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| Get quotes from multiple Seattle Area apartment insurance companies. Some companies sell through agents or directly to you. Many agents can offer you competitive rates from several companies for renters insurance. |
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| Renters insurance (or tenant insurance) can provide you with coverage for everything you own in your new apartment, and the rate is often very cheap. Seattle Area apartment insurance covers your possessions against theft, fire, and other damage, and even covers your guests if they have an accident. Your lease may require you to have a certain level of renters insurance coverage if you are renting an apartment. |
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| Seattle Area apartment insurance policies have additional benefits. For example, a waterbed liability provision is standard in most renters and condo owners policies. If your waterbed bursts and the water ends up in the apartment below yours, your renters insurance would cover the damage. |
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| News reports of apartment fires often include tragic stories of renters who lost everything because they were uninsured. If you rent an apartment, duplex, house, or townhouse, your landlord´s Seattle Area apartment insurance policy covers losses to the building, but it does not cover your personal property. To protect your belongings, you need a separate renters insurance policy. Renters insurance covers your personal property and household items in the event of a fire, theft, or other loss. It also offers you financial protection if a visitor is injured in your home. |
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| Seattle Area apartment insurance isn't expensive. A renters insurance policy with a $250 deductible typically costs about $250 a year for $30,000 worth of contents coverage and $300,000 in personal-liability coverage -- which protects you in case you're sued for an injury that occurs in your home. |
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| In most cases, a landlord's Seattle Area apartment insurance covers only structural damage to the building itself—and many landlord policies don't even go that far if the damage is caused by a tenant. If you leave the tub running and it turns your floor into cardboard and dribbles downstairs, damaging your neighbor's couch, you may be liable for the whole drippy mess. If your building went up in flames, your landlord's coverage would include repairs, but only to the building, not to the possessions of tenants. Renters insurance will cover your possessions in case of a loss. |
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| All too often, renters don't understand that they're responsible if an accident, injury or damages occur. Many renters don't know that renter's insurance exist. Others simply just never get around to buying Seattle Area apartment insurance or opt to take their chances that mishaps will swerve around them. |
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