Best and Cheapest Renters Insurance in Washington for 2022

The average renters insurance premium in Washington is around $163 which is just about $11 cheaper than the national average. The costs varies a lot from the cost of your personal property, the deductible you choose, and other factors.

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Renters insurance is probably the most affordable insurance among your daily life but can protect you from quite a lot of risks. Washington tenants have lower than the national average. The below chart is a comparison with four states with close premiums and the national average.

A bar chart comparing Renters insurance in Washington

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Why do YOU need Renters Insurance?

Although renters insurance is not required by law in Washington, apartment complexes and landlords often require tenants to purchase Renters Insurance before signing the lease agreement. Because landlord's own insurance only covers the damage to the actual dwelling, your renters insurance will protect your belongings inside the apartment in case of fire, theft or damage.

What factors impact the Renters Insurance premium?

  • The amount of coverage you chose
    • The value of your personal property, and whether your policy covers ACV or replacement costs
    • The amount of your deductible
    • The amount of liability coverage you choose
  • Where the property you’re renting is located
    Are the crime rates particularly high in your neighborhood? Rates may be higher as a result. Is the area prone to higher risks for wind or hurricane damage? These factors matter as well.
  • Discounts
    You may be eligible for discounts if you have purchased other insurance policies with the provider, or bundle your insurance. There are also discounts available for renters with added security features- such as deadbolt locks, security systems, smoke detectors, etc.

What are the Washington renters insurance discounts?

Most carriers provide various discounts for renters insurance as well just like for auto insurance. Here are some most common discounts.

Discount Description
Multi-Policy If you purchase both renters and auto insurance from the same company, you may qualify a discount for the auto insurance.
Secure Home If you have extinguishers, burglar alarms devices or you are in a gated community, you may qualify for the secured home discount. This averages about 5% from quite a few carriers.
Claim-free Just like auto insurance is lower for accident-free drivers, renters insurance is also cheaper for claim free tenants. If you have never reported any claims before, you will qualify for the claim-free discounts from quite a few carriers.
Age Usually, for renters insurance, older people pay less than younger people for a similar property. So, if you’re a college student and trying to find a renters policy for your apartment near school, you probably will pay more.
Good Credit A customer with a credit score higher than 700 can often get a better rate than those who don’t.
Pay-in-full If the carrier supports both monthly and yearly payment, usually paying-in-full will give you a discount. In other words, if you choose to pay monthly, you should pay attention to the extra fee charged by your carrier.
Paperless A few carriers even provide paperless discounts. But more and more new insurance carriers do not offer it probably because the overall cost has already been saved.

What are the risks to consider in Washington?

Unfortunately, most renter’s insurance policies do not cover damages to your personal property caused by a flood or an earthquake. Washington tenants do face the risks of natural hazards such as fire, flood, and mud or landslide . Therefore, it is also a good idea to check with your insurance agent and learn more about what policies are available that cover these specific disasters.

risk in Washington - Fire
risk in Washington - Flood
risk in Washington - Mud or Landslide
Mud or Landslide

Last but not least, thanks to the increased risk of the exposure of personal information on the Internet in today’s digital world, it is also important to check if your renter’s insurance provides identity theft protection.

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Renters Insurance Rates for Cities in Washington

We compiled data about Renters Insurance rates for every city in Washington. A word of caution, as you explore the list below, there is no doubt you will find a wide price range.


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Our articles are intended for informational purposes and should not be considered legal or financial advice. Our articles are not written or reviewed by insurance agents. Consult your policies with your agent or a professional for details regarding terms, conditions, coverage, exclusions, products, services, and programs.

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