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2024

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Best Renter's Insurance Companies in Kirkland

Our Recommended Top 6

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 Kirkland 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.

37Reviewed

24Curated

6Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
12700 NE 124th St 9, Kirkland, WA 98034
  • Multiple Carriers

Why choose this provider?

Ayao offers a variety of insurance products, including policies for renters, in the Kirkland area. It serves tenants required by their landlords or apartment managers to obtain renters' insurance. Its team of agents informs clients about the options they can have as renters, such as liability coverage to minimize injury risks on properties. The other components of renters' policies that they offer are personal property and additional living expense coverages. Owner Alice Yao, who has been an agent since 2007, represents the insurance provider Allstate.

License Verified:

License: 976624

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.
4.7
Google
4.9 / 5 (14)
Yelp
3.7 / 5 (3)

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
951 6th Street South, Kirkland, WA 98033

Why choose this provider?

Katie Kelly is a State Farm insurance agent that caters to clients throughout the Kirkland area. She provides renters' insurance services and helps with further protection options, like personal property and liability coverage. Kelly offers other personal insurance solutions, including pet, life, health, and auto insurance. She also assists small business owners through commercial liability umbrella policies. Kelly has more than 10 years of experience in finance and is a former investment consultant for a local real estate company.

License Verified:

License: 781654

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 (278)
Facebook
4.4 / 5 (23)
Yelp
3.5 / 5 (23)

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
733 7th Ave, Suite 202-B, Kirkland, WA 98033
  • Multiple Policy Types

Why choose this provider?

Absolute Insurance Solutions is a brokerage that caters to clients in Kirkland. It provides a range of personal and commercial lines of insurance, including coverage for renters. In addition, Absolute offers health and life insurance, bond coverage, and policies for homes, businesses, and automobiles. It also provides consultations and certificates of insurance. The agents at the Washington-based brokerage have more than 10 years of experience in the industry. They can communicate in English, Spanish, Russian, and Chinese.

License Verified:

License: 1054943

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 (43)

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
1212 N Washington St #20, Kirkland, WA 99201
  • Home and Auto Insurance

Why choose this provider?

Founded in 1916, Western Insurance Associates is an insurance company serving the Kirkland area. The company provides renters' insurance products to help clients cover expenditures and replace their belongings in cases of catastrophic events. It also offers auto, home, commercial, farm/crop, condo, and umbrella insurance. SafeCo Insurance, ARMtech, and Grange Insurance Associations are Western Insurance Associates' partner companies. Drew Hodgson, the agency's principal, is an International Risk Management Institute-certified Agribusiness and Farm Insurance Specialist.

License Verified:

License: 912232

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.
4.1

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
12015 115th Ave. NE, Suite 240, Kirkland, WA 98034
  • Home and Auto Insurance

Why choose this provider?

The Roberts Company is an independent insurance agency that operates in Kirkland. It provides renters' insurance policies from multiple statewide and national carriers, such as The Hartford and American Modern. The agency explains all facets of these policies, from property damage coverage to medical liabilities for guests. It also assists clients in filing renters' insurance claims for theft and bodily injuries. The agency was established in 1961 and offers other types of personal insurance, such as auto and homeowners' coverage. It also provides commercial insurance for businesses and fleets.

License Verified:

License: 230597

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
Facebook
5.0 / 5 (8)

Website
615 E Pioneer St Ste 210, Puyallup, WA 98372
  • Multiple Policy Types

Why choose this provider?

PNW Insurance Group, LLC, is a company that caters to individuals, families, and business owners in Kirkland. It handles a variety of insurance products in both personal and commercial lines, including renters' coverage. It insures people who are renting an apartment or house, covering their personal belongings in the event they are stolen or damaged. The firm's insurance professionals help clients select the renters' coverage that best suits their needs. PNW Insurance Group operates three offices located in Puyallup, Monroe, and Ferndale.

License Verified:

License: 863952

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 (123)
Facebook
4.3 / 5 (15)
Yelp
2.3 / 5 (3)

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
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FAQs

  • Are insurance companies allowed to use credit scores as a factor in renter's insurance in Kirkland?

    Yes, a Washington court recently lifted the ban in 2022, allowing insurers to use credit scores in determining premiums. Some insurance companies, however, do not use credit scoring. As a result, the WA Office of the Insurance Commissioner advises Kirkland residents to shop around for the most competitive rates on renter's insurance that may suit their credit situation.

  • Can renter's insurance in Kirkland cover damage from water leaks?

    Yes, renter's insurance in Kirkland generally covers water leak damage. For example, incidents like a burst pipe, ceiling leaks, or toilet overflow will be covered, but sewer backup and flooding are not. In addition, the insurance does not provide coverage for water leaks that are caused by negligence or lack of maintenance.

  • Will the renter's insurance cover damage from storms in Kirkland?

    It depends on the circumstances. Renter's insurance in Kirkland will cover damage caused by fallen trees, hail, windstorms, and lightning. For example, lightning that strikes an attic and causes a fire is covered. Similarly, when a storm damages a window and drenches the furniture and carpet with rainwater, insurers will pay for the damage.

  • What is a deductible in renter's insurance in Kirkland?

    A deductible is the amount of money that the renter must pay before the insurance company will pay the claim. Personal property coverage in a Kirkland renter's insurance policy typically has a deductible of $250 to $2,500. A higher deductible translates into lower monthly insurance premiums, and vice versa.

  • Can a landlord in Kirkland require renter's insurance even if WA laws do not have such a requirement?

    Yes, landlords in Kirkland can legally require renter's insurance, though there are currently no state or federal laws requiring it. However, it is a good idea for a renter to have this insurance. Renters can get financial protection for their personal belongings as well as personal injury lawsuits for as little as $90 per year.

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