoteWizard is an insurance marketplace that helps you compare quotes across several companies.

Click below to get an accurate quote.

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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.

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What Does Seattle Renters Insurance Cover In 2024?

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.

How Much Does Seattle Renters Insurance Cost In 2024?

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.

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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.

BUSINESS INSURANCE WHERE YOU LIVE

Business insurance by state.Great businesses carry great responsibilities — keep yours safe with a Business Insurance Policy.

Business insurance policies protect you against lawsuits, employee injuries, cybersecurity attacks, and property damage. Click on your state to get a free quote today.

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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, we’ve done the hard work for you. Get your free renters insurance quote today.

About the author 

Sa El