PEMCO Renters Insurance

PEMCO Renters Insurance

 4.0/5 (80 reviews)
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About PEMCO Renters Insurance

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PEMCO sells renters insurance to residents of Washington and Oregon. The company covers personal property, loss of use in case you can’t live at your rental while it’s being repaired or rebuilt, liability and more. Multiple discounts are available. Customers can file claims at any time. You can request a quote for PEMCO renters insurance online or by calling.

Pros & Cons


  • Multiple discount options
  • 24/7 claims service
  • Useful Go PEMCO app


  • Limited website information

Bottom Line

PEMCO renters insurance covers Washington and Oregon residents. Policies include coverage for personal property and liability. Most renters qualify for a discount. Premium protection costs around $200 per year.

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What is PEMCO renters insurance?

PEMCO renters insurance financially protects residents of Oregon and Washington who rent their homes. It’s based in Seattle and has a second location in Spokane, Washington. The company has been in the insurance industry since 1949.

PEMCO policyholders can make claims 24/7 online or by phone. You can request a quote for renters insurance online or by contacting a customer service representative by phone Monday through Saturday. You can also visit an agent at any PEMCO agent location throughout Washington and Oregon; you can find the closest to you on the company’s website.

How does PEMCO renters insurance work?

To get PEMCO renters insurance, you must first request a quote. You can request a quote online or by contacting PEMCO by phone. You can also visit an agent in person. Be prepared to provide information including:

  • Your name
  • Your email
  • Your phone number
  • Your date of birth
  • A valid property address
  • When you would like coverage to start

You’ll also answer questions about the type of rental you have, the type of heating it uses, how much personal property coverage you want and whether you want additional protection for high-value items such as jewelry. A PEMCO agent may need to follow up to complete the quote process.

For renters, PEMCO offers the following types of renters insurance coverages:

  • Personal property coverage: Your clothing, appliances, furniture and other belongings are protected if they are damaged in a covered event or stolen from your home or car. You can add extra coverage for expensive items like jewelry and computers.
  • Replacement cost coverage: With replacement cost coverage, you get reimbursed for damaged or stolen items at today’s costs — not what you paid for the original purchase or a depreciated value.
  • Loss of use coverage: If you can’t live in your rental because of a covered event, PEMCO helps with living expenses during repairs or rebuilding.
  • Personal liability coverage: This coverage protects you financially in the event you’re legally liable for someone’s injury on your property, if someone’s property is damaged in your home or if you damage someone else’s property during a visit to their home.
  • Medical payments to others coverage: PEMCO pays medical bills if a guest is injured in your home, no matter who’s at fault. It also provides coverage if you accidentally injure someone while you’re at their home.

Once you’re a policyholder, you can log in to your online account to get a dashboard overview, see policy details, make policy changes, set up a payment plan and pay bills, get proof of insurance and make claims. You can also use the Go PEMCO app, available for both Android and Apple products, for many of the same purposes.

PEMCO renters insurance cost

PEMCO says on its website that “premium” renters insurance costs about $200 per year. In general, many factors affect the cost of renters insurance. These include the location of your rental property, the amount of coverage you want and the deductible. The cost also depends on what discounts you qualify for. Available discount opportunities include:

  • Combining renters and auto policies
  • Claims-free discount
  • Educator discount
  • Protection device discount
  • Sprinkler discount
  • Fire-resistive construction discount
  • Newer home discount (in Oregon)

To find out how much renters insurance will cost for you, contact PEMCO to request a quote.

PEMCO renters insurance FAQ

What does PEMCO renters insurance cover?

PEMCO renters insurance covers personal property, liability, loss of use and medical payments.

Does PEMCO renters insurance offer discounts?

Yes, PEMCO offers various discounts on renters insurance. These include protection device, sprinkler and claims-free discounts. You can also save if you combine renters and auto coverage.

Where is PEMCO renters insurance available?

PEMCO renters insurance is available in Washington and Oregon.

Does my credit score affect my PEMCO renters insurance rate?

It depends on the state. Washington is currently weighing a ban on insurance companies’ use of credit history to determine premiums. In Oregon, insurers can use credit history in the initial underwriting decision.

Is PEMCO renters insurance good?

If you live in Washington or Oregon and rent your home, consider getting a quote from PEMCO. The company has been in the insurance business since 1949 and is established in the Northwest. Customers can get all standard renters insurance coverages and manage their policy online or through the mobile app. As with any insurance product, we recommend getting offers from and comparing multiple providers.

PEMCO Renters Insurance Reviews

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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: Jan. 30, 2021

I've had PEMCO for years--renter's and auto. In 40 years of having Renter's, I've never filed a claim. Then water spilled on my laptop. Let's see.... Water damage-check, computer-check, accident-check, etc. etc. Spoke to an adjuster who told me to go get my computer checked and if it couldn't they'd send me a check. I paid to have my computer checked. I reviewed the instructions on the process, which said I could replace it then. I fill out the paperwork and sent it in and was told it was not covered. In the double, triple and yes even 4-negatives, it basically excluded anything not specifically listed. And, oh, by the way, they no longer have those terms, they reversed it. The cost for the upgrade would be $4/year. I asked, why didn't anyone tell me when I renewed each year? Silence.

I looked through every email and letter and they never even told me that the new policy was different and I could change it. (For $4/year, hell yes!). The adjuster apologized.... She assumed my policy had been updated. She offered to pay for the repair costs but stopped returning my phone calls or emails. I followed up the chain asking why no one ever gave me the option to change? Wasn't it their obligation to keep my policy current? How could I possibly know there was a change in the policy when their listings of changes did not include this? Silence. They are a non-profit insurance company. I chose the only rental insurance they had and every year when I asked if I was covered the best way possible, they said yes. The really strange thing was that the NEW policy now INCLUDED things that were never in these policies such as Acts of God, war and nuclear explosion. It really looks like the company wants to cover you...

When someone makes a mistake at a company or gives you incorrect information or has you pay to check a computer that you know is fried, usually explaining it in detail and being honest, upfront and polite, someone will make a gesture to making it right. They admitted they failed to show the change was available and that they never told me about it when asked. Despite the fact that they told me I was covered as best as possible, I was not. Because they (were ignorant? didn't care? didn't understand? too lazy to change the policy? lied?) it cost me over $2,000. If a non profit would do this, how could I trust anyone else. I switched my policy to the newer version. They backdated the cost, but didn't let me benefit for the extra amount I paid.

Unless you are an expert in every field, companies have it set up to screw you. No one can be an expert in every field. Pemco has clever commercials. It makes them seem friendly and like real people. What else could they say in the commercial- "We have Renter's Insurance, but you can't be certain of what we sold you.... Thanks for the extra money.... You can't collect."

2 people found this review helpful
Verified Reviewer
Original review: Dec. 22, 2018

Good client, 800 credit score, no tickets no claims, 10 years with them. All my stuff is in the USA, building a home in Point Roberts and they decided to non renew me because I live in Canada sometimes while my house is being built. They have no integrity nor common sense. I will never be a client with them again. For a company that claims to have loyalty they sure have none. Thanks for canceling all my stuff on Christmas rental home, renter's policy and auto (all stuff in the USA), Merry Christmas to you too!

4 people found this review helpful

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    Verified Reviewer
    Original review: June 12, 2018

    PEMCO has good relations with their insureds. They provide the coverage and defend well when needed. Their complaint rate with OIC is very good! Much better than Allstate & others.

    2 people found this review helpful
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    Verified Reviewer
    Original review: June 2, 2018

    PEMCO is good but pricey. Also I don't like that our credit history can affect the rate especially when I have been a good driver for years.

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    Verified Reviewer
    Original review: April 12, 2017

    I have never filed a renters’ insurance claim but I trust PEMCO to do the right thing because I also have auto insurance with them and they always follow through and took care of those in a speedy manner. I got the policy years ago and it looked okay at the time. It is time to check to see how much I am covered for. I expect them to take my word for the damage done. If my house burned down it would be very difficult to provide proof of what burned up.

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    Verified Reviewer
    Original review: Dec. 8, 2016

    It was easy getting and renewing my policy when I rented an apartment. The coverage amount was sufficient and the quarterly premium was affordable. Luckily, I never had to file a claim. If I did it would have been a seamless process. My claim would have been addressed in a timely manner. There were 3 different tiers for coverage. All three tiers were at different price points. Also, I had the ability to pay quarterly, 6 months or for the whole year. I had the option of covering all of my things up to $20000. Also, have where there's coverage if someone gets hurt at my place and I get sued.

    3 people found this review helpful
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    Verified Reviewer
    Original review: Aug. 25, 2016

    I was cited for a DUI for driving while on prescription medication for a fractured back on 12/31/2015. As we could not afford 4k to fight this I opted for diversion. PEMCO decided to cancel our insurance on 8/25/2016. We have never filed a claim, never had an accident. When we asked them to simply remove me from the policy, their response was rudely stated that they don't do that. They have our homeowner's insurance presently which they decided they would keep since the premium is paid for the year. They simply do not care about customers, simply give me your money. Never have any contact with them or they will just cancel your policy. Scum of the Earth greedy...

    6 people found this review helpful
    Verified Reviewer
    Original review: Dec. 29, 2015

    I purchased a different vehicle and traded in my old vehicle. I went over to check their phone number and realized that I'd forgotten that I already had an online account. It was smooth and easy to get this done! Also, I have always been pleased with PEMCO and decided I should share this satisfaction. I've had coverage since the 70's with my very first car. I have never had a problem with them, and in fact, was delighted what they did cover a gillnet that was stolen off our property!. In addition, I've called them to ask if I am covered because a friend had the worst experience with her insurance company after she was robbed. She had to show receipts for every single thing that was stolen. I called to make sure that wasn't what would happen to me. (She got a paltry payment since she didn't have receipts.) PEMCO assured me that I was covered. "We do not operate that way."

    Some folks tell me that it is a high-priced "premium" insurance. Given that when I've made a claim, I've never had a problem, I'd say they're very reasonable! Not only that but friends that are in the insurance business have *never* beaten the price PEMCO gives me. So, I came over here specifically to give this 5-star review! (And I rarely take the time to rate anyone!)

    3 people found this review helpful
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    PEMCO Renters Insurance Company Information

    Company Name:
    PEMCO Renters Insurance
    Year Founded:
    19020 33rd Avenue West, Suite 680
    Postal Code:
    United States