Renters Insurance

Protection for Your Personal Belongings as a Renter

If you rent your place of residence in Washington, you don’t need the structure coverage that a conventional homeowner policy provides. But you still want protection for your personal property in the event of a fire or other unexpected disaster. Renters insurance is the perfect solution.

Renters insurance covers your belongings in case the worst happens, like fire, theft, vandalism, and many other types of loss or damage. Covered items include:

Furniture
Home decor
Electronics
Large and small appliances you own
Clothing
Sporting gear
Kids’ items
Personal property

You won’t be stuck paying to replace these items out of your own pocket if you have renters insurance. When you buy a policy, you’ll have the chance to choose between actual cash value coverage (what your items are worth with depreciation due to use) or replacement cost coverage (what it costs to buy those items new now).

You can add extra coverage for high-value items, such as jewelry, art, antiques, and collectibles. Most policies also cover accidental damage to your landlord’s property.

Liability Coverage and More

Most renters insurance also comes with perks similar to those you get with a homeowner policy. You will receive liability coverage in case someone is injured in your rental home or apartment. And you may be eligible for alternative living expenses if you have to live elsewhere while your rental unit is being repaired or rebuilt.

Like with a homeowner policy, you can add extra coverage for peace of mind:

Increased liability protection with a personal umbrella policy
Earthquake insurance
Private or federal flood insurance, depending on what you qualify for

Our Independent Agents Can Help with Your Coverage Needs

At Spangler Insurance, we are independent agents who still value personalized service and insurance policies tailored to each of our Washington customers. Plus, we have a larger selection of renters insurance solutions for you than you’ll find with those big but impersonal insurance companies.

To experience the difference for yourself, give us a call at 206-329-7447 to set up your renters insurance policy today. Or get in touch online to send us your questions or start a quote.