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Why Do I Need Renters Insurance?
Two unfortunate incidents that occurred in Seattle recently, have gone on to underscore the paramount importance of renters insurance in Seattle, WA. In the first, an apartment fire resulted in one injured tenant, a lady, who was found lying beneath her 2nd story balcony. Forty four other tenants were also rendered homeless after this fire extensively damaged 18 units of this 3 story apartment building.
In the second incidence, an explosion, which is believed to have been triggered by an accidental gas leak, leveled several buildings in the Greenwood neighborhood of Seattle. Including an apartment building and a multi-family dwelling whose residents had to be evacuated to safety. Should any of these very unfortunate individuals or families had obtained Seattle renters insurance, their plight will be infinitely better.
What Is Renters Insurance?
In essence, this is an insurance policy that operates in much or more similar manner as a homeowners insurance policy. The only major difference been that it is specifically tailored for those individuals who reside in rental homes. To this end, it can significantly assist such people to effectually protect themselves and their valuable belongings. Most particularly in the event of their apartments been subjected to any damage or even in the cases these homes are burglarized.
Doesn’t My Landlord’s Building Insurance Cover My Stuff?
One popular misconception that quite a large number of tenants entertain is that the landlord’s insurance policy will cover their property in case of any loss or damage. However, this for the most part, usually depends on the exact rental lease that a tenant signs prior to moving into a rented apartment. Therefore, you should not make the assumption that your landlord will be held liable for damage triggered by issues like leaking roofs or broken down appliances. This of course can be the case if your rental lease explicitly states so.
However, in most cases than not, landlords normally place a clause, which denies any liability on their part for theft, damage to personal belongings or injuries that guests to your home might sustain. Additionally, the rental lease, you sign might also necessitate you to take up renters insurance in Seattle, WA, especially if the apartment is one of the high end varieties.
As such, this can be an excellent move on your part, which provides you with sufficient coverage in the event your personal property is stolen or damaged for one reason or the other. It will also give your sufficient legroom in the circumstances where you happen to unintentionally cause injuries or property damage to other units in your apartment block. Let us now look at just what Seattle renters insurance usually covers.
What Does Renters Insurance Cover?
Injuries which guests to your home sustain
Accidents can occur at your rented home that can lead to invited guests to your home sustaining serious injuries. Some of the most common can include such individuals slipping, tripping or falling due to some negligence on your part. Objects like paintings or sculptures can also fall on them when least expected. In such occurrences, there is a very high possibility of being held liable for the injuries and medical expenses, should you guest sue you for negligence. And having bought some form of renters insurance policy can enable you to cover such expenses in a convenient manner.
In the event that burglars invade your rental home, your landlord will not be held responsible for any of your stolen valuables. This judgment naturally assumes that he or she was not in any way responsible for the break-in. For instance, there happen to be some states in the US, which require a landlord to put in place “minimum security measures.” Should a theft occur in one of their tenants homes as a result of inadequate security, he or she will have some level of culpability. On the other hand, if this was not the case, the likelihood of recovering your stolen valuables can be pretty slim, if you have not provided yourself with renters insurance.
Should your rental and your personal property be subjected to extensive damage as a result of natural disasters like wildfires, hurricanes or tornadoes, a rental insurance in Seattle, WA will have you covered. In such situations your landlord can take it upon himself or herself the duty of repairing the damages that the apartment sustained. But in most cases than not, the damage to your personal belongings and property will not be covered. Thus, taking the prudent step to obtain this type of insurance policy will allow you to safeguard your personal property whenever such natural disasters strike. Also, earthquake insurance is typically not included in a renters insurance policy. Some insurance companies do include as an optional endorsement for an additional fee. However, since there are several earthquake faults in Seattle, adding earthquake insurance to your renters insurance policy is a prudent course of ac
Unnatural fires that arise from short circuit damage
Fires that flare as a result of electrical faults or even short circuit damage can at times be covered by your landlord, through his landlord insurance policy. However, this is very rare. In most scenarios you will be usually held responsible for the smoke as well as fire damage. Not only to your personal belongings, but those of that occur to the rental property as well. Should you happen to live in a multi-family dwelling, like in the earlier mentioned incident, and the fire begins to spread to other units, you will be held liable for the damages to your neighbors’ property.
