Renters Insurance Quotes in Washington

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Don’t Even Rent a Tent in Washington Without Vern Fonk in Your Corner

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.

Reasons to Buy Renters Insurance in Washington?

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).

What is the Average Cost of Renters Insurance

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.

Choose Your Type of Coverage

Perhaps the last important buying decision you must make as you price out your renters insurance policy is whether to buy an actual cash value or a replacement-cost plan. Here’s the difference between them:

  • If you have an actual cash value policy, you’ll be paid the cost of the object covered at its current value. So if it’s a 5-year-old computer, you’ll receive compensation for what the older device would fetch on the market as a used device. So you might only get partial compensation and have to add your own money when buying a replacement.

  • With a replacement-cost policy, you’d receive what it would cost to buy the new-on-the-market version of the computer you lost. As you might expect, you’ll pay more in monthly premiums for a replacement-cost policy, but only about 10% more, on average.


Get Tough and Protect Your Stuff with Cheap Renters Insurance in Washington

To find out more about affordable renters insurance in Washington and Oregon, simply get hold of your Vern Fonk Insurance representative at (800) 455-8276. Your Vern Fonk agent can answer all of your questions and help you determine how much coverage you need at the most affordable cost.

If you’re looking for an even faster response, just fill out our online quote form and get a quick idea of what your policy might cost.

With that easy decision, you’ll know greater financial security and gain peace of mind. And that’s what your renters insurance policy really provides.