Spokane, WA Renters Insurance From Effective Coverage Offers Beautiful Protection In The Lilac City
Our 2017 Spokane, WA Renters Insurance Guide will help you understand the coverage, why it’s important, and how to get the right policy for your needs. Many people are required to have renters insurance at the request of a landlord, but might not know much about the policy. That’s where Effective Coverage comes in. Our staff of insurance experts for renters make it easy to get your questions answered efficiently and to get the right coverage at the right price. That’s why we’re The Smart Way To Buy Spokane Renters Insurance!
Why is Spokane known as The Lilac City? Legend has it that the first lilac in Spokane arrived in 1882, and the city’s florists decided some years later to promote Spokane as The Lilac City. Who says blatant commercialism is a recent invention? The flowers were planted across the city, and soon led to creation of an annual festival.
Whether you’re moving to Spokane, Richland, Kennewick, Pasco, or a smaller town in Eastern Washington, you probably have questions about your new home. While the Western side of the state tends to vote blue, most of Eastern Washington breaks red – it’s worth being aware of that before you decide if politics are a good conversation topic to make friends with.Home of Gonzaga University, Spokane is also home to the Smithsonian’s Northwest Museum of Arts and Culture along with a number of other historic sites. In addition, Spokane boasts several sports teams such as the minor league Spokane Indians, the arena football team Spokane Empire, and a junior ice hockey team the Spokane Chiefs.
If you’re moving to Eastern Washington in 2017, you’ll want to be sure you have Washington Renters Insurance. It’s an important part of finding a place to call home and protecting your lifestyle. If you’re looking for a job in Spokane, you’ll find that lumber and agriculture are still two important sectors.
Spokane is the largest city between Seattle and Minneapolis, so it serves as both a hub and a center of tourism. Many major companies are headquartered here, and today education, healthcare, and retail are important sectors of the economy. Jobs are available in many other areas, as well. Spokane is a great place to live, work, and raise a family.
2017 Spokane, WA Renters Insurance Guide Table Of Contents
- What Does Spokane Renters Insurance Cover In 2017?
- Can My Landlord Require Renters Insurance In Eastern Washington?
- Can I Buy Actual Cash Value To Save Money?
- What If I Don't Want Renters Insurance In Spokane?
- Bonus Guide To Renting In Eastern Washington And Spokane
What Does Spokane Renters Insurance Cover In 2017?
- The list of what’s not covered is much shorter.
- Personal property, liability, and loss of use are all part of your policy.
- Coverage is broad and designed to cover the biggest risks most people face.
It’s actually easier to start with what’s not covered because it’s a much shorter list. Earthquakes, floods (water moving along the ground), and nuclear hazard are not covered. Intentional damage to property is not covered, for obvious reasons.
As to what renters insurance in Spokane covers, you’ll find that your personal property is protected against fire, theft, burst pipes, and a long list of other covered perils that are listed in the policy. That coverage is generally at replacement cost, so you get the money you need to buy new property of like kind and quality.
Personal property coverage is important because after a loss you need to be able to recover and continue providing for your family. Replacing everything you own gets very expensive very quickly, and having a policy helps to shield you from those costs. But what about the other costs of a fire or burst pipe, such as staying in a hotel while repairs are made? Your Spokane renters insurance includes loss of use coverage to pay for those expenses.
If you cause bodily injury or property damage to someone else, that loss caused by your negligence can be paid for with your liability coverage. That’s good, because those damages can rise quickly with the cost of healthcare today. However, there’s another benefit. Liability coverage on Washington Renters Insurance also pays for the costs of defending you against the claim or suit that’s brought against you for that loss. This saves you tens of thousands of dollars in potential legal fees.
Can My Landlord Require Renters Insurance In Eastern Washington?
- Your landlord can and may require renters insurance, but only at lease signing or renewal.
- Your landlord wants to know that you and your property are protected.
Yes, your landlord can require renters insurance in Spokane, or anywhere in the state of Washington. A lease is a contract between you and the landlord, and whatever terms the two of you agree on can be included in most cases. Your landlord wants you to have renters insurance so that you can recover quickly if there’s a loss, and so that you don’t have to sue another resident who caused the loss to be made whole.