Extra living expenses
Most Seattle renters insurance policies are also highly noted for offering coverage for any additional living expenses you may incur after your rental home becomes uninhabitable for one reason or the other. This can be a veritable godsend, particularly if you perhaps do not have any relatives or close friends you can put up with after such disasters.
Personal Liability Coverage
Helps you if you’re held accountable when someone is hurt or something of theirs is damaged. This is usually a settlement to a lawsuit.
How Much Does a Renters Insurance Policy Cost in Seattle?
The exact amount you may be obliged to foot for this kind insurance policy largely depends on the coverage you ultimately settle for. Most people tend to think that it can be very expensive, but this is certainly not always the case. The given rates for renters insurance normally differs in accordance with how much of your property you wish to be covered. The exact deductible amount you opt for and even the state you reside in are also important factors.
Nevertheless, on an average basis, you will be obliged to pay no than a couple of hundred of dollars for a $500,000 liability coverage along with $50,000 property damage. As you can evidently see renters insurance in Seattle, WA is not a luxury, but an important necessity that can offer comprehensive protection, if you live in a rental home.
Which Insurance Companies Offer Renters Insurance in Seattle?
What is the best renters insurance in Seattle?
So, you want to find the best renters insurance in Seattle? To determine which insurance company offers the best renters insurance it is necessary to define what “best” means to you. Are you looking for the insurance company with the best price, service, and coverage? These attributes are the typically on the top of everyone’s list but you might also be influenced commercials, word of mouth, or reputation. You might also consider how you buy renters insurance, if you buy it through an insurance agent, or direct from the insurance company.
Unfortunately, most people incorrectly believe all insurance is a commodity. In other words, all factors are the same, there is no best renters insurance or top renters insurance company, only thing that really matters is price. Where we can really help you is shopping for you and finding the best price, best service, and best coverage. All you need to do is buy the renters insurance from the company we determine best fits your needs and budget.
Renters Insurance is Available in the Following Seattle Neighborhoods and Zip Codes:
Seattle Neighborhoods: Ballard, Beacon Hill, Belltown, Blue Ridge, Boulevard Park, Broadview, Burien, Capitol Hill, Central Area, Columbia City, Downtown, Eastlake, Fremont, Georgetown, Green Lake, Greenwood, International District, Kenmore, Lake City, Lake Forest Park, Laurelhurst, Madison Park, Madrona, Magnolia, Montlake, Mount Baker, Northgate, Phinney Ridge, Pioneer Square, Queen Anne, Rainier Beach, Rainier Valley, Ravenna, Riverton, Sandpoint, Seward Park, Shoreline, Sodo, South Park, University District, Wallingford, West Seattle, White Center, Windermere
