Short answer: In Washington, your landlord's policy doesn't cover your belongings or liability. Under RCW 59.18.260, a landlord can't collect a deposit unless the rental agreement is in writing and they give you a signed, dated move-in checklist describing the unit's condition. Under RCW 59.18.280, within 30 days after you move out, the landlord must give you a full and specific statement of any amounts kept, with estimates or invoices, plus any refund. If they miss the deadline, they're liable for the full deposit.
This guide is general information for Washington renters. It isn't legal advice, and local ordinances can add rules. Your lease and policy wording control.
Your landlord's policy covers the building, not your belongings or liability. A renters policy (HO-4) covers personal property, personal liability and loss of use; flood is generally excluded (see FloodSmart). Coverage basics: renters insurance. Roommates: whether renters insurance covers roommates. Liability: how much renters liability coverage you need.
Step 1: No checklist, no deposit
Under RCW 59.18.260:
- A landlord can't collect a deposit unless the rental agreement is in writing and says when the deposit may be withheld.
- The landlord must give you a written checklist at move-in describing the condition and cleanliness of, or existing damage to, walls, flooring, furniture and appliances. It must be signed and dated by both of you, and you get a copy.
Step 2: The 30-day statement
Under RCW 59.18.280:
- Within 30 days after the rental agreement ends and you vacate, the landlord must give you a full and specific statement of the basis for keeping any of the deposit, with any refund. Personal delivery or first-class mail to your last known address counts.
- The statement must include copies of estimates or invoices to substantiate damage charges, or receipts for materials if the landlord did the work.
- If the landlord misses the deadline, they're liable for the full amount of the deposit, and generally can't assert claims for keeping any of it.
Step 3: Earthquake, wildfire and floods
Earthquake damage to belongings is typically excluded from standard renters policies but may be available by endorsement. Wildfire smoke and fire are usually covered perils, and loss of use helps if you're evacuated. Flood is generally excluded; see FloodSmart.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Washington.
Frequently asked questions
Can a Washington landlord collect a deposit without a checklist?
No. RCW 59.18.260 requires a written rental agreement and a signed, dated move-in checklist.
How long does a Washington landlord have to return my deposit?
Within 30 days after the agreement ends and you vacate, with a full and specific statement of any deductions.
What documentation must a Washington landlord give for damage charges?
Copies of estimates or invoices, or receipts for materials when the landlord did the work.
Does renters insurance cover earthquakes in Washington?
Usually only by endorsement. Ask your agent.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.