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Short-Term Rental Insurance in Washington
Fast, affordable coverage from one of the best-rated short-term rental insurance services in Washington
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Why you need short-term rental insurance in Washington
Despite being a more tenant-friendly state, Washington has a lot to offer for landlords. There is a high concentration of renters in Washington (close to a million). A large majority of the renters residing in Seattle. Seattle has more renters than homeowners. If you are a landlord in Washington, keep these laws in mind:
Security Deposits- Within 21 days of the tenant vacating the premises, the landlord must return the security deposit. Landlords are allowed to not require a security deposit, but if they do, then they must hold the security deposit in a separate trust account.
Rental Agreements– Must be in written form for a lease that is longer than 12 months and in leases shorter than 12 months if there was a security deposit or any non-refundable fees.
Other– The landlord must arrange for regular trash pick-up, provide working locks/ keys, and heating and hot water.
Who is short-term rental insurance for?
Short-term rental insurance protects your investments when they are rented as a vacation rental, AirBnB, VRBO, etc. Short-term rental insurance covers rental periods as short as one night. This insurance offers coverages for:
Legal liabilities
Fire and water damage
Financial protection against natural disasters
Protection for your furnishings
Short-Term rental insurance coverages in Washington
Your insurance policy can cover a wide range of risks, or you can choose a limited set of coverages for a lower premium.
Fire
Because of modern safety codes, fires have become rarer, but the fires that do start tend to cause total destruction of the property.
Water
Broken pipes and appliance leaks are the most common and overall the most expensive property damage for rental properties.
Windstorm, hail, & lightning
Roof damage from storms has become increasingly common as the intensity and frequency of storms have increased over the last two decades.
Lawsuits
Liability protection covers the cost of defending you and settling claims from tenants and their guests for injuries sustained on your property.
Riot and civil commotion
When violent protests break out, riot coverage can pay to fix property damage caused by looters and protestors.
Vandalism & theft
Malicious mischief coverage, as it’s known, covers repairs to broken glass, graffiti removal, and replacement of stolen or damaged property like shared washing machines.
Injury
Injury protection can keep you from getting stuck with the cost of medical bills if a tenant or visitor gets injured on the property.
Bonus coverages
Many policies also include coverage for a long list of other perils such as riots or civil commotion, explosions, volcanic eruptions, and damage caused by vehicles.
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