Expertise.com
2024

Last updated:

Best Renter's Insurance Companies in Federal Way

Our Recommended Top 4

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Federal Way Renter's Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

38

Reviewed

24

Curated

4

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
32700 Pacific Hwy S #7, Federal Way, WA 98003
  • Home and Auto Insurance

Why choose this provider?

Rainwater Agency is an insurance broker serving Federal Way and the surrounding areas. The agency offers auto, motorcycle, boat, homeowners', renters', and life insurance. It also assists with business and commercial coverage for general liability, workers' compensation, trucking, and flood. The agency has nearly 30 years of industry experience and has a diversified portfolio of insurance solutions from major carriers. It also has offices in Vancouver, Renton, and Spokane Valley.

License Verified:

License: 16575980

Washington State office of the Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.4 / 5 (32)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
34004 16th Avenue S, Suite 102, Federal Way, WA 98003
  • Home and Auto Insurance

Why choose this provider?

Brian Harris is a local State Farm agent serving individuals, families, and business owners in Federal Way. He offers a range of insurance solutions, including policies that cover renters and their personal belongings. In addition to renters' insurance, Harris designs protection for homes, businesses, pets, individual life, and health. Brian Harris has been in the insurance industry since 2009. Harris prefers to get to know his customers and their priorities to be able to provide them with the right coverage.

License Verified:

License: 744629

Washington State office of the Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (487)
Facebook
4.9 / 5 (31)
Yelp
4.0 / 5 (15)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3025 South Union Ave, Tacoma, WA 98409
  • Multiple Policy Types
  • Home and Auto Insurance

Why choose this provider?

Amber Trott is a State Farm insurance agent catering to residents and businesses in Federal Way. She offers renters' insurance, which covers losses of personal properties due to accidental damage, vandalism, burglaries, or theft. Coverage can also extend to possessions inside the clients' cars. Additionally, she provides life and health policies, banking services, and annuities. Trott and her team also help military personnel and civilians with out-of-state transfers. She is a sponsor of local LGBTQ groups, including the Tacoma Rainbow Center.

License Verified:

License: 813956

Washington State office of the Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (383)
Facebook
4.9 / 5 (44)
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
33434 8th Ave S, Ste 105, Federal Way, WA 98003
  • Home and Auto Insurance

Why choose this provider?

Brady Nelson, a State Farm insurance agent since 2000, serves clients in Federal Way and the surrounding areas. He offers renters' insurance policies that protect individuals and their possessions in the event of fire, disasters, or burglaries. Other products include auto, life, business, pet, health, and homeowners' insurance. Nelson is a 10-time Ambassador Travel qualifier and proudly sponsors Tacoma Young Life, Soundview Little League, Federal Way Lions, Federal Way Young Life, and Norpoint Soccer.

License Verified:

License: 5776090

Washington State office of the Insurance Commissioner

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (198)
Facebook
4.9 / 5 (27)
Yelp
3.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • How much do Federal Way residents pay for renters’ insurance?

    The annual renters' insurance premium in Federal Way varies between $133.48 and $172.0. This rate is based on the profile of a 20-year-old unmarried student with a claims-free record over the past five years. The coverage includes medical payments up to $1,000 and protection for personal property valued at $5,000.

  • What risks are not covered by standard renters’ insurance policies in Federal Way?

    Residents of Federal Way should be aware that standard renters' insurance does not cover expenses related to earthquake damage. Flooding resulting from weather-related events is also not covered by this type of insurance. It is recommended that renters consider purchasing endorsements for their policies to protect against identity theft and cover high-value items.

  • What are the factors that Federal Way residents must take into account when shopping for renters’ insurance?

    When looking for renters' insurance in Federal Way, applicants should assess their coverage needs by creating a risk profile specific to their rental home. It is best to compare quotes from various insurance providers based on the risk profile that has been established. It is also advisable to assess the insurer's reputation, particularly in terms of claim handling.

  • How can Federal Way tenants lower their renters’ insurance costs?

    Renters receive discounts from Federal Way insurance companies, especially if they purchase both auto and renters' insurance from the same company. Discounts are also available for renters who install security and safety systems such as fire extinguishers and burglar alarms. Older people pay less than college students who live in apartments near educational institutions.

  • How does the average annual renters' insurance cost differ among insurance companies operating in Federal Way?

    Nationwide has the lowest average annual renters' insurance rate in Federal Way, at $86.78. PEMCO and Allstate are close behind, with premiums of $90.63 and $115.16, respectively. Foremost, on the other hand, has the highest rate at $165.77. It is important to note that insurance rates differ depending on factors such as the location of the rental property, coverage limits, and deductible amounts.

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