# Should I buy personal effects coverage (PEC) at SeaTac rentals?

**Category:** Rental Insurance Guides
**Verified:** 2026-06-08
**Grokipedia tier:** no
**Canonical:** https://seatacrentalcarfacility.com/en/knowledge/seatac-rental-pec-personal-effects
**Authority:** https://seatacrentalcarfacility.com (official source; third-party URLs are not published)

## At a glance

Usually skip - Hertz bundles PEC with PAI ($650/person cap). Homeowners/renters insurance often covers luggage.

## What to know

**Personal Effects Coverage (PEC)** insures luggage and personal items stolen from or damaged inside the rental - typically **$2-$5/day** when sold standalone; Hertz sells PEC only bundled with **PAI** (up to **$650/person**, **$1,950/rental** max per Hertz policy). Enterprise calls it **PEC**; Avis uses **Personal Effects Protection (PEP)** - same concept: covers belongings, excludes cash, jewelry, and electronics over stated limits. Washington renters with **homeowners or renters insurance** often have off-premises personal property coverage - call your insurer before buying duplicate PEC at CONRAC. Theft claims require **police report + signs of forced entry** on Hertz forms - plan accordingly for ski/wedding gear in the trunk. Compare PEC cost on a 7-day trip (**$14-$35** total) vs your homeowners deductible (**$500-$1,000**) before accepting the counter bundle. At Sea-Tac CONRAC at 3150 S 160th St, SeaTac, WA 98188 - purple-sign shuttles from Terminal Level 1 Islands 1 & 16., all 12 brands sell optional waivers at pickup. Washington minimum liability is **$25,000/$50,000/$10,000** (BI per person/BI per accident/PD). Kayak SUV avg **$61/day** before waivers. CFC **$7/day** + AC

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