Seattle Zip Codes: 98101, 98102, 98103, 98104, 98105, 98106, 98107, 98108, 98109, 98112, 98115, 98116, 98117, 98118, 98119, 98121, 98122, 98125, 98126, 98133, 98134, 98136, 98144, 98146, 98155, 98177, 98178, 98199
Apartment Buildings in Seattle that Require Renters Insurance for their Tenants
|Building Name||Address||Phone||Residential Targeted Area|
|1715 Apartments||1715 NW 58th St||206-289-0621||Ballard|
|1806 23rd Ave||1806 23rd Ave||866-997-9539||Madison-Miller|
|1812 12th Ave||1812 12th Avenue||855-748-4173||Capitol Hill|
|47+7 Sustainable Living||4558 7th Ave NE||206-429-8123||University District – NW|
|4730 California||4730 California Ave SW||206-632-4730||West Seattle Junction|
|507 Northgate||507 NE Northgate||866-800-1634||Northgate|
|525 at the Enclave||525 NE Northgate Way||206-623-2222||Northgate|
|8727 Phinney Ave N||8727 Phinney Ave N||844-879-0894||Greenwood-Phinney Ridge|
|9th & Pine Apartments||1601 9th Ave||206-623-1122||Denny Triangle|
|Alley 24||224 Pontius Ave. N.||855-982-2752||South Lake Union|
|Altamira Apts||4100 SW Alaska St.||206-937-8439||West Seattle Junction|
|Alturra aPodments||306 Summit Ave E||206-801-3570||Capitol Hill|
|Angeline||4801 Rainier Ave S.||206-452-4182||Columbia City|
|Aperture on Fifth||500 John St||844-920-2838||Uptown|
|Array||14027 Lake City Way NE||877-824-1118||Lake City|
|Aura West||4435 35th Ave SW||206-707-9100||West Seattle Junction|
|Avalon Ballard||1400 NW Market St.||866-960-6255||Ballard|
|Avalon Queen Anne||300 3rd Ave. W.||866-856-2705||Uptown|
|Ballard on the Park||2233 NW 58th St.||206-204-5400||Ballard|
|Ballard Public Lofts||6450 24th Ave. NW||206-467-1483||Ballard|
|Barclay Broadway||412 Broadway||206-588-8600||First Hill|
|BASE Capitol Hill||1728 12th Ave||425-773-0559||Capitol Hill|
|Beryl||1200 E Pike St||206-320-1200||Pike/Pine|
|Blake||5020 California Ave SW||206-935-3435||West Seattle Junction|
|Borealis||109 Dexter Ave. N.||206-441-1414||Denny Triangle|
|Bowman Stoneway||3801 Stone Way N||206-466-1785||Wallingford|
|Boxcar||975 John St||206-467-1111||South Lake Union|
|Bridges at 11th||4529 11th Ave NE||206-569-5416||University District – NW|
|Broadstone Koi||1139 NW Market Street||844-284-7654||Ballard|
|Broadstone Sky||4745 40th Ave SW||844-367-3017||West Seattle Junction|
|Broadway Building||1620 Broadway Ave. E.||844-205-3116||Capitol Hill|
|Cal Park Studios||1806 12th Avenue||855-748-4173||Capitol Hill|
|Central, The||2203 E Union St||206-328-7075||23rd & Union-Jackson|
|Centro aPodments||1304 E John St||206-801-3570||Capitol Hill|
|Century, The||101 Taylor Ave N.||206-317-4214||Uptown|
|Citizen, The||1220 E Madison||206-621-8888||Capitol Hill|
|CityLine||4740 32nd Ave S||855-342-4174||Columbia City|
|Commons at Ballard||5621 22nd Ave. NW||206-963-5499||Ballard|
|Cortena||227 Boyston Ave E||206-801-3570||Capitol Hill|
|Craft Apartments||1315 E Jefferson||206-735-0709||Capitol Hill|
|Cubix||918 N 103rd St||206-782-9299||Aurora Licton Springs|
|Cue Apartments||721 E Pine St||800-283-2987||Pike/Pine|
|Decibel||301 12th Ave||206-624-1133||12th Avenue|
|Denning||2721 17th Ave S||206-653-4088||North Beacon Hill|
|Denny 18||1823 18th Ave||206-769-5223||12th Avenue|
|East Howe Steps||1823 Eastlake Ave E.||206-485-5305||Eastlake|
|East John Apartments||1113 E John St.||877-204-6402||Capitol Hill|
