Renters Insurance Quotes in Washington

If you rent an apartment, condo or townhome (or a tent) in Washington, you need the Fonk’s cheap renters insurance. How would you go hiking on Mount Rainier if you lost your hiking boots in a fire? By golly, someone could break in and steal your flannels! You may not realize just how much flannels are going for these days!

But all kidding aside, your belongings are probably worth thousands of dollars. Could you afford to replace your property if it were stolen during a break-in or damaged during a fire?

Think about it – all your electronics, computers, jewelry, clothes, and furniture. Maybe something even more valuable like an engagement ring, art collection or musical instrument. You probably wouldn’t be able to replace everything out of pocket and that’s where Vern Fonk renters insurance comes in.

For less than the price (or overprice) of a cup of famous Seattle coffee every day, you can get protection.

You don’t own any of the building or the substances that make up its structure.  But just about everything else is on you. Let’s get a quick idea of what renters insurance covers and how it could save you significant sums of money with a few brief scenarios:

1. Someone in the apartment above you leaves a pan simmering on a stove and falls asleep. The fire is minor, but smoke pours into your unit from the ducts overhead. Your landlord might pay for odor removal and to repaint your walls, but not for the computer that’s damaged and bed linens and curtains that must be tossed.
2. A burglar breaks into your duplex while you’re at work and steals your antique jewelry. Your landlord will replace the broken door and install better locks, but won’t pay for your personal loss.
3. An expert rock thrower nails your laptop while chunking a rock through your rented condo window. Your landlord replaces the window glass at no cost to you, but not the pricey laptop.
4. Your landlord’s furnace dies during the coldest weekend of the year. By the time you get home, your rented house feels like a skating rink and the pipes burst in the cold. You’ll need lodgings for a few days while the landlord sorts it out.

The point is, you and your family potentially have a lot to lose. Affordable renters insurance for Washington, Idaho and Oregon residents will cover the cost of items damaged, destroyed, or lost to theft. You’re covered for most natural disasters and any deliberate or accidental human-caused actions (including your own accidents).

Perhaps the best news on this topic is that renters insurance is quite reasonable. In Oregon, for instance, the average cost is just $13.75 a month, and very little more for even triple that amount of coverage. Around the country, the average cost is only about $179 annually.

You then determine the amount of your deductible. The deductible — usually for $500 or $1,000 — is the cash amount for which you’ll be responsible before your insurer starts to cover the claim. For example, if you have a $500 deductible and a fire causes $40,000 in damages, the most your insurance company would pay would be $39,500 to settle your claim.

The higher the deductible you assume, the lower your monthly premiums.