How Much Does Renters Insurance Cost in Bellevue, WA?
Bellevue pricing is 40% above the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Bellevue's diversified economy.See our methodology
Renters Insurance Pricing in Bellevue, WA
Bellevue is a high-cost market where renters insurance runs about 40% above the national average. The city's diversified economy supports higher wages, which translates to elevated contractor rates. With a population of 150K, competition among providers exists but demand keeps prices firm.
Local climate plays a direct role in renters insurance costs here. Heavy rainfall requires excellent moisture management for roofing and foundations.
Market-specific factors matter in Bellevue: environmental regulations may affect building materials and methods.
Bellevue has moderate permitting requirements. Depending on the scope of your renters insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Bellevue vs National Average
What Affects Renters Insurance Cost in Bellevue?
Coverage
$20K: $10-$15/mo; $50K: $20-$35/mo
Location
High-crime adds 50-100%
Deductible
$500 vs $1,000 saves $3-$8/mo
Bellevue Market Conditions
environmental regulations may affect building materials and methods
Local Climate Impact
heavy rainfall requires excellent moisture management for roofing and foundations
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Top-Rated Renters Insurance Pros in Bellevue, WA
5 providersApex Electrical
✅ VERIFIEDPremier Contractors
Summit Electrical
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Tips to Save on Renters Insurance in Bellevue
- 1.Bundle with auto for 10-20% discount
- 2.Increase deductible to $1,000
- 3.Create home inventory
- 4.Actual cash value is cheaper
📈 Renters Insurance in Bellevue Cost Trends (2020–2024)
Prices have increased +21.7% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $23 | — |
| 2021 | $24 | +4.3% |
| 2022 | $26 | +8.3% |
| 2023 | $27 | +3.8% |
| 2024 | $28 | +3.7% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Bellevue
Recent Reports
Frequently Asked Questions
How much?
$15-$30/month on average.
What is covered?
Personal property, liability, additional living expenses.
Why does renters insurance cost different in Bellevue than other cities?
Bellevue's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Renters Insurance Cost in Nearby Cities
Popular Services in Bellevue
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