There are nearly one million renters in the state of Washington. If you are among them, you may want to strongly consider covering your personal property with a suitable renters insurance policy. Whether you lease an apartment in downtown Seattle for an easy commute to work, an off-campus house in the college town of Bellingham, or an oceanside villa in Langley, you can benefit from the protection that a renters insurance policy can afford you. The first step toward securing a great policy is comparing renters insurance quotes, which are surprisingly low in Washington.
Many renters are under the misconception that renters insurance is expensive or that it is unnecessary. However, this type of insurance coverage is extremely affordable and it has the potential to save you thousands of dollars in the event that your personal property is damaged or stolen.
Consider how you would fare if all of your belongings were destroyed in a major disaster such as a fire. Your landlord is not responsible for covering your personal belongings, so you would face a total loss without the protection afforded by renters insurance.
Although you may not feel that your property is valuable enough to bother insuring, take a moment to inventory and add up the value of everything you own. This includes your clothing, electronics, furniture, cookware and décor. You may be surprised by how much you actually do own. Renters insurance can provide you with a way to replace all those items in the event that you suffer a devastating loss.
The overall crime rate in Washington is higher than the national average, and this can have an effect on your insurance rates. Renters in cities like Spokane and Yakima, where burglary rates are higher than in most other parts of the state, should expect to receive slightly higher rates when requesting quotes. On the other hand, renters in areas like Bellevue and Kahlotus, where crime rates are low, can expect lower rates. However, because this type of insurance is quite inexpensive to begin with, the difference between the rates quoted for these different areas will not be substantial.
Statistically, homes that are occupied by renters are more likely to be burglarized than owner-occupied homes. You can take precautions by always locking your doors when you are away from home and by keeping your entry ways well-lit and clear of debris. If your home is burglarized, you should take the following steps:
Although being the victim of a burglary can be extremely upsetting, it helps to know that you have an insurance company behind you to keep your financial losses at a minimum.
When you shop around for renters insurance quotes, you might be surprised by just how affordable this coverage is. In fact, Washington is among the least expensive states in the country in which to purchase a renters insurance policy. In 2008, the average premium for renters insurance in this state was just $172 per year. For less than $15 per month, many renters in this state can enjoy the security that goes along with a solid insurance policy. Some factors that may influence your policy costs include:
Even an overpriced renters insurance policy in Washington is likely to be highly affordable, but there is no reason why you should pay more than you need to for this important coverage. Comparison shopping helps you find a suitable policy at a competitive rate. The independent insurance agents in the Trusted Choice® network can help by obtaining a number of policies and rates for you. These agents can also help you assess how much coverage is enough to adequately cover your belongings.
Contact one of the many Trusted Choice agents in your Washington neighborhood.