How to get affordable renters insurance in Washington
Renters insuranceis a great — and cheap! — way to ensure your personal belongings are insured against common incidents. A renters insurance policy covers items against fire, smoke damage, wind, vandalism or theft and a collection of other mishaps.
Unlike auto insurance, renters policies aren’t priced based on state-level legislation. Regardless, there are surprisingly large gaps in the cost of renters policies from state to state. Renters insurance policy prices in US states diverge depending on the frequency of — and value of — renters insurance claims in the state, and depend on the value of the belongings covered by the policy.
Renters insurance in Washington is cheaper than the US average. The typical annual renters insurance rate in Washington is $138, $46 less expensive than in other states.
The best way to find an affordable renters insurance policy in Washington is to view prices from as many insurance companies as you can. Learn average renters insurance rates in Washington via the below data. Individual rates may vary depending on coverage options and the value of your belongings.
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Renters insurance prices in Washington by company
Prices for renters insurance in Washington differ depending on which insurance company you choose. PEMCO Insruance offers the best deal on renters insurance in Washington — $90 yearly. This compares favorably to the state average price of $138, providing a 35% price break on average policy costs statewide.
Start shopping for a renters policy by viewing average rates from top Washington companies, listed below.
AFFORDABLE RENTERS INSURANCE COMPANIES IN WASHINGTON
| Insurer | Average 12-Month Rate in Washington |
| PEMCO Insruance | $90 |
| Grange Insurance | $102 |
| Country | $110 |
| Safeco | $120 |
| Travelers | $126 |
Washington renters insurance costs by city
Renters insurance rates in Washington vary depending on the city. Pricing depends on city-specific variables, including the number of claims filed in the immediate area, giving your ZIP code weight in deciding how much you pay.
The cheapest renters insurance rates in Washington are in Pasco. The average renters insurance policy in Pasco costs only $129 per year — $9 less than the state average. The below table shows the best places to live in Washington if you’re looking for cheap renters insurance.
CHEAPEST CITIES FOR RENTERS INSURANCE IN WASHINGTON
| City | Average Annual Renters Insurance Rate |
| Pasco | $129 |
| Spokane Valley | $131 |
| Kennewick | $133 |
| Richland | $133 |
| Spokane | $134 |
Searching for info on renters insurance for a specific city? Check out our list of the biggest metropolitan areas in Washington.
Renters insurance in WA by coverage tier
The cost of your renters insurance policy will be influenced by the amount of coverage you opt to carry. Two of the most common levels of renters insurance coverage are $25,000 and $50,000 property coverage. In Washington, the annual cost differential between these levels is approximately $38. If you can afford to insure your personal property at this additional expense, it's worth considering.
| Coverage Level | Average Yearly Renters Insurance Rate in Washington |
| $25K Property | $119 |
| $50K Property | $157 |
Tip: bundle auto and renters insurance in Washington
If you’re seeking ways to save on your insurance expenditures, consider holding your car and renters policies with the same insurance company. A renters and car insurance bundle in Washington can lead to substantial savings on your auto insurance bill. Bundling policies in Washington may generate average annual savings of $57.
CAR AND RENTERS BUNDLING DISCOUNTS IN WASHINGTON
| Avg. Annual Rate (No Bundle) | Avg. Annual Rate (w/ Bundle) | Annual Savings ($) | Annual Savings (%) |
| $1,205 | $1,148 | $57 | 5% |
Washington renters insurance FAQs
Is renters insurance required in Washington?
Washington does not require tenants to carry renters insurance. It is highly recommended that tenants carry it anyhow, and some landlords can require it as part of the rental agreement.
What does Washington renters insurance cover?
In Washington state, renters insurance will replace personal belongings should they be destroyed, lost, or stolen. Most policies will also provide liability coverage, medical payments to others, and will cover temporary housing costs should your home be unihabitable.
