Best Renters Insurance in Washington, D.C. (2024)

Lemonade provides convenient online and mobile-friendly policies for renters who prefer building their own plans. Our team obtained a quote using Lemonade’s free mobile app. We found the app provides the same coverage customization as its online tool. You can easily add to or subtract from the coverage amounts for personal property, loss of use, and medical payments to others to suit your needs.

Lemonade provides one of the most affordable and comprehensive policies out of our top providers. We pulled a quote for a 37-year-old single male renter without prior covered losses or security devices installed. We received a price of $6.09 per month.

This price includes $10,000 in personal belongings, $100,000 in personal liability, $3,000 in loss of use, and $1,000 in medical coverage to others paired with a $500 deductible. Choosing the lowest deductible option increased the monthly premium we were quoted by nine cents. Note your monthly premium may vary based on your coverage selections and deductible choice.

Lemonade provides various endorsements, further solidifying its stance as a comprehensive provider. Here are the endorsements you can add to your plan:

• Additional coverage for jewelry, fine art, and more
• Appliance equipment breakdown 
• Coverage for landlord property damage
• Coverage for your significant other 
• Water backup protection

Unlike other providers, Lemonade offers limited discounts; its policies can already be as low as $6 per month. Here are Lemonade’s available renters insurance discounts:

• Annual premium discount: You may be eligible for this discount if you sign up for an annual premium instead of a monthly premium.

• Bundling discount: You can save by adding additional policies to your renters insurance policy, such as auto, pet, or term life insurance.

Fire and burglar alarm discount: You may be eligible for a lower renters insurance rate if your home has installed fire and burglar alarms.

State Farm provides generous liability protection and valuable item coverage. It’s the only provider on this list that includes valuables coverage within a standard policy versus as an endorsement. We pulled a quote using State Farm’s online quote tool and noted that filling out the form takes fewer than two minutes.

We pulled a quote for a 37-year-old single male renter without prior losses or security devices installed. State Farm quoted us a price of $10.75 per month.

This price includes $10,000 in personal property, $100,000 in personal liability, $1,000 in medical coverage to others, and $7,500 in valuables coverage paired with a $500 deductible. Unlike Lemonade, selecting a higher deductible lowers your rate by several dollars. Your monthly premium may vary based on your coverage selections and deductible.

State Farm provides several coverage endorsements, although not as many as other providers. Here is a list of State Farm add-ons:

• Backup or sewer drain endorsement
• Cyber event, identity restoration, and fraud loss endorsement
• Earthquake endorsement
• Flood insurance endorsement

State Farm provides a limited number of discounts. However, the company adds value to its policies by offering earthquake and flooding endorsements, plus valuables coverage. Here are State Farm’s available discounts:

• Bundling discount: You may be eligible for a discounted rate when you add an auto policy to your renters insurance.
• Claim record discount: State Farm offers this discount if you haven’t had a covered loss within five years.

Home alert protection discount: You may be eligible if your home has installed smoke detectors and burglar and fire alarms.

Liberty Mutual is another solid choice for Washington, D.C., renters, especially those who want straightforward coverage. Liberty Mutual provides customizable personal property, liability, loss of use, and medical coverage to others. Its personal property coverage limits are lower than other providers. We used Liberty Mutual’s online quote form and found it helpful. We liked that Liberty Mutual notes its $15,000 personal property limit is the most popular choice in a drop-down menu.

Our team attempted to pull cost data for a 37-year-old single male renter without prior covered losses or security devices installed. However, Liberty Mutual requires a social security number before providing a monthly cost. Therefore, our team couldn’t obtain a Liberty Mutual renters insurance price.

Based on the average Washington, D.C., renters insurance cost figures compiled by the Insurance Information Institute (III), we estimate a Liberty Mutual policy costs roughly $13.17 per month for basic coverage. Your monthly premium may vary based on your coverage selections and deductible choice.

Due to its lower coverage limits for personal property, Liberty Mutual offers a limited selection of endorsements. However, it provides up to five policy discounts. Here is a list of Liberty Mutual add-ons:

• Blanket jewelry coverage
• Earthquake coverage
• Portable electronics coverage

Liberty Mutual offers the following discounts:

• Claims-free discount: You may be eligible for this discount if you haven’t had a covered loss within the past five years.
• Early shopper discount: You can save if you sign up for a policy before your current renters insurance policy ends.
• Multi-policy discount: You may be eligible if you bundle additional Liberty Mutual policies, such as auto insurance, with your renters insurance.
• Online sign-up discount: This discount is available for those who sign up online.

Preferred payment discount: Liberty Mutual offers this discount when you enroll in an automatic payment plan.

Allstate renters insurance provides structured policies. Unlike other providers on this list, Allstate offers three renters insurance coverage plans, each with set coverage limits. We found it simple to pull a quote on Allstate’s website by filling out its online form. Allstate clearly labels each type of insurance policy it offers on its homepage. However, Allstate, by default, selects auto insurance as your policy. This can lead to confusion about which plan you’re purchasing.

We pulled our quote information from Allstate using the following factors: a 37-year-old single male renter without prior covered losses or security devices installed. We received the following cost figures:

• Basic: $12 per month
• Standard: $15 per month
• Enhanced: $23 per month 

Note that coverage limits vary based on the tier you choose. For example, Allstate provided $40,000 in personal property, $200,000 in liability, and $1,000 in guest medical protection in its Enhanced tier. Your monthly premium may increase or decrease based on your deductible choice.

Allstate offers its identity theft restoration endorsement online and with an agent. For additional endorsements, contact an Allstate agent. Below is a full list of Allstate endorsements:

• Flood insurance endorsement
• Identity theft restoration
• Personal umbrella policy
• Scheduled personal property endorsement

Although Allstate provides limited discounts, it offers a unique 55 or older discount for renters in that age group. Most providers don’t offer age discounts. Here is the full list of Allstate discounts:

• 55 and retired discount: You may be eligible for a renters policy discount if you are 55 or older.

• Easy Pay Plan: Allstate offers this discount when you enroll your policy in an automatic payment plan.

• Multi-policy discount: You can save by bundling your renters insurance with a car insurance policy.

USAA is our final recommendation for Washington, D.C., renters. It exclusively covers current or former military members and their families. USAA stands out by providing earthquake and flooding protection for those who meet the military member requirement. Our team utilized USAA’s mobile app and found it easy to navigate. The app provides four quick links to access important policy information: the claims department, your billing page, and more. 

We attempted to pull cost data for a 37-year-old single male renter without prior covered losses or security devices installed. Based on USAA’s strict policy requirement, our team couldn’t obtain a price for its renters insurance policy.

Based on III cost figures, we estimate a USAA policy costs roughly $13.17 per month for basic coverage in Washington, D.C. Your monthly premium may vary based on your coverage selections and deductible choice.

Due to its comprehensive standard coverage, USAA only offers two endorsements:

• Electronics protection
• Valuable personal property coverage

In addition to membership perks, USAA adds value to its renters policy by providing the following discounts:

• Claims-free discount: You may be eligible for this discount if you haven’t reported a covered loss in the past three years.

• Protective devices discount: You can save on your monthly rate if your home has installed monitored fire alarms or security systems.

• Multi-policy discount: USAA offers this discount when you add an auto policy to your renters plan.

• Living-on-base discount: You may be eligible for this discount if you live on base, in barracks, or in military dorms.

Service Academy discount: You may be eligible for this discount if you live in one of the U.S. Military Service Academies.