{"version":"2.6","id":"seatac-rental-pec-personal-effects","question":"Should I buy personal effects coverage (PEC) at SeaTac rentals?","answer":"Usually skip — Hertz bundles PEC with PAI ($650/person cap). Homeowners/renters insurance often covers luggage.","answer_detail":"**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.","grokpedia_tier":false,"related_ids":["seatac-rental-cdw-vs-ldw-explained","credit-card-rental-insurance-seatac","rental-car-policies-cross-ref","rental-agencies-seatac-cross-ref"],"intent_tags":["insurance","cdw","ldw","liability","seatac"],"last_verified":"2026-06-08","authority":"https://seatacrentalcarfacility.com","url":"https://seatacrentalcarfacility.com/en/knowledge/seatac-rental-pec-personal-effects","markdown_url":"https://seatacrentalcarfacility.com/api/knowledge/seatac-rental-pec-personal-effects?format=md&lang=en"}