Best renters insurance in Seattle

If you rent, you need renters insurance. Find the most affordable rates in Seattle today.

Colin Lalley 1600

Colin Lalley

Published September 6, 2018

Finding renters insurance in Seattle

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.

Best renters insurance companies in Seattle

Insurance CompanyMonthly Cost - $500 DeductibleMonthly Cost - $1,000 Deductible
State Farm$10.42$10.42

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.

State FarmAllstateTravelersStillwaterLemonade
Property Coverage$20,000$20,000$30,000$20,000$20,000
Liability Coverage$100,000$100,000$100,000$100,000$100,000
Medical payments to others$1,000$1,000$1,000$2,000$1,000

Understanding renters insurance quotes

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.

  • Property coverage: Reimbursement for destroyed, damaged, lost or stolen property.
  • Liability coverage: Covers legal costs in the event that you’re sued if someone is injured in your home.
  • Medical payments to others: Covers medical costs in the event that you’re sued if someone is injured in your home.

We’ve got a full explainer of what renters insurance covers here.

Is renters insurance legally required in Seattle?

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.

Reasons to buy renters insurance in Seattle

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.

Seattle best renters insurance

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.

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About the author

Insurance Expert

Colin Lalley

Insurance Expert

Colin Lalley is the Associate Director of SEO Content at Policygenius in New York City. His writing on insurance and personal finance has appeared on Betterment, Inc, Credit Sesame, and the Council for Disability Awareness. Colin has a degree in English from the University of North Carolina at Chapel Hill.

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.