Renters Insurance in Washington State: Simple, Affordable Protection
Renters Insurance Made for Washington & Oregon Renters
If you rent an apartment, house, or condo, your landlord’s insurance does not protect your belongings or personal liability. Phillipps Insurance helps renters across Washington and Oregon get affordable coverage that protects what they own and keeps them financially secure if something goes wrong. Whether you’re renting in
Olympia,
Longview,
Kelso,
Salem, or
Corvallis, we make it easy to get the coverage your landlord may require—and the protection you actually need.
What Does Renters Insurance Cover?
Renters insurance is designed to protect you, not the building itself. A standard renters policy typically includes:
- Personal Property Coverage
Covers your belongings like furniture, clothes, electronics, and bikes if they’re stolen or damaged by fire, smoke, or certain water losses. - Liability Coverage
Helps pay for injuries or property damage you’re legally responsible for—like a guest slipping in your apartment or water damage affecting a neighbor. - Additional Living Expenses
Covers temporary housing and essentials if your rental becomes unlivable due to a covered loss.
This protection applies whether you live in a small apartment or a rented single-family home.
How Much Does Renters Insurance Cost in Washington?
One of the biggest surprises for renters is how affordable this coverage is.
Most renters insurance policies in Washington cost around $10–$15 per month, depending on your belongings and location.
That’s often less than the cost of a couple of coffees—and it can save you thousands if your belongings are stolen or damaged. Phillipps Insurance compares multiple carriers to help keep your premium low without cutting corners on coverage.
Landlord Requirements and Fast Coverage
Many landlords in Washington and Oregon now require renters insurance as part of the lease. If you need proof of coverage quickly, we can help you get a policy in place fast—often the same day.
We’ll explain exactly what your policy covers, help you meet your lease requirement, and make sure you’re protected beyond just checking a box.
Optional Coverage for Extra Peace of Mind
If you own higher-value items or want extra protection, renters insurance can be customized with add-ons like:
- Scheduled coverage for jewelry, electronics, or collectibles
- Identity theft protection
- Increased liability limits for added security
As your life changes—like when you eventually buy a home—we can seamlessly help you transition into a homeowners policy.
Frequently Asked Questions About Renters Insurance
Why do I need renters insurance if I rent in WA?
Your landlord’s policy only covers the building—not your belongings or liability. Renters insurance protects your personal property and finances.
Does renters insurance cover my roommate too?
No. Each renter typically needs their own policy unless you’re listed together on the same lease and policy.
What isn’t covered by renters insurance?
The building itself, normal wear and tear, and certain disasters like floods or earthquakes (unless added separately).
How do I file a renters insurance claim?
You can contact your insurance carrier directly, and our team will guide you through the process if you need help.
Can I save money by bundling renters and auto insurance?
Yes. Bundling renters and auto insurance is one of the easiest ways to lower your overall insurance costs.