Cost & Coverage
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If you rent, you need renters insurance. Find the most affordable rates in Seattle today.
Even though renters insurance is the best way to protect your personal belongings if they are damaged or stolen, only 51% of renters in Seattle have renters insurance according to data from the U.S. Census Bureau. Are you one of them?
If you’re a Seattleite renter who doesn’t have renters insurance, find out how easy and affordable it can be to get covered by the country’s top insurers today.
|Insurance Company||Monthly Cost - $500 Deductible||Monthly Cost - $1,000 Deductible|
Note: Lemonade is not available in Seattle
Methodology: We pulled renters insurance quotes online from five of the most popular insurance companies: State Farm, Lemonade, Allstate, Travelers and Stillwater. Quotes were for policies with $500 and $1,000 deductibles for a 30-year-old male apartment renter. We deferred to the most comparable coverage amounts when identical policies were unavailable.
|Medical payments to others||$1,000||$1,000||$1,000||$2,000||$1,000|
Renters insurance coverage is more than just protecting your personal property. Here’s a rundown of the basic components of a policy when you’re comparing renters insurance rates.
We’ve got a full explainer of what renters insurance covers here.
Renters insurance is not legally mandatory in Seattle. However, landlords can retuire it as a condition of renting out a house or apartment. You should check with your potential landlord and get renters insurance quotes before you sign your lease to ensure a smooth process in becoming a tenant.
Seattle is known for its overcast weather. And while the Emerald City might not be gloomy, its reputation for rain isn’t unfounded. According to the NOAA, Seattle averages over 5 inches of rain three months out of the year (January, November, and December).1 It also annually averages 150 rain days (days with at least 0.01 inches of precipitation). This can be a big deal when it comes to renters insurance: a leaky roof can damage a lot of your stuff — maybe even an entire room — and a good renters policy can ensure that you’re not left footing the entire bill.
Renters insurance also protects against theft. In 2016 there were over 26,600 reported cases of larceny theft and over 7,600 reported cases of burglary.2 Just like with damaged items, renters insurance helps with stolen items because once you pay the deductible, the insurance company will help pay to replace your items.
Plus, with the cost of renters insurance averaging under $13 a month in Seattle, there’s really no reason to not buy it. You can get $20,000 worth of property coverage for under $150 a year; that’s valuable (and affordable) peace of mind.
Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. Consult a professional to learn what financial products are right for you.
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Yes, we have to include some legalese down here. Read it larger on our legal page. Policygenius Inc. (“Policygenius”) is a licensed independent insurance broker. Policygenius does not underwrite any insurance policy described on this website. The information provided on this site has been developed by Policygenius for general informational and educational purposes. We do our best efforts to ensure that this information is up-to-date and accurate. Any insurance policy premium quotes or ranges displayed are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following application. Savings are estimated by comparing the highest and lowest price for a shopper in a given health class. For example: for a 30-year old non-smoker male in South Carolina with excellent health and a preferred plus health class, comparing quotes for a $500,000, 20-year term life policy, the price difference between the lowest and highest quotes is 60%. For that same shopper in New York, the price difference is 40%. Rates are subject to change and are valid as of 2/17/17.
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