Best Renters Insurance In Seattle For 2022
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 2020?
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.
Renters insurance by state.
How Much Does Seattle Renters Insurance Cost In 2020?
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.
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.