Your landlord also wants to know that if you cause property damage to the apartment through fire, smoke, or explosion that the loss will be covered. That keeps the landlord’s insurance premiums – and your rent – down to manageable levels and helps to ensure the community operates smoothly.
Your landlord will ask to be listed as additional interest on your policy, as well. This means the landlord will be notified of any changes in the policy status, such as renewals or cancellations. It doesn’t confer any coverage, though. This is commonplace in most professionally managed communities. If you buy a policy online, there’s a place to put that information to ensure your landlord gets the notification – just click above and enter your zip code to get started.
Can I Buy Actual Cash Value To Save Money?
Actual cash value coverage is of little practical value to you. The reason your policy comes with replacement cost coverage is that actual cash value on renters insurance just isn’t enough. If your couch is five years old, it might be worth $50. That’s not enough to get a new couch to replace it with, even at a thrift store. You want the full value of your items so you can buy new ones of like kind and quality.
Replacement cost is an important part of your renters insurance policy, and it’s not something that generally can simply be removed. The good news is that renters insurance in Spokane is quite affordable, usually around fifteen dollars a month for a broad policy. Replacement cost is not a major premium driver, and even if you could remove it the savings would not be meaningful.
What If I Don't Want Renters Insurance In Spokane?
If your landlord requires Spokane renters insurance, you need to have a policy. Your lease will contain some sort of penalty provision to ensure that you maintain coverage. That could include anything from a small monthly fee to treating your lack of insurance as a lease violation.
Your landlord isn’t asking you to spend a huge sum of money, only to spend a few dollars a month on protection that you should probably have anyway. Even if all your property is secondhand, it will still cost money to replace. If you’re a college student, you don’t want to start your working life with an uninsured liability claim hanging over your head.
The good news is that it’s easy to get started. Just call an insurance expert for renters at (800)892-4308 or click above and enter your zip code to buy renters insurance in Spokane online in sixty seconds!
Bonus Guide To Renting In Eastern Washington And Spokane
Spokane is a great place to rent a home, for many reasons. There’s a wide selection of housing, from new construction apartments to single-family rentals with historic charm. You can rent from a larger property management firm like McCathren Management or a private landlord who only has a few units. Whatever lifestyle you’re looking for, rural, urban, or somewhere in the middle, you’ll find it in Eastern Washington.
If you’re renting in Spokane, you have rights. Whether you’re renting a home or an apartment often doesn’t matter. You have the right to be free from housing discrimination, that’s granted by Federal law. But local and state laws can impact your housing search as well.
- Landlords must provide a written notice informing you of specifics of tenant screening, including the consumer reporting agency being used.
- Only the actual cost of screening may be charged.
- There are no restrictions on what a previous landlord may say. If you’re concerned that a previous landlord will say unpleasant things that are not true, you should come prepared with an objective explanation of why that may be the case.
- An arrest for which you were not convicted is not valid grounds to deny your tenancy. If you have criminal history related to a disability, you may be entitled to reasonable accommodations in the screening process. Past drug addiction would be one example.
- Most landlords will want to verify your employment history and income.
- Landlords can request social security numbers, and refuse to rent to those who do not provide them.
Leases are binding for the term of the lease in Spokane and Eastern Washington. But if the lease requires you to waive certain legal rights, that section cannot be enforced. There are very few valid reasons for breaking a lease which are enshrined in statute. These include being called up for military service, in response to a repair concern the landlord isn’t working to remedy, the protections for domestic violence survivors, and if a neighbor threatens the tenant with a deady weapon and is arrested for it.
During the term of your lease, changes can’t be made unless you and the landlord agree on them. For month to month tenancies, 30 days of written notice is enough to make those changes, however.
There are many tenant protections in Washington state, but the best protection you can get is Washington Renters Insurance from Effective Coverage. Just call (800)892-4308 or click above and enter your zip code to get covered right away.