Renters Insurance in Washington

Affordable Protection for Your Belongings and Peace of Mind

Even if you don’t own your home, you still need protection. A landlord’s insurance covers the building—but not your personal belongings, liability, or temporary living costs if something goes wrong.


At Strategy Insurance Brokers LLC, we help renters across Washington secure affordable coverage that protects what matters—from laptops and furniture to legal liability and more.

What Does Renters Insurance Cover?

Personal Property

Reimburses you for stolen or damaged belongings—clothing, electronics, appliances, and more.

Liability Protection

Covers you if someone is injured in your home or if you accidentally cause damage to another person’s property.

Loss of Use

Pays for hotel stays or temporary housing if your rental becomes uninhabitable due to a covered event.

Medical Payments to Others

Covers minor medical bills if a guest is injured in your rental, regardless of fault.

Who Needs Renters Insurance?

Any Washington resident who rents:


  • Apartments
  • Townhomes or Duplexes
  • Single-Family Homes
  • Manufactured or Mobile Homes
  • Student or Short-Term Housing

Renters Insurance FAQs

  • Is renters insurance required in Washington?

    It’s not required by state law, but many landlords require it in lease agreements. Even if it’s optional, renters insurance is inexpensive and valuable.

  • What does renters insurance not cover?

    It doesn’t cover the building itself (your landlord’s policy does), and certain natural disasters like floods or earthquakes may require separate coverage.

  • How much coverage do I need?

    That depends on the value of your belongings. We’ll help you estimate the right amount and make sure nothing important is overlooked.

  • Can I bundle renters insurance with auto?

    Yes—bundling renters and auto insurance often comes with a discount and makes managing your policies easier.

  • What happens if my apartment is damaged and I can’t live there?

    Your policy’s “loss of use” coverage pays for hotel stays, meals, and temporary housing while your place is being repaired.

  • Does renters insurance cover roommates?

    Typically, no—each roommate should have their own policy. We’ll help explain your options based on your living situation.