|Eastlake Flats||2820 Eastlake Ave E||206-735-0256||Eastlake|
|Eleanor||800 NE 67th St.||855-261-1358||Roosevelt|
|Element 42||2622 California Ave SW||206-935-3810||Admiral|
|Emerald 10||315 10th Ave||425-765-7611||12th Avenue|
|Equinox Apts||1520 Eastlake||877-815-3051||Eastlake|
|Evolve||954 E Union St||206-328-4006||Pike/Pine|
|Expo||100 Republican St.||866-271-0726||Uptown|
|Fauntleroy Lofts||5949 California Ave SW||206-429-5023||Morgan Junction|
|Footprint 11th||422 11th Ave E||855-816-6234||Capitol Hill|
|Footprint Delridge||4546 Delridge Way SW||855-412-3708||Delridge/Westwood Highland Pk.|
|Footprint-Avalon Studios||3266 SW Avalon Way||855-751-8538||West Seattle Junction|
|Franklin Studios||2371 Franklin Ave E||855-205-6598||Eastlake|
|Greenhouse||3701 S Hudson St.||855-332-6286||Columbia City|
|Greenwood||143 NW 85th Street||855-872-1938||Greenwood-Phinney Ridge|
|H2O Apts||201 West Harrison||206-282-0400||Uptown|
|Helene Apartments||414 NE Ravenna Blvd.||206-715-7561||Green Lake|
|Holgate Apts||1814 12th Avenue S||206-769-5223||North Beacon Hill|
|Icon Apartments||400 S Jackson St.||206-232-2037||Chinatown/ID|
|Identity (Building “D”)||4119 12th Ave NE||206-259-5926||University District – NW|
|Identity (Building “I”)||4106 12th Ave||206-259-5926||University District – NW|
|Ilaria||1305 E Mercer||206-801-3570||Capitol Hill|
|Janus||101 NW 85th St.||206-445-6905||Greenwood-Phinney Ridge|
|Joseph Arnold Lofts||2708 Elliot Ave||206-639-9816||Belltown|
|Joule Apts||523 Broadway Ave E||866-543-3903||Capitol Hill|
|Junction 47||4700 California Ave SW||844-611-1787||West Seattle Junction|
|Junction Flats||4433 42nd Avenue SW||206-420-8222||West Seattle Junction|
|Kavela||6521 Roosevelt Way NE||206-522-4600||Roosevelt|
|Keelson||1537 NW 56th St.||206-604-4356||Ballard|
|Kulle Urban Living||1815 Bellevue Ave.||206-403-1467||Capitol Hill|
|Larson Building||3206 Harvard Ave E.||206-486-5861||Capitol Hill/Eastlake|
|Lexicon||120 Harvard Ave E||206-325-7000||Capitol Hill|
|Lightbox||4545 8th Ave NE||866-878-0546||University District – NW|
|Lime Studios||3639 Linden Ave N.||206-420-1577||Fremont|
|Link Apts, The||4550 38th Ave SW||206-937-5465||West Seattle Junction|
|LIV at East John||1113 E John St||877-204-6402||Capitol Hill|
|Local 418 Apartments||418 Bellevue Ave E||206-334-6763||Capitol Hill|
|Local 422 Apartments||422 Summit Ave E||206-334-6763||Capitol Hill|
|Lofts at the Junction||4535 44th Avenue SW||206-317-7549||West Seattle Junction|
|Lyric||230 Broadway Ave E||800-648-3912||Capitol Hill|
|Mad Flats||1523 East Madison Street||844-551-4961||Capitol Hill|
|Marq West Seattle||3261 SW Avalon Way||844-336-0057||West Seattle Junction|
|Minnie Flats||101 Denny Way||206-900-8163||Belltown|
|Modera Capitol Hill||1427 1th Ave.||844-896-1071||Capitol Hill|
|Modera South Lake Union||434 Dexter||855-289-4475||South Lake Union|
|Mural Apts, The||4727 42nd Ave SW||206-935-0676||West Seattle Junction|
|Muriels Landing||5240 University Way NE||206-517-4021||University District – NW|
|Noble, The||4301 Stone Way||206-577-3450||Wallingford|
|Nova Apts||4600 36th Ave SW||844-439-8491||West Seattle Junction|
|OneOne6||116 13th Ave E||425-773-0559||Capitol Hill|
