Washington
Landlord insurance in Washington
Costs, coverage, and local rental data for Washington property owners. A quote is not a binder.
Washington has about 1,110,043 renter-occupied homes, 36% of all occupied housing. The median owner-occupied home is valued at $564,600 and median gross rent is $1,760 a month (ACS 2020–2024). This page covers what landlord insurance costs in Washington, what moves a quote, and local pages for the largest rental markets.
What landlord insurance costs in Washington
The NAIC's average dwelling-fire premium in Washington was $886 in 2023, which ranks 2 of the ten states we serve (highest first). The Washington HO-3 homeowners average was $1,232. Dwelling-fire figures mix basic and broad forms and are collected for owner-occupied one-family homes, so use them as background rather than a quote.
| Amount of dwelling insurance | Washington average dwelling-fire premium (2023) |
|---|---|
| Under $150,000 | $645 |
| $150,000–$199,999 | $702 |
| $200,000–$224,999 | $746 |
| $225,000–$249,999 | $797 |
| $250,000–$274,999 | $817 |
| $275,000–$299,999 | $830 |
| $300,000–$324,999 | $889 |
| $325,000–$349,999 | $820 |
| $350,000–$399,999 | $824 |
| $400,000–$449,999 | $977 |
| $450,000–$499,999 | $865 |
| $500,000–$599,999 | $945 |
| $600,000–$699,999 | $1,119 |
| $700,000–$999,999 | $1,964 |
| $1,000,000 and over | $795 |
| All amounts (state average) | $886 |
Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4 (published 2026). View the report (PDF). Consumer resources: Washington Office of the Insurance Commissioner.
What moves your landlord quote in Washington
- Weather exposure: winter windstorms and heavy rain west of the Cascades; wildfire and smoke in drier eastern counties; earthquake, which standard dwelling forms exclude unless added; freezing pipes during cold snaps.
- Rebuild cost: NAIC averages above climb consistently with the amount of insurance.
- Building age and systems: the median Washington home was built in 1985; roof, wiring, plumbing, and heating updates matter.
- Building type: 6% of Washington homes are in 2–4 unit buildings and 66% are single-family.
- Occupancy: long-term, short-term, student, or vacant.
- Policy choices: DP-1 vs. DP-3, liability limit, loss of rents, deductible, and any wind or hail deductible.
- Claims history on the property and for the owner.
Largest Washington rental markets
- Seattle 56% renters · median value $938,600
- Spokane 41% renters · median value $363,500
- Tacoma 44% renters · median value $479,600
- Vancouver 49% renters · median value $462,400
- Bellevue 48% renters · median value $1,340,300
- Kent 43% renters · median value $587,800
- Everett 51% renters · median value $565,300
- Spokane Valley 42% renters · median value $382,300
- Renton 46% renters · median value $672,600
- Federal Way 45% renters · median value $552,800
- Yakima 46% renters · median value $297,600
- Bellingham 55% renters · median value $627,500
- Kirkland 39% renters · median value $1,115,400
- Kennewick 39% renters · median value $370,700
- Auburn 39% renters · median value $547,900
- Redmond 57% renters · median value $1,167,800
- Pasco 29% renters · median value $376,300
- Marysville 31% renters · median value $567,900
- Sammamish 17% renters · median value $1,407,300
- Shoreline 34% renters · median value $811,100
- Richland 36% renters · median value $436,700
- Lakewood 52% renters · median value $461,200
- Lacey 44% renters · median value $457,100
- Olympia 50% renters · median value $486,200
- Burien 43% renters · median value $638,800
- Bothell 35% renters · median value $925,100
- Bremerton 52% renters · median value $439,400
- Edmonds 29% renters · median value $890,100
- Puyallup 48% renters · median value $551,800
- Lynnwood 49% renters · median value $686,900
Coverage guides for Washington landlords
- Rental property insurance
- Dwelling fire policy (DP-1/2/3)
- Landlord vs. homeowners insurance
- Landlord insurance cost by state
- Duplex & fourplex landlord insurance
Other Washington communities we serve
We accept quote requests for rentals anywhere in Washington, including these communities, grouped by county.
Adams County: Hatton, Lind, Othello, Ritzville, Washtucna
Asotin County: Asotin, Clarkston
Benton County: Benton City, Prosser, West Richland
Chelan County: Cashmere, Chelan, Entiat, Leavenworth, Wenatchee
Clallam County: Forks, Port Angeles, Sequim
Clark County: Battle Ground, Camas, La Center, Ridgefield, Washougal, Yacolt
Columbia County: Dayton, Starbuck
Cowlitz County: Castle Rock, Kalama, Kelso, Longview, Woodland
Douglas County: Bridgeport, East Wenatchee, Mansfield, Rock Island, Waterville
Ferry County: Republic
Franklin County: Connell, Kahlotus, Mesa
Garfield County: Pomeroy
Grant County: Coulee City, Electric City, Ephrata, George, Grand Coulee, Hartline, Krupp, Mattawa, Moses Lake, Quincy, Royal City, Soap Lake, Warden, Wilson Creek
Grays Harbor County: Aberdeen, Cosmopolis, Elma, Hoquiam, McCleary, Montesano, Oakville, Ocean Shores, Westport
Island County: Coupeville, Langley, Oak Harbor
Jefferson County: Port Townsend
King County: Algona, Beaux Arts Village, Black Diamond, Carnation, Clyde Hill, Covington, Des Moines, Duvall, Enumclaw, Hunts Point, Issaquah, Kