The Best Renters Insurance Companies in Seattle

Lemonade is an extremely affordable and convenient option for renters insurance in Seattle. At an average of just $10 per month, renters insurance from Lemonade is around half the citywide average.

Lemonade's website and mobile app are very easy to use. You can typically get a quote or file a simple claim in just a few minutes. Lemonade has a high score on J.D. Power's customer satisfaction survey, which is likely because of its great online experience.

The biggest drawback of choosing Lemonade is that it doesn't have offices. That means you won't have a dedicated agent to meet with. It can also be difficult to get in touch with a person over the phone. That could be one of the reasons why Lemonade gets nearly four times as many complaints as other companies its size.

State Farm is the best choice for renters who want their insurance policy to protect against earthquake damage. It's easy to add earthquake coverage to a State Farm renter's policy, and it only costs around $1.33 per month.

At $10 per month, or $123 per year, State Farm is the second-cheapest insurance company in Seattle. And it's only $5 per year more than the cheapest option, Lemonade.

Although State Farm earned a good score on J.D. Power's customer satisfaction survey, it gets 21% more customer complaints than other companies its size. That makes it difficult to predict whether State Farm will pay to replace your stuff quickly after it's damaged or destroyed.

Unfortunately, State Farm doesn't offer many additional coverage options besides earthquake insurance. For example, you can't get replacement cost coverage, which pays to replace your belongings with brand new items.

Amica is the best choice if smooth claims and great customer service are important to you. It's a little more expensive than other companies, but Amica customers are consistently happy with their experience.

Amica only gets one-third as many complaints as an average insurance company its size. This suggests that you can count on Amica to get your life back to normal quickly after an emergency.

Renters insurance from Amica costs about $14 per month. While that's $4 per month less than the city average, it's also $4 per month more than Lemonade and State Farm.

However, Amica also offers plenty of ways to lower your renters insurance costs, including discounts for:

In addition, Amica offers flood insurance for renters. This could be a helpful add-on if you live in the Puget Sound area, in a low-lying area or on the bottom floor of your apartment building.