Renters Insurance

Protect Your Belongings & Peace of Mind with Renters Insurance

Affordable, Comprehensive Coverage for Washington Renters

Even if you don’t own your home, your belongings still hold value and deserve protection. Whether you rent an apartment, condo, or house, renters insurance ensures that your personal belongings, liability risks, and temporary living expenses are covered in case of fire, theft, or unexpected damage.



At A.G. Beck Insurance, we specialize in affordable renters insurance that provides the protection you need without breaking your budget. As an independent agency, we compare multiple insurance providers to find you the best rates and coverage options tailored to your specific needs.


Serving renters in Silverdale, WA, and all of Washington.

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What Does Renters Insurance Cover?

Many renters assume their landlord’s insurance covers them—but that’s not true. Landlord policies only protect the building itself, not your belongings or liability risks.

Personal Property Coverage

  • Covers clothing, electronics, furniture, jewelry, and more in case of fire, theft, vandalism, or certain natural disasters.
  • Provides reimbursement to replace damaged or stolen items.
  • Optional high-value item coverage for expensive belongings like art, collectibles, or musical instruments.

Temporary Living Expenses (Loss of Use Coverage)

  • Covers hotel stays, meals, and other expenses if your rental unit becomes unlivable due to a covered event (fire, storm damage, etc.).
  • Helps you maintain your standard of living while your home is repaired.

Personal Liability Coverage

  • Protects you if someone is injured or their property is damaged due to your actions or negligence—whether at your home or elsewhere.
  • Covers legal fees, court judgments, and settlement costs up to your policy limits.
  • Ideal for incidents like a guest tripping at your home or accidentally damaging a neighbor’s property.

Medical Payments to Others

  • Covers minor medical costs if a guest is injured on your property, regardless of who’s at fault.
  • Includes expenses like ambulance rides, X-rays, or emergency room visits.
  • Helps avoid potential legal claims by addressing injuries quickly and compassionately.

Additional Coverage Options

  • Flood & Earthquake Insurance (Not included in standard policies—can be added for extra protection in Washington’s high-risk areas.)
  • Identity Theft Protection (Covers expenses related to fraud or stolen identity recovery.)

Not sure what coverage you need? Let us customize a renters insurance policy that fits your lifestyle and budget.

Why Choose A.G. Beck Insurance for Renters Insurance?

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Affordable, Customized Coverage

We match you with the best renters insurance policy at the lowest price.

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Independent & Unbiased

We compare multiple insurance providers, ensuring you get the most competitive rates.

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Bundle & Save

Save money by bundling renters insurance with auto insurance or other policies.

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Fast Claims Assistance

If you need to file a claim, we handle the process for you, ensuring a quick resolution.

Want to see how much you can save? Call (360) 692-5998 for a free quote today!

Renters Insurance Discounts & Cost Savings

Looking for cheap renters insurance that still provides great coverage? You may qualify for these money-saving discounts:

  • Multi-Policy Discount – Save when you bundle renters and auto insurance.
  • Security System Discount – Discounts for having a monitored alarm system or smart locks.
  • Claims-Free Discount – Lower rates if you haven’t filed a claim in several years.
  • Loyalty Discount – Save money for staying with the same insurance provider over time.

Our experts will find every discount available to help lower your renters insurance costs!

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Frequently Asked Questions (FAQ) About Renters Insurance

  • Is renters insurance required in Washington?

    Renters insurance isn’t required by law, but many landlords require it as part of the lease agreement. Even if it’s not required, having coverage protects your belongings and liability risks.

  • How much renters insurance do I need?

    You should have enough personal property coverage to replace all of your belongings and enough liability coverage to protect against lawsuits. Our agents can help assess your coverage needs.

  • Does renters insurance cover roommates?

    No, renters insurance only covers the named policyholder and their belongings. Roommates must have their own separate policies.

  • Does renters insurance cover flood or earthquake damage?

    No—flood and earthquake insurance are separate policies. If you live in a high-risk area, we recommend adding a flood or earthquake policy for full protection.

  • How much does renters insurance cost?

    Renters insurance is surprisingly affordable, with policies starting as low as $10–$20 per month. Your final price depends on coverage limits, deductible choices, and discounts.

Still have questions? Call (360) 692-5998 for expert guidance!

Get a Free Renters Insurance Quote Today!

Protect Your Personal Belongings & Liability Risks

At A.G. Beck Insurance, we make finding affordable renters insurance easy. Whether you're renting an apartment, condo, or house, we’ll help you find the best policy at the best price.

  • Compare renters insurance quotes from top providers.
  • Customizable coverage to fit your needs.
  • Expert guidance from local, trusted agents.
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Call us at (360) 692-5998 to speak with an insurance expert.

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Request a free, no-obligation renters insurance quote online.

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Protect your rental home and everything in it—contact us today!