|Seattle Renters Insurance | By Julie Resling|
|Posted: 05/14/2012 9:53 pm|
Get Renters Insurance Before You Need It
Renting in Seattle is unlike any other city in the United States because the need for rental insurance is offset by the cost. Seattle renters insurance is actually an investment that gives you coverage and protection that other types of insurance plans just can’t provide. By getting renters insurance for apartments or homes, you can be sure that you’ll be prepared for liability issues should an injury or accident ever occur in your rental. Furthermore, there are options for personal property coverage and natural disasters; something needed specifically in your renters insurance, Seattle.
Many renters insurance Seattle plans are completely customizable and fit right into your monthly budget. What’s more is that cheap renters insurance quotes and even free renters insurance quotes from many of the best renters insurance companies in Seattle are available by giving us a call at 800-470-8208 OR fill out the form below.
What Is Renters Insurance and What Does It Cover?
Typically, the HO-4 policy is ideal for renters insurance, Seattle. Here are some of the basic tenets covered in a Seattle renters insurance agreement. The following pertain directly to your personal property:
- Fire and lightning
- Riots and civil unrest
- Damage caused by vehicles and aircraft
- Smoke Damage
- Vandalism or malicious mischief
- Falling objects
- Collapse or damage due to weight of ice, snow, or sleet
- Accidental discharge or overflow of water or steam from plumbing, heating, air conditioning, automatic sprinkler systems or household appliances
- Steam, air conditioning and sprinkler system damage (non-water damage)
- Freezing of a plumbing, heating, air conditioning, automatic sprinkler systems or household appliances
- Electrical damage
Floods and earthquakes may require additional coverage so be sure to ask when receiving your free renters insurance quotes online. In the event that your home becomes unlivable due to fire or other devastating damage, most Seattle renters insurance policies will provide you with either a place to stay or the monetary means to do so.
How Much Renters Insurance Do I Need?
In order to figure out how much rental insurance you need, you will have to first determine the value of your possessions by taking inventory. There are many sites out there that will help you do this, providing free worksheets to facilitate the inventory process for Seattle renters insurance.
Once you have this number, you will be better able to work with a Seattle renters insurance company to assess the adjustable coverage you need in both maximum limits and deductible levels. While you’ll want to keep your deductible as low as possible, you’ll want to carry as much coverage as you can safely afford. Sometimes this means raising your deductible but it really is a balancing act hinged upon just how valuable your possessions are to you.
You’ll also want to look at personal liability for renters insurance, Seattle. An average Seattle renters insurance policy will often come with $100,000 worth of liability protection, but that number is adjustable as needed. Liability will protect you should an accident occur in your rental apartment or home by taking care of the medical and legal costs of an injured visitor.
One of the best things about Seattle renters insurance is that liability and personal property are covered wherever you go, not just at home. Be sure to inquire with the company that ultimately provides your rental insurance, Seattle. When in doubt, give us a call at 800-470-8208 OR fill out the form below.
Average Cost Of Rental Insurance
Of course, when someone asks, “How much does rental insurance cost in Seattle?” the answer given can never be a solid one. This is because of the fluctuation from insurance company to company as well as location, building type and your own personal possessions.
It is possible to give an average cost of rental insurance, Seattle, and that is between $5 and $40 a month. That’s it! Seattle rental insurance is fairly cheap.
Finding The Best Renters Insurance Companies
Typically, when looking for a good rental insurance company online, it is wise to get many free renters insurance quotes online and compare them side by side. Even if you have renters insurance, Seattle, it’s always a good idea to check competition for falling insurance rates and trends. The market is constantly changing and staying abreast of it could help you get lower premiums and deductibles.
Cash-Value or Replacement-Cost Renters Insurance Coverage, Seattle?
Most Seattle renters insurance experts will agree that replacement-cost is the way to go with your renters insurance, Seattle. With a cash-value policy, you will only receive what your couch or TV was worth, minus depreciation. With a replacement-cost policy, you’ll receive the amount to buy a brand new couch or TV. Be smart with your renters insurance, Seattle: get replacement-cost. If you are looking for auto insurance in Renton, WA then click this link.
Top Renters Insurance Companies in Seattle
Here’s a list of the first companies you should look for when purchasing your renters insurance, Seattle. These companies all offer the finest policies at the most competitive rates as well as cheap renters insurance quotes or free renters insurance quotes. They understand your need for a personalized policy that suits you, but won’t break your bank.
|- State Farm Renters Insurance||- Nationwide Renters Insurance|
|- Allstate Renters Insurance||- Travelers Renters Insurance|
|- Geico Renters Insurance||- American Family Renters Insurance|
|- Progressive Renters Insurance||- Farmers Renters Insurance|
|- Liberty Mutual Renters Insurance||- AAA Renters Insurance|
|- Mercury Renters Insurance||- Hartford Renters Insurance|
|- USAA Renters Insurance||- MetLife Renters Insurance|
Seattle Zip Codes and Neighborhoods with the Most Apartments
Some renters insurance plans are available only in certain areas. Check the list below and see if you’re living in the right zip code. Looking to rent? Even better! Here’s a list of the best places to look!
|Adams||East Queen Anne||Lake Union||North Queen Anne||South Delridge|
|Alki Point||Eastlake||Lakewood||Northgate||South End|
|Arbor Heights||Fairmount Park||Laurelhurst||Northlake||South Lake Union, Seattle|
|Atlantic||Fauntleroy||Lawton Park||Olympic Hills||South Park|
|Ballard||First Hill||Leschi||Phinney Ridge||Southeast Magnolia|
|Beacon Hill||Fremont||Lower Queen Anne||Pigeon Point||Stevens|
|Belltown||Gatewood||Loyal Heights||Pike-Market||Sunset Hill|
|Bitter Lake||Genesee||Madison Park||Pike-Pine Corridor / Pike/Pine||University District (“U. District”)|
|Briarcliff||Georgetown||Madison Valley||Pinehurst||University Village|
|Brighton||Green Lake||Madrona||Pioneer Square||Victory Heights|
|Broadmoor||Greenwood||Madrona Valley||Portage Bay / Roanoke||View Ridge|
|Broadview||Haller Lake||Magnolia||Queen Anne||Wallingford|
|Broadway||Harbor Island||Mann||Rainier Beach / Atlantic City Beach||Washington Park|
|Bryant||Harrison/ Denny-Blaine||Maple Leaf||Rainier Valley||Wedgwood|
|Capitol Hill||Hawthorne Hills||Matthews Beach||Rainier View / Lakeridge||West Edge|
|Cedar Park||High Point||Meadowbrook||Ravenna||West Queen Anne|
|Central Seattle||Highland Park||Maplewood||Renton Hill||West Seattle|
|Central Waterfront||Hillman City||Minor||Riverview||West Woodland|
|Cherry Hill & Squire Park||Holly Park/ NewHolly||Montlake||Roosevelt||Westlake|
|Columbia City||Industrial District||Mount Baker||Roxhill||Whittier Heights|
|Crown Hill||Interbay||North Admiral/ Admiral District||Sand Point||Windermere|
|Delridge||Interlaken||North Beach / Blue Ridge||Seaview / Mee-Kwa-Mooks||Yesler Terrace|
|Denny Regrade||International District (“ID”)||North Beacon Hill||Seward Park|
|Downtown||Judkins Park||North College Park||SoDo|
|Dunlap / Othello||Lake City||North Delridge||South Beacon Hill / Van Asselt|
Be smart about where you reside. Ask your Seattle renters insurance agent, or give us a call at 800-470-8208 for more details on how you can get renters insurance today OR fill out the form below.[si-contact-form form='2']