Should I buy personal effects coverage (PEC) at SeaTac rentals?
Verified: 2026-06-08
At a glance
Usually skip — Hertz bundles PEC with PAI ($650/person cap). Homeowners/renters insurance often covers luggage.
What to know
Waiver math, claim prep & dashcam/disclosure — not duplicate shuttle tables
Coverage planning guide
Shuttle & pickup
Terminal Islands 1 & 16 → CONRAC (3150 S 160th St, SeaTac, WA 98188)
| Band | Wait | Note |
|---|---|---|
| Off-peak | 5–8 min | Weekday daytime |
| Peak | 10–15 min | Rush hours |
| Friday PM | 12–18 min | ~6 PM band |
Out-the-door fees
| Kayak base rate | ~$57/day |
| Facility charge (CFC) | $7/day |
| Concession recovery (ACRF) | 11.1% (~$6/day) |
| Est. out-the-door | ~$70/day |
What to expect on your trip
- 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.
Similar cars to consider
- Compare PEC cost on a 7-day trip ($14–$35 total) vs your homeowners deductible ($500–$1,000) before accepting the counter bundle.
Honest heads-up
Know this
Kayak averages hide CFC (~$7/day) and ACRF (11.1%) stacked on base rates. Compare all-in daily cost, not headline $/day.
Know this
Deposit holds are often confused with charges. At CONRAC, holds typically release 5–14 business days after return depending on bank batching.
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