How to get affordable renters insurance in Washington, D.C.
Renters insurance is an optional — but important — product that works to keep your belongings safe in the event your rental property suffers damage from common incidents. Renters insurance protects household items against fire, smoke damage, a wind storm, vandalism, theft and a collection of other mishaps.
Unlike auto insurance, renters insurance isn't priced specifically by state. Even so, there are relatively substantial variations in the cost of renters insurance policies from state to state. Renters costs in a given state may vary based on the value of — and total number of — renters claims made in the state, and depend on the value of the belongings being insured.
Getting renters insurance in Washington, D.C. is more expensive than the national average. The average annual cost of renters insurance in Washington, D.C. is $262, $78 more expensive than in other states.
The best way to acquire affordable renters insurance in Washington, D.C. is to compare rates and consider policies from as many companies as possible. Get an idea of renters insurance costs in Washington, D.C. by referencing the below data. Remember: your rates may differ, depending on your coverage limits and the valuation of your belongings.
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Renters insurance prices in Washington, D.C. by company
Renters insurance prices in Washington, D.C. vary depending on the insurer you select. USAA offers the best deal on renters policies in Washington, D.C., at only $92 annually. This compares favorably to the state average cost of $262, providing a 65% discount on average policy costs statewide.
Start shopping for renters insurance by reviewing the cheapest Washington, D.C. renters insurance carriers, detailed below.
AFFORDABLE RENTERS INSURANCE COMPANIES IN WASHINGTON, D.C.
| Company | Average Annual Rate in Washington, D.C. |
| USAA | $92 |
| Allstate | $168 |
| State Farm | $191 |
| Great Northern | $335 |
| Federal | $394 |
Renters insurance in DC by coverage tier
The cost of your renters insurance depends on the amount of coverage you carry. Two of the most common levels of renters insurance coverage are $25,000 and $50,000. In Washington, D.C., the annual cost difference between these tiers is roughly $82. If you can afford the up-front expense, it's worth considering.
| Coverage Level | Average Yearly Renters Insurance Rate in Washington, D.C. |
| $25K Property | $221 |
| $50K Property | $303 |
Tip: bundle auto and renters insurance in Washington, D.C.
If you're looking for savings, consider buying your renters and auto policies from the same insurance company. Bundling renters and auto insurance in Washington, D.C. can save you a substantial sum each month on your auto insurance policy. Bundling policies in Washington, D.C. leads to an a yearly discount of $66.
CAR AND RENTERS BUNDLING DISCOUNTS IN WASHINGTON, D.C.
| Avg. Annual Rate (No Bundle) | Avg. Annual Rate (w/ Bundle) | Annual Savings ($) | Annual Savings (%) |
| $1,496 | $1,430 | $66 | 5% |
Washington, D.C. renters insurance FAQs
Is renters insurance required in Washington. D.C.?
In Washington, D.C., renters insurance is not required, though tenants are encouraged to carry it. Many landlords may in fact require tenants to purchase and maintain it as a part of rental agreement.
What does Washington, D.C. renters insurance cover?
Renters insurance in Washington, D.C. covers your personal belongings should they become damaged, lost, stolen, or destroyed. You can also benefit from the provided liability coverage, medical payments to others, and temporary housing costs should your home be uninhabitable.
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.