Renters Insurance in Washington, D.C.

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How Much Is Renters Insurance in Washington, D.C.?

The average price of renters insurance in Washington, D.C., is $13 a month, or $158 a year. Your renters insurance could cost anywhere from $10 a month to $36 a month depending on how much coverage you purchase.

Average cost of renters insurance in Washington, D.C.
Coverage amount Average cost per month Average cost per year
<$13,999 $10 $124
$14,000 $11 $137
$20,000 $12 $145
$26,000 $14 $262
$32,000 $14 $171
$38,000 $16 $187
$44,000 $16 $187
$50,000 $18 $217
$75,000 $23 $273
>$100,000 $36 $436
D.C. average $13 $158
Source: National Association of Insurance Commissioners

The extra security provided by renters insurance is worth it compared to its low cost. Consider the total price of replacing your electronics, clothes, musical instruments and furniture. It’s likely your renters insurance policy can cover many of these belongings and more for just a few dollars a month.

Renters insurance doesn’t only protect your home and belongings. It may also help with additional expenses in case of injury or emergencies. Considering the cheap cost of renters insurance, the peace of mind and financial security it offers are likely worthwhile.

Though 56% of D.C. residents rent their homes, only about half of those tenants have renters insurance. By paying as little as $124 a year in Washington, D.C., you can get the right coverage to protect your household from disaster with renters insurance.

Renters insurance companies in Washington, D.C.

There are a variety of national insurance companies to choose from in Washington, D.C. Price is important, but you should also consider customer service ratings when choosing a renters insurance company. If you do have to file a claim, you want a company you trust on your side to help you get your life back on track.

We evaluate an insurance provider’s customer satisfaction using two criteria: J.D. Power’s overall satisfaction score and the NAIC Complaint Index. You should keep these ratings in mind when deciding which companies to ask for quotes. Here’s how Washington, D.C.’s best renters insurance companies compare:

Washington, D.C., renters insurance companies
Company 2019 J.D. Power overall satisfaction (out of 1,000) 2019 NAIC Complaint Index (lower is better)
State Farm 850 0.35
Travelers 815 0.46
Chubb 0.12
USAA* 895 0.49
Allstate 829 0.77
Liberty Mutual 824 0.65
Nationwide 828 0.50
Erie 845 0.26
Assurant 1.06
American Family 853 0.61
The Hartford 803 1.90
Amica 0.22
*USAA is only available to military service members, veterans and their eligible family members.

If you already have insurance for your car, home or boat, you may want to look into bundling your policies together. This can be a great way to save money as companies typically offer discounts when you buy multiple types of insurance.

However, bundling with another type of insurance isn’t guaranteed to get you the most affordable rates. We recommend comparing quotes from multiple policies to make sure you get the best bang for your buck.

Renters insurance quotes in Washington, D.C.

Not all renters insurance policies are the same, so comparing renters insurance quotes from several companies is a must-do when it comes to selecting the right one. While it’s tempting to try to save by choosing the cheapest policy, you won’t get as much value from your plan if it doesn’t offer comprehensive protection. Coverage limits in particular are important because they represent the maximum payout you’ll receive after filing a claim.

Renters insurance quotes usually contain four coverages: (1) personal property, (2) loss of use, (3) personal liability protection and (4) medical payments to others. Each of these areas has its own coverage limit, so you’ll have to decide what amount is right for you.

What does renters insurance cover?

Personal property coverage protects your stuff from damage or loss. To choose a coverage amount, consider the cost of replacing all of your belongings in the event of disaster. For many people, $20,000 to $30,000 of coverage may be enough, but you should choose an insurance policy that fits your needs.

There may be some limits to personal property coverage. For example, most renters insurance doesn’t cover items damaged by pests, floods or earthquakes. Additionally, some items, such as electronics, may have a coverage limit, so be sure to read the fine print.

Loss of use covers any additional expenses that may arise in the event that an emergency renders your rental unlivable. For example, if your home catches on fire, this covers the cost of a hotel and related expenses for a short time. It frequently provides $3,000 to $5,000 of coverage.

Personal liability protects you when someone sues you for accidental injury or damage to personal property by paying your legal fees and settlement costs. Most renters insurance liability starts at $100,000, with options to add higher coverage.

Medical payments to others covers most injuries that occur in your home. In the event that a guest is injured and visits a doctor, renters insurance could pay for the cost of treatment. Policies typically have $1,000 to $5,000 of coverage, but this can be adjusted.

When you choose a renters insurance policy, you’ll get the best value if you make sure you have the right coverage for your situation. If a plan doesn’t provide high enough coverage, be sure to adjust it to get the most value from your plan. Don’t be afraid to shop around until you find the best plan for the price.

Renters insurance requirements and laws in Washington, D.C.

There is no D.C. law requiring you to have renters insurance, although your lease may require it. Your landlord should also have their own insurance policy to cover the physical structure of the unit. However, this won’t cover your belongings or protect you from liability like a renters insurance policy is intended to do.

In general, Washington, D.C., tenants have more protections than tenants in other states. For example, your landlord is required to resolve pest and mold complaints in a timely manner. Nonetheless, tenant law doesn’t protect you from all the costs of emergency rental issues, which is why it’s still a good idea to have renters insurance.

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