|Oregon 42||4502 42nd Ave SW||877-268-3086||West Seattle Junction|
|Othello Station South||4219 S Othello St||206-782-8466||MLK @ Holly|
|Phinney Ave Studios||8731 Phinney Ave N||844-879-0894||Greenwood-Phinney Ridge|
|Pine + Minor||1519 Minor Ave||855-982-9984||Pike/Pine|
|Positano||3640 Woodland Park Ave N||206-801-3570||Fremont|
|Pratt Park||1800 S Jackson St||877-317-2678||23rd & Union-Jackson|
|Prexy||4737 Roosevelt Way NE||206-566-3071||University District|
|Publix||504 Fifth Ave S.||206-467-1581||International District|
|Ramiro’s Place||200 10th Ave E||425-773-0559||Capitol Hill|
|Ray Apartments||3636 Stone Way N||206-632-9000||Fremont|
|Ray East||3651 Interlake Ave N||206-632-9000||Fremont|
|REO Flats||1515 14th Ave||844-746-9591||Pike/Pine|
|Reverb||1023 E Alder St||206-624-1133||12th Avenue|
|Roosevelt Townhomes||6313 15th Ave NE||206-527-6157||Roosevelt|
|Rooster||910 NE 65th St||206-681-9294||Roosevelt|
|Rubix||515 Harvard Ave E||206-467-4846||Capitol Hill|
|Ruth Court||123 18th Ave E.||844-494-2482||Capitol Hill|
|Session Apartments||1717 22nd Ave.||206-323-9113||Capitol Hill|
|Slate Apartments||3040 17th Ave W||206-397-3341||Dravus|
|Smith and Burns||1321 N 45th St.||206-829-5018||Greenlake/ Wallingford|
|Solana aPodments||310 17th Ave S||206-801-3570||23rd & Union-Jackson|
|Solo Lofts||2018 NW 57 St.||206-972-7107||Ballard|
|Sophie Studios, The||4743 21st Ave NE||206-403-1467||University District – NW|
|Springline||3220 California Ave SW||206-687-7564||Admiral|
|Spruce||3922 SW Alaska St||855-997-6603||West Seattle Junction|
|Square One||1012 NE 63rd St||844-592-1888||Roosevelt|
|Squire Park Plaza||1700 S Jackson Street||206-204-8746||23rd & Union-Jackson|
|Stack House||420 Pontius Ave N||844-338-4905||South Lake Union|
|Stencil Apartments||2407 E Union St.||206-328-7074||23rd & Union-Jackson|
|Strada aPodments||4516 7th Ave NE||206-801-3570||University District – NW|
|Stream Belmont||500 Belmont Ave E||206-325-3663||Capitol Hill|
|Stream Fifteen||605 15th Ave E||206-999-2853||Capitol Hill|
|708 Uptown||708 6th Ave N||844-244-2901||Uptown|
|Studio 7 Apartments||4029 7th Ave SW||855-224-3538||University District- NW|
|Terrazza aPodments||413 11th Ave||206-801-3570||12th Avenue|
|Thornton Place||308 NE Thornton Place||206-523-1111||Northgate|
|Three20||320 East Pine St||844-584-4084||Pike/Pine|
|Trovere aPodments||4309 7th Ave NE||206-801-3570||University District – NW|
|Velo Apts||3653 Woodland Park Ave N||206-651-3996||Fremont|
|Venetia||4324 8th Ave NE||206-801-3570||University District – NW|
|Vibe Fremont||3601 Greenwood Ave N||206-812-1109||Fremont|
|Viridian Apartments||6917 California Ave SW||888-726-7892||Morgan Junction|
|Wallingford Studios||4516 Meridian Ave N||877-257-7208||Wallingford|
|Wally Apts||4111 Stone Way N||206-623-1275||Wallingford|
|Walton Lofts||2521 Western Ave||206-962-3573||Belltown|
|Whittaker (Phase I)||4755 Fauntleroy Way SW||206-866-2917||West Seattle Junction|
|Yardhouse||1406 E Republican St||206-623-5504||Capitol Hill|
|Youngstown Flats||4040 26th Ave SW||855-815-3807||Delridge/West wood Highland Park|
|Zephyr||1650 E. Olive Way||206-322-9010||Capitol Hill|
How To Get the Cheapest Renters Insurance in Seattle?
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