Cheap Renters Insurance in Washington

State Farm offers Washington's best cheap renters insurance. American Family has the highest customer reputation score, and Nationwide provides the best coverage options.

*Rates based on good credit, no claims history, $50K property damage, $100K liability coverage, $1,000 deductible and guaranteed replacement.

Before renting in Washington, run your belongings through our renters insurance calculator to account for the state's higher cost of living and elevated replacement costs in urban areas.

Our list covers most renters, but your ideal options may differ. Use this table to filter results for your profile.

The section below details our top pick for affordability, customer service and coverage options for Washington renters insurance.

Washington renters insurance costs an average of $207 annually, $35 less than the $242 national average. These rates reflect $50K personal property coverage, $100K liability limits and a $1,000 deductible. Your rates may vary based on your profile.

Renters insurance costs vary by city. Bellevue's average annual premium is $173, while Tacoma's is $179 for policies with $50K personal property and $100K liability coverage. Check the table for your city's average cost.

*Rates based on good credit, no claims history, $50K property damage, $100K liability coverage, $1,000 deductible and guaranteed replacement.

Finding the best and cheapest renters insurance in Washington can be challenging. This guide helps you choose coverage that fits your needs.

Washington doesn't legally require renters insurance, but most landlords require at least $100K in liability coverage. Requirements vary based on your rental history, credit and pets. Consider your property value, weather risks, local crime rates and pet ownership when determining coverage needs.

Use our calculator below to determine your ideal personal property limits so you know how much renters insurance you need.

Washington renters encounter risks demanding targeted coverage:

• Weather threats: Earthquakes, wildfires, volcanic eruptions, tsunamis and landslides strike certain Washington areas with high frequency. Standard policies exclude these perils, forcing separate policy purchases.
• Property crime exposure: Statewide property crime rates rank second nationally, while identity theft and fraud place Washington 29th. Supplemental property damage coverage and add-ons boost protection against theft losses.
• Pet liability needs: Your animal determines whether pet liability coverage becomes necessary. Standard policies vary by provider. Some include pet coverage automatically, others charge extra through add-ons.
• High-value belongings: Special tools, valuables, electronics and structures like pools exceed standard policy limits. Specific add-ons from insurers close these coverage gaps.

Renters insurance usually covers property damage, liability and loss of use related to your rental. Add-on coverages can make protection more comprehensive. Common coverage types include:

State Farm, American Family and Nationwide offer Washington's best and cheapest renters insurance. Research and compare multiple companies and quotes to find your best deal.

Here are expert answers to common Washington renters insurance questions:

To identify the most affordable renters insurance options in Washington, we based our analysis on the following standard profile:

• $50K personal property coverage
• $100K liability coverage
• $1,000 deductible
• Property replacement coverage
• Good credit score

This profile was used to calculate the affordability score, which made up 60% of the total rating. We also considered company size and available add-on coverages (10%), customer satisfaction ratings from industry research (25%) and financial strength (5%) to determine the overall rankings.