Washington renters insurance

Washington renters insurance coverages

Check out the four standard coverages on nearly all Washington renters insurance policies:

• Personal property protects your personal belongings, including furniture, clothing, and electronics whether they're inside your apartment or elsewhere
• Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss
• Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property
• Medical payments to others pays for medical expenses due to a covered occurrence

Additional coverages

The best renters insurance in Washington state is always a policy with customized coverage. Here are some extra options for when you need more protection:

• Add a rider: Certain valuable items, like jewelry, may have specific limits on your renters policy. If your item exceeds the limit, you may be able to purchase an endorsement called a rider for your policy to cover the item for its value.
• Personal injury coverage: May pay for legal fees and damages if you're liable for slander or defamation.
• Water back-up coverage: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by a standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.

Learn more about all of our renters insurance coverages.

Is renters insurance required in Washington state?

Renters insurance isn't required by law in Washington, but your landlord or rental company might require you to have a policy before you can move in. Even if it's not required, renters insurance may provide cost-effective protection for tenants in Washington state.

Is renters insurance worth it in Washington?

Renters insurance offers affordable protection for tenants. The following examples show situations where renters insurance may help:

• A friend is hurt at a party in your rental home. Medical payments coverage may pay the medical bills to treat their injury.
• Your apartment unit is burglarized, and your stuff is stolen. Personal property coverage may pay to replace your stolen items, up to your coverage limit.
• A fire damages your apartment building, and you must move out while repairs are being made. Loss of use coverage may pay for temporary lodging and groceries, above what you normally pay, up to your policy's limit, while your residence is being repaired.

How much is renters insurance in Washington state?

Progressive renters policies in Washington state had an average monthly price of $15.49 or $185.91 for an annual policy in 2023.^** Remember that the cost of renters insurance is determined by several factors, including location, type of residence, and claims history.

Coverage limits can also affect your renters insurance rate. Generally, the more personal property coverage you need, the more you pay for a renters policy. Use our personal property calculator to help you take a home inventory and estimate the cost of your belongings.

How can I save on renters insurance in Washington

Take advantage of renters insurance discounts to help lower the cost of your renters policy. Progressive helps you save with discounts for bundling multiple policies, quoting in advance, paying in full, and living in a secured or gated community.

There may also be discounts that are only available in your state or county. Call 1-866-749-7436 or speak with an agent in your area to help ensure you're getting all applicable discounts.

How to quote renters insurance in Washington