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The Cheapest Washington Renters Insurance Companies 2021
The average cost of renters insurance in Washington is $163 annually, according to the Insurance Information Institute. When considering coverage, there are several things you want to keep in mind. The first is your personal property. Renters insurance policies provide protection (to a specific amount) for your items if they incur damage resulting from theft, fire or water damage. With this in mind, it’s ideal to ballpark how much your items are worth. If you have high-end collectibles, artwork or designer furniture, you’ll want more coverage for these items.
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Another key consideration is the insurance carrier. Some questions to ponder when examining each is:
What’s the provider’s reputation for handling customer service issues?
Travelers: We chose Travelers as out of the best Washington renters insurance options because it is among the least expensive options available. It also has an excellent reputation, as it earned an A+ rating with the Better Business Bureau, indicating the company’s ability to resolve customer claims.
USAA: Last, but certainly not least, is USAA. Though eligibility is only open for military members, veterans and their families, if you qualify, it’s by far the best option to consider. It earned the highest rating from J.D. Power for customer satisfaction, and the rates are among the most affordable.
To find the best providers, we examined a wide variety of factors including:
Customer satisfaction (J.D. Power ratings through a survey)
Financial strength (AM Best rating)
Overall customer service (Better Business Bureau rating)
Using these metrics, here’s how each of the top four providers compares to each other:
J.D. Power score
AM Best rating
2 out of 5
5 out of 5
2 out of 5
5 out of 5
When buying renters insurance, not all policies will be the best fit for your situation. With this in mind, here are some of the best options depending on your needs:
Allstate has several discounts, including a multi-policy discount, a safe home discount of up to 15% if you have home security devices, a 5% discount for automatic payments, a discount of up to 25% for people 55 and older and a discount of up to 20% for being claims free.
How much renters insurance you need depends on the value of your items and your landlord requirements (if any.) If you have more expensive items in your apartment, you’ll want a higher limit to account for the value of them in the off chance they’re damaged.
It’s hard to beat the mix of value and excellent customer service State Farm delivers. If you’re affiliated with the military, USAA is going to be the best option to consider.
Along with personal property, renters insurance has a personal liability component. With this, if someone has an injury in your home, your carrier provides financial assistance for their medical bills to a specified amount. Also, many renters insurance companies also provide loss-of-use coverage. This gives you financial assistance if you have to leave your apartment due to a covered event and you need temporary living expenses covered.
The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar. For every review, our editorial team:
Identifies five measurable aspects to compare across each brand
Determines the rating criteria for each aspect score
Averages the five aspect scores to produce a single SimpleScore™
Here’s a breakdown of the five aspect scores and their rating criteria for our renters insurance reviews.
Why do some brands have different SimpleScores on different pages?
To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.
However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.
We awarded higher scores to insurance providers with more discounts available on their website.
We gave providers with more renter insurance coverage options a higher score because they’re more likely to have a policy that best meets your needs.
We awarded higher scores to renters insurance providers with the most channels for customer support.
We leveraged the J.D. Power Home Insurance Satisfaction Study℠ to see how customers rated their experience with each insurance provider. (If a provider wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)
We awarded higher scores to insurance providers that have more online and mobile features to easily manage your policy and claims.
Sean Jackson is a creative copywriter living in Florida. He’s had work published with Realtor.com, theScore, ESPN and the San Francisco Chronicle. In his free time, Sean likes to play drums, fail miserably at improv and spend time at the beach.