Best renters insurance in Seattle according to customers


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UPDATED: 2021-03-01T20:16:54.158Z
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Seattle, Washington skyline

If you're renting an apartment in Seattle, you'll want to make sure you find the best Seattle cheap renters insurance company to protect your belongings. While your landlord likely has insurance that protects the structure of the building you're living in, renters need to purchase renters insurance to cover their belongings if they need to be repaired or replaced. Seattle renters can get coverage for many things ranging from theft to a fire in their apartment. Your tenants policy can cover your possessions from damage from floods, windstorms, earthquake damage, and other natural disasters. It's really not worth the hassle you'll face without apartment insurance.

Many renters insurance policies also include liability coverage, which can protect you from things like someone getting injured in your apartment or your dog biting someone.

To help make your search for coverage in Seattle easier, you can browse the 10 best renters insurance companies in Washington state along with the cost in Seattle from eight of those top 10 companies.

On this page you'll find:

Who are the best renters insurance companies in Seattle?

In the table below, you can find the top 10 renters insurance companies in Seattle based on reviews from policyholders submitted to Clearsurance as of July 2019. Policyholders review and rate the insurance companies based on a number of factors, including the customer's overall rating of the company, the insurer's customer service, as well as each policyholder's likelihood to renew and recommend the company to a friend. To qualify for this list, companies needed at least 25 reviews and must sell policies in Washington state.

Ranking Best Seattle renters insurance # of reviews Company rating
1 USAA 399 4.77
2 Geico 732 4.22
3 State Farm 1,363 4.22
4 Nationwide 164 4.13
5 Allstate 816 4.12
6 Liberty Mutual 221 4.09
7 Farmers Insurance Group 203 4.08
8 Travelers 98 4.01
9 American Family 198 3.88
10 Assurant 94 3.80

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1. USAA

USAA is an insurance company only available to active and former military members and their families. It's consistently a consumer favorite, holding the No. 1 spot for the best car insurance, best homeowners insurance and best renters insurance company for 2019. Unlike many other companies, flood and earthquake coverage come standard on all USAA policies. If you're part of a military family, USAA is a favored option for Seattle coverage according to consumers.

2. Geico Insurance Agency

Geico Insurance Agency is a unique company because it offers renters and homeowners through other licenced insurance companies. You can receive a quote from Geico Insurance Agency online, but make a note of which company your quote is for. If you get coverage through Geico, you can get a discount by bundling with your car insurance and also for having home safety and security features.

3. State Farm

State Farm is the most reviewed renters company on Clearsurance. Although it's the third highest-rated renters insurance company in Seattle, it holds the No. 2 spot for best renters insurance companies for 2019. State Farm is a good option to consider for people renting an apartment in Seattle.

4. Nationwide

Nationwide can help Seattle residents protect their personal belongings while renting an apartment in the city. It earned a score of 4.13 out of 5 from renters. Nationwide offers basic coverage for renters with the ability to add additional coverage, such as water backup or earthquake coverage.

5. Allstate

Another reputable option in Seattle is Allstate. The company offers many ways to save on a policy, including a discount if you're claim-free when you switch to Allstate or bundle your renters insurance with Allstate car insurance. In addition to being a highly rated company in Washington state, Allstate is also highly rated nationally and earned the No. 4 spot on the best renters companies for 2019.

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6. Liberty Mutual

Holding the No. 6 spot for top-rated renters insurer in Seattle is Liberty Mutual with a score of 4.09 out of 5. Liberty Mutual allows customers to customize their coverages with discounts like a discount for bundling policies and for being free from claims.

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7. Farmers Insurance Group

Seattle renters can get coverages from Farmers. This company offers customizable policies to ensure you receive the coverages you want and need while renting an apartment in Seattle. Additionally, Farmers offers many discounts to help you save money on a policy.

8. Travelers

Travelers is well rated by renters, making it a good option for renters insurance coverages in Seattle to consider getting a quote from. If you bundle your renters insurance with your car insurance from Travelers, you could save up to 5 percent on your car insurance.

9. American Family

American Family offers renters insurance policies to protect your personal items, and it also offers many optional add-ons. Those include identity theft protection, travel protection, pet insurance and home-based business protection. As a highly rated choice by apartment renters, American Family is a good option for people renting in Seattle.

10. Assurant

Rounding out the list of the top 10 renters insurance companies in Seattle is Assurant. Assurant has a renters insurance score of 3.80 out of 5 from consumers. Many of Geico's renters insurance policies are actually underwritten by Assurant.

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How much does renters insurance in Seattle cost?

While the cost of renters insurance in Seattle varies based on you, your apartment and the type of coverages you choose, the company you select also matters when it comes to price. In the table below, you can see monthly renters insurance rates for an apartment in Seattle. Monthly costs were retrieved from seven of the top-rated renters insurance companies in the city. The cheapest renters insurance in Seattle, out of these companies, is State Farm.

Seattle renters insurance company Monthly cost with a $500 deductible
State Farm Insurance $10.42
Farmers Insurance Group $11.90
Allstate Insurance $12.00
American Family $14.00
Nationwide $14.05
Assurant $15.50
Travelers Companies, Inc. $16.00
Geico Insurance Company* $18.25

To retrieve these renters insurance quotes, we used a profile of a 25-year-old single male renting an apartment in Seattle with no roommates or pets with a policy beginning in April 2019. The policies include $20,000 in personal property coverages ($30,000 for Travelers because that is the minimum required by the company), $100,000 in personal liability and $1,000 in medical payments to others. The policies have a $500 deductible. Your rates may vary depending on your characteristics and coverages. We were unable to retrieve quotes from USAA and Liberty Mutual.

*Geico sells renters insurance through other licensed insurance companies. The Geico quote listed is for coverage from Assurant Group.

How much does rent cost in Seattle?

Seattle is a desirable city to live in with a large tech industry, iconic landmarks and beautiful scenery despite its rainy climate. With more than 700,000 residents, Seattle is the largest city in the Pacific Northwest. On average, rent in Seattle for an apartment costs $1,965 per month.

Rent in Seattle can vary based on the location within the city that the apartment is located. Some Seattle neighborhoods are more expensive to rent an apartment in than others. For example, the neighborhood of Belltown costs an average of $2,528, which is much higher than the average cost of rent in the city. But rent in Georgetown costs an average of $1,375 per month, which is below the citywide average.

Renters insurance is a valuable coverage to add to your monthly expenses as a renter in Seattle. You can protect all of your personal belongings for as little as $11 a month. For the most up to date ranking of the best renters insurance companies in the state, visit our best Washington renters insurance page.

Recap: What is the best renters insurance in Seattle?

  • USAA: Best renters insurance for military members in Seattle
  • Geico: Best renters insurance for non-military members in Seattle
  • State Farm: Best renters insurance rates in Seattle

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Image source: f11photo/shutterstock.com

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