A & M Insurance, Inc.
14410 SE Petrovitsky Rd Suite, #202, Renton, WA 98058
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14410 SE Petrovitsky Rd Suite, #202, Renton, WA 98058
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625 S 4th St, Renton, WA 98057
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451 SW 10th St, Suite 201, Renton, WA 98057
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1107 SW Grady Way, Renton, WA 98057
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19201 108th Ave SE, Ste 201, Renton, WA 98055
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Learn about insurance coverage options specific to Renton residents.
Complete guide to auto, home, and renters insurance in Renton, Washington. Learn state requirements, local costs, earthquake coverage needs, and find local agents.
Home InsuranceRenton home insurance guide: earthquake risk, Lake Washington flood coverage, and rates. Learn what standard policies exclude and how to protect your home.
Washington state requires all drivers to carry at least $25,000 bodily injury coverage per person, $50,000 per accident, and $10,000 for property damage (25/50/10). However, these minimums are often insufficient—most experts recommend at least 100/300/100 coverage to adequately protect yourself from major financial liability in a serious accident.
The average annual cost for homeowners insurance in Renton is $1,963 for a $600,000 home with a $500 deductible, which is 1.8% higher than the Washington state average. For a $300,000 home, expect to pay around $980 annually. Your actual rate will depend on factors like your deductible, credit score, claims history, and specific coverage options.
No, standard homeowners policies do not cover earthquake damage. This is critical in Washington, which experiences over 1,000 earthquakes annually and has the second-highest earthquake risk in the United States. You must purchase earthquake coverage as a separate endorsement, typically with deductibles ranging from 10% to 25% of your coverage limit.
Yes, absolutely. While your landlord's insurance covers the building, it doesn't protect your belongings or provide liability coverage if someone is injured in your apartment. Renters insurance typically costs just $15-30 per month and covers your possessions, provides liability protection, and covers legal defense if you're sued. Many landlords now require it.
It depends on your location. Standard homeowners policies don't cover flood damage, and only about 1% of Washington residents carry federal flood insurance. If your home is near water, in the Cascade foothills, or in an area prone to landslides, flood or landslide coverage is worth investigating. Talk to a local agent who understands Renton's specific risk areas.
Local independent agents understand South King County's specific risks—earthquake exposure, flooding patterns, traffic conditions, and how your location near Boeing or The Landing might affect rates. They can shop multiple insurance companies on your behalf for better coverage and pricing, and they provide personal service when you need to file a claim, which matters during stressful situations.
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