Recommended Renters Insurance Features for Seattle Renters

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Recommended Renters Insurance Features for Seattle Renters

Staff Writer · Nov 3, 2009

When Seattle renters want to cover their liability with renter insurance, there are a few things to keep in mind about what these kinds of policies should include. Every city has its same unique combination of factors that reflects what residents should be concerned about when purchasing apartment insurance as tenants in the building and looking at everything that goes into their renter insurance premiums. Here are some of the things you might want to include in your renters insurance coverage in the city of Seattle.

Precipitation and Water Damage Clauses

This item is a major one for Seattle residents. As many know, this city gets more than its fair share of rain. As a northern metropolis, Seattle also gets winter weather that can cause major damage to properties. Some renters might be surprised to see that conventional flood damage may not be covered in their standard renters insurance agreement. Make sure to get this kind of coverage to make sure that excessive rain runoff, or even broken pipes and plumbing situations in your building, won’t lead to ruin and uninsured furniture or possessions.

Watercraft Coverage

Along with conventional renters insurance, Seattle residents who own boats and other watercrafts should make sure these are covered in their agreement. For a boat that is housed in a separate location from where you rent, you will need an additional insurance policy or some kind of rider to cover that asset. Even for smaller watercraft or accessories, you may need to be specific about taking out renters insurance that will cover this kind of gear for residents who spend a lot of time in the Puget Sound or the waters of the Pacific.

Dog Bite Insurance

Any pet owners, especially those who are fans of dog breeds that are characteristically labeled more aggressive, should really know about how dog bite riders or clauses fit into a conventional renters insurance policy. It’s a fact that insurance companies stereotype a dog by its breed. Yours might be the sweetest, most well behaved canine in the world, but all the insurance company sees is a breed of dog, and that’s how they create their risk assessment. As a result, certain breeds of dogs have to be covered by homeowners insurance, and it’s good to include them in renters insurance as well.

Studies indicate that Seattle is competitive with other cities in terms of dog ownership. Another study by the national Centers for Disease Control claims that 4.5 million Americans are bitten by dogs each year. That makes dog bite insurance a critical part of a policy for dog owners. Think about it when you are setting up your Seattle renters insurance.

Volcanoes

That’s right, renters can even customize their policies to include volcano damage (as well as earthquake, fire, tornado or hurricane). Depending on where a property is located, if you feel like the nearby Mount St. Helens could become a liability in the future, adding this kind of coverage might be okay. It certainly shouldn’t cost much, since the likelihood of a volcano related claim is so low.

These are some of the interesting parts of a Seattle renters insurance policy that will have you ready for any contingency and protect your investment in your personal possessions.

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