# 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 + ACRF 11. 1% apply regardless of insurance choice.

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