Washington, D.C. Renters Insurance

Learn more about renters insurance in Washington, D.C..

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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.

 
Jump to:
  1. Rates by company
  2. Rates by coverage level
  3. Bundling discounts
  4. Frequently asked questions
 

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.



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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

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