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5 Best Renters Insurance Companies in Washington, D.C.

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5 Best Renters Insurance Companies in Washington, D.C.


5 Best Renters Insurance Companies in Washington, D.C.

Here are the top Washington, D.C., renters insurance providers:

For this article’s coverage and pricing information, our team pulled quotes for a 450-square-foot apartment in Washington, D.C. Your pricing, deductible, and available coverage may vary depending on your home’s size, type, and location, applicable discounts, your risk profile, and your chosen plan and endorsements.

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What Is the Average Cost of Renters Insurance in Washington, D.C.?

According to the III, Washington, D.C., renters insurance premiums fall in the middle range compared to other states. It ranks 30th for the most expensive renters insurance rates in the country. The average cost of a renters insurance policy is $158 annually or $13.17 monthly. Here are a few common factors that affect renters insurance costs: 

  • Coverage: Many providers allow you to customize your coverage policy limits. Your monthly premium will increase or decrease based on how much protection you need.
  • Location: Providers consider your home’s location when pricing your renters policy. You’ll pay more for your policy in areas with higher crime rates or inclement weather.
  • Type of coverage: Some providers allow you to choose an actual cash value or replacement cost value policy. Replacement cost value plans are more expensive because providers pay more for covered items per insurance claim than actual cash value plans. 

 

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What Does Renters Insurance Cover?

Renters insurance coverage shields policyholders from various covered losses.

  • Additional living expenses: This is also known as loss of use coverage. This type of coverage reimburses you for expenses you incur due to your home becoming uninhabitable. An example of an uninhabitable home is one that has flooded.
  • Liability coverage: Liability coverage covers expenses associated with legal matters or damage you caused to someone’s property. For example, liability coverage would cover the cost of rebuilding your landlord’s fence if you were at fault for the damage.
  • Medical payments to others coverage: This type of coverage reimburses you for bodily injuries that occur within your property to you or a guest.
  • Personal property coverage: Personal property coverage protects your valuables from covered losses, such as fire or wind damage, theft, and vandalism.

 

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What Risks Do Renters in Washington, D.C., Face the Most?

Washington, D.C., experiences inclement weather and other natural disasters. Below is a list of the most common risks renters may face in the nation’s capital.

  • Floods: Flooding is a common risk in the Washington, D.C., area due to its heavy rainfall and close proximity to the Potomac River. Some providers offer coverage for flood damage as an endorsement. We recommend purchasing the amount of flood coverage you need to protect your valuables.
  • Wildfires: Wildfires don’t pose a significant risk for Washington, D.C., renters due to the lack of dense vegetation in the city itself. However, if you live in the northern outskirts of Washington, D.C., consider a renters insurance provider that offers solid fire coverage. There is a higher likelihood of wildfires in that area. 

 

Our Conclusion 

We named Lemonade our top pick for Washington, D.C., renters due to its affordable rates and customizable coverage. State Farm is another solid choice for those who want extra valuables protection. Liberty Mutual is worth considering for budget-conscious renters thanks to its unique discounts. Before signing up, pull quotes from three providers to compare coverage and costs.

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Our Rating Methodology

The Quartz Reviews Team rates providers using comprehensive review standards to score each company. Our review standards compare relevant factors such as cost, coverage, customer experience, technology, and reputation, which tally up to 100 points. In addition, we reviewed provider websites, customer access features, and tools; spoke with representatives; obtained sample quotes and policy terms; analyzed AM Best and JD Power ratings; and reviewed online customer feedback for each provider.

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Washington, D.C

Senators Seek to Change Bill That Allows Military to Operate Just Like Before the DC Plane Crash

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Senators Seek to Change Bill That Allows Military to Operate Just Like Before the DC Plane Crash


Senators from both parties pushed Thursday for changes to a massive defense bill after crash investigators and victims’ families warned the legislation would undo key safety reforms stemming from a collision between an airliner and Army helicopter over Washington, D.C., that killed 67 people.

The head of the National Transportation Safety Board investigating the crash, a group of the victims’ family members and senators on the Commerce Committee all said the bill the House advanced Wednesday would make America’s skies less safe. It would allow the military to operate essentially the same way as it did before the January crash, which was the deadliest in more than two decades, they said.

Democratic Sen. Maria Cantwell and Republican Committee Chairman Sen. Ted Cruz filed two amendments Thursday to strip out the worrisome helicopter safety provisions and replace them with a bill they introduced last summer to strengthen requirements, but it’s not clear if Republican leadership will allow the National Defense Authorization Act to be changed at this stage because that would delay its passage.

“We owe it to the families to put into law actual safety improvements, not give the Department of Defense bigger loopholes to exploit,” the senators said.

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Right now, the bill includes exceptions that would allow military helicopters to fly through the crowded airspace around the nation’s capital without using a key system called ADS-B to broadcast their locations just like they did before the January collision. The Federal Aviation Administration began requiring that in March. NTSB Chairwoman Jennifer Homendy called the bill a “significant safety setback” that is inviting a repeat of that disaster.

“It represents an unacceptable risk to the flying public, to commercial and military aircraft, crews and to the residents in the region,” Homendy said. “It’s also an unthinkable dismissal of our investigation and of 67 families … who lost loved ones in a tragedy that was entirely preventable. This is shameful.”

Senate Majority Leader John Thune said he is looking into the concerns but thinks they can be addressed by quickly passing the aviation safety bill that Cruz and Cantwell proposed last summer.

“I think that would resolve the concerns that people have about that provision, and hoping — we’ll see if we can find a pathway forward to get that bill done,” said Thune, a South Dakota Republican.

The military used national security waivers before the crash to skirt FAA safety requirements on the grounds that they worried about the security risks of disclosing their helicopters’ locations. Tim and Sheri Lilley, whose son Sam was the first officer on the American Airlines jet, said this bill only adds “a window dressing fix that would continue to allow for the setting aside of requirements with nothing more than a cursory risk assessment.”

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Homendy said it would be ridiculous to entrust the military with assessing the safety risks when they aren’t the experts, and neither the Army nor the FAA noticed 85 close calls around Ronald Reagan National Airport in the years before the crash. She said the military doesn’t know how to do that kind of risk assessment, adding that no one writing the bill bothered to consult the experts at the NTSB who do know.

The White House and military didn’t immediately respond Thursday to questions about these safety concerns. But earlier this week Trump made it clear that he wants to sign the National Defense Authorization Act because it advances a number of his priorities and provides a 3.8% pay raise for many military members.

The Senate is expected to take up the bill next week, and it appears unlikely that any final changes will be made. But Congress is leaving for a holiday break at the end of the week, and the defense bill is considered something that must pass by the end of the year.

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Washington, D.C

Bill would rename former Black Lives Matter Plaza for slain conservative activist Charlie Kirk – WTOP News

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Bill would rename former Black Lives Matter Plaza for slain conservative activist Charlie Kirk – WTOP News


A South Carolina Republican Congresswoman wants to rename a well-known stretch of 16th Street NW in D.C. after slain conservative activist Charlie Kirk.

A South Carolina Republican Congresswoman wants to rename a well-known stretch of 16th Street NW in D.C. after slain conservative activist Charlie Kirk.

Rep. Nancy Mace introduced legislation Wednesday to designate the area once known as “Black Lives Matter Plaza” as the “Charlie Kirk Freedom of Speech Plaza.” The proposal comes three months after Kirk was killed while speaking at a free-speech event at a Utah college.

Mace said the change would honor Kirk’s commitment to the First Amendment, calling him “a champion of free speech and a voice for millions of young Americans.” Her bill would require official signs to be placed in the plaza and updates made to federal maps and records.

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In a statement, Mace contrasted the unrest that followed George Floyd’s killing in 2020, when the plaza was created, with the response to Kirk’s death, saying the earlier period was marked by “chaos and destruction,” while Kirk’s killing brought “prayer, peace and unity.”

She argued that after Floyd’s death, “America watched criminals burn cities while police officers were ordered to stand down,” adding that officers were “vilified and abandoned by leaders who should have supported them.”

But D.C. Del. Eleanor Holmes Norton pushed back, saying Congress should not override local control.

“D.C. deserves to decide what its own streets are named since over 700,000 people live in the city,” Norton wrote on X. “D.C. is not a blank slate for Congress to fill in as it pleases.”

The stretch of 16th Street was originally dedicated as Black Lives Matter Plaza in 2020 following nationwide protests over Floyd’s death. Earlier this year, the city removed the mural.

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D.C. Mayor Muriel Bowser’s office declined to comment on the bill, as did several members of the D.C. Council.

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Washington, D.C

Chicago woman testifies about being dragged out of car, detained by federal agents in viral video

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Chicago woman testifies about being dragged out of car, detained by federal agents in viral video


ByABC7 Chicago Digital Team

Wednesday, December 10, 2025 2:09AM

Woman testifies about being dragged out of car by feds in viral video

Chicago woman Dayanne Figueroa testified in Washington, DC about being dragged out of a car by federal agents in a viral YouTube video.

CHICAGO (WLS) — A Chicago woman, who is a U.S. citizen, testified in Washington, D.C. on Tuesday about her experience being dragged out of her car and taken into custody by federal agents.

Dayanne Figueroa told a group of senators that on Oct. 10, she had just dropped off her son at school when an SUV rammed into hers.

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Once she was stopped, she says masked men dragged her out of her car.

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A video posted on YouTube that has been seen more than 42,000 times shows what happened.

Figueroa was one of five U.S. citizens who testified.

Figueroa said she suffered severe bruising, nerve damage and aggravated injuries to her leg.

Copyright © 2025 WLS-TV. All Rights Reserved.



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