Your Landlord’s Policy Doesn’t Cover Your Stuff
Your landlord’s insurance covers the building — not your stuff. If a fire, theft, or water damage wipes out your electronics, furniture, or clothing, you’re on your own without a renters policy. The good news: renters insurance is one of the most affordable policies you can buy.
Quick Fact
Only about 37% of renters in the US carry renters insurance — yet the average renter owns roughly $30,000 in personal belongings. A policy typically costs less than $15/month.
What Does Renters Insurance Cover?
- Personal property — replaces belongings damaged or stolen, whether at home or on the go
- Liability — protects you if someone is injured in your rental or you accidentally damage someone else’s property
- Medical payments — covers a visitor’s medical bills if they’re hurt in your home
- Loss of use — helps pay for a hotel or temporary housing if your rental becomes uninhabitable
Who Needs Renters Insurance?
Anyone renting an apartment, house, or condo. If you have a phone, laptop, furniture, or clothes worth replacing — renters insurance is worth having. Many landlords now require it.
Get a Free Quote
Renters insurance is often less than you’d expect. Call (206) 402-6793 or fill out the form and we’ll find you the best rate from our carrier network.
Frequently Asked Questions
Is renters insurance required in Washington?
Washington law does not require renters insurance, but many landlords and property managers make it a condition of the lease. Even when it is optional, it is one of the most affordable ways to protect your belongings and shield yourself from liability.
What does renters insurance cover?
Renters insurance covers your personal property — furniture, electronics, clothing — against losses like theft, fire, and certain water damage, plus personal liability if someone is injured in your unit and additional living expenses if you are temporarily displaced. It does not cover the building itself; that is the landlord’s policy.
How much does renters insurance cost?
Renters insurance is usually among the most affordable policies you can buy, and bundling it with your auto insurance often lowers your overall cost. We will put together a free quote so you can see exactly what it runs for your situation.
What is an independent insurance agent?
An independent insurance agent works with multiple insurance carriers — not just one. That means we can shop the market on your behalf and find the coverage that best fits your needs and budget, rather than being limited to a single company’s products.
How much does it cost to get a quote?
Nothing — quotes are always free and there is no obligation. Because SafeInsure is an independent agency, we shop your coverage across multiple top-rated carriers and bring you the options that fit your needs and budget. You can request a free quote online or call us at (206) 402-6793.
Do you speak Vietnamese?
Yes. SafeInsure is a woman-owned agency that serves the Seattle and Washington community in both English and Vietnamese, so you can review your coverage and ask questions in the language you are most comfortable with.