What does renter’s insurance cover and why should I get any?

There are a few reasons why we recommend customers to purchase renter’s insurance. Let us give you a quick overview:

  1. It is an inexpensive way to protect your belongings. An average renter’s policy that we sell is around $99.00 a year. It includes your clothes, shoes, TV’s, furniture etc.
  2. The building you live in might be insured by the owner, but that coverage doesn’t include your belongings. In case of a fire or other damage, your possessions wouldn’t be protected under the owners dwelling fire policy.
  3. If something happens to the building and it is temporarily uninhabitable, the renter’s policy will pay for a hotel or other place until your apartment is restored.
  4. It also provides you with liability insurance. For example if you have guests and one of them trips over the edge of a rug and gets injured. Your renter’s policy will pay.


We always recommend to choose a rather high liability, for example $300K or $500K instead of only $100K. The additional premium is not more than a few dollars per year, but if you ever have a claim, you’ll be thankful.


Talk to us, let us know what your needs are and we’ll help you to find the right coverage for your renter’s insurance in Washington. Call Homer Smith Insurance at 888-433-0031 or send us an email for a free quote or a coverage review. Or simply stop by at one of our locations in Port Townsend or Sequim.


Your Homer Smith Insurance Team

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