Pemco Renters Insurance Review

Rating: 8.8 / 10 (Excellent)
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Based in Washington, PEMCO Mutual Insurance Company offers a wide range of insurance products for residents of the states of Washington and Oregon. Since 1948, the company has provided auto, home, umbrella, earthquake, renters, and many other types of coverage. The company has grown to serve over half a million families across the Northwest.

How is Pemco rated?


Financial Strength
Pricing & Discounts
Customer Experience

Overall Rating: 8.8 / 10 (Excellent)

PEMCO is a solid choice in renters insurance for residents of the Pacific Northwest. The company has strong financials, as well as a long history of vested interest in the region. PEMCO has a good reputation among their customers and 24/7 emergency assistance. Coverage is better than average for renters insurance, and they offer a standard set of useful discounts.

Pemco Coverage

Coverage - 9 / 10

PEMCO's renters coverage includes all the standard items and adds a few extras. For starters, personal property, liability, and loss of use are all covered. Your personal property is also protected when you are away from the house or traveling. Items can be covered at the actual cash value, or you can opt for replacement cost coverage. This is ideal in the event your property is stolen or damaged. A key feature PEMCO offers is Medical Payments to Others Coverage. This will help pay medical bills of any guests injured in your home regardless of who is at fault.
Basic Coverage
Personal Property
Personal Liability
Loss of Use / Additional Living Expenses
Optional Coverage
Off-premises Event Coverage
Property Valuation Methods
Replacement Cost
Actual Cash Value

Pricing & Discounts

Pricing & Discounts - 8 / 10

PEMCO offers all the standard-level discounts for its renters policies. These include discounts for safety and security devices, sprinkler systems, and substantial reductions for not making claims. PEMCO offers an easy and transparent process for obtaining quotes online, but you will have to provide your email and phone number as contact information.
Property-Level Discounts
Burglary Protected
Fire Protection
Sprinkler System
Policy Discounts

Customer Experience

Customer Experience - 9 / 10

PEMCO has an A+ rating with the BBB, though this is based on a total of 4 reviews. By and large, customer reviews in the service area are positive. The company also personally responds to most negative reviews as well, going so far as to publish negative reviews on their own website, which is impressive and certainly non-standard. Other notable customer features are 24/7 operators, online quotes, and online claims.

Customer Ratings

BBB Rating
Number of BBB Positive Reviews
Number of BBB Negative Reviews

National Association of Insurance Commissioners

NAIC Complaint Ratio 2016
NAIC Total Complaints 2016
*The NAIC complaint ratio (in this case 0.0) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Financial Strength Ratings

Financial Strength - 9 / 10

PEMCO carries a B++ (Good) rating from AM Best. The company is the largest locally-based provider of insurance products in the Northwest. As PEMCO has been in operation and growing since midway through the last century, they can be counted on as solid in their claimspaying ability. The company puts particular emphasis on being owned by customers, and therefore they're not beholden to stockholders and Wall Street.
PEMCO Mutual Insurance Co.
AM Best Financial Rating
Company Type
*The above information reflects the financial strength of the underwriter of the Pemco renters insurance policies: PEMCO Mutual Insurance Co..

Contact & Additional Information

Homepage URL
Company Phone
(800) 467-3626
Headquarters Address
1300 Dexter Ave North, Seattle, WA, 98109
Year Founded

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Customer Comments & Reviews

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Angelica H
North Hollywood, California
The best insurance

Top Rated
Our Partner
10 / 10
  • Allstate Renters Insurance as low as $4 a month
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