Renters insurance
Renters insurance in Washington
Renters insurance covers your belongings against theft, fire and other covered losses — at home and away — plus your personal liability and extra living costs if your apartment becomes unlivable. Your landlord's insurance covers the building, not your things.
What renters insurance covers
Short answer: Personal property, personal liability, medical payments to others, and loss of use (additional living expenses).
- Belongings stolen from your apartment, car or storage unit
- Fire, smoke and many water losses from sudden plumbing failures
- Liability if your bathtub overflows into the unit below
- Hotel and meals if a covered loss forces you out
Renters + auto: the first bundle
Short answer: Adding renters insurance to an auto policy often earns a multi-policy discount that offsets much of the renters premium.
It also builds the history that makes your first homeowners policy simpler when you buy. See bundling.
Frequently asked questions
Do apartments require renters insurance?
Many Washington leases require it, often with a minimum liability limit. Check your lease; we can send proof directly to the property manager.
How much is renters insurance?
Renters insurance is usually one of the least expensive policies a household carries; the price depends on the coverage amount, deductible and location.
Does renters insurance cover my roommate?
Usually not, unless they're a relative living with you. Each roommate generally needs their own policy.
Keep exploring
- Seattle renters insuranceSeattle renters insurance for city life: bike and car-prowl theft, older brick buildings and earthquake coverage for belongings, storage units, roommates and lease requirements.
- Auto insuranceWashington auto insurance explained: the 25/50/10 legal minimum, why most drivers need more, underinsured motorist and PIP, and how to get a car insurance quote locally.
- Home + auto bundleBundle home and auto insurance with a local Federal Way agent. When bundling saves money, when it doesn't, and how home + auto + umbrella work together.
- Landlord insuranceLandlord insurance for Washington rental owners: the building, lost rent, and liability — and why a homeowners policy stops covering a home once you rent it out.
- Condo insurance (HO-6)Condo insurance (HO-6) covers your unit's interior, belongings and liability, plus loss assessments from the HOA. What the HOA master policy covers — and what it leaves to you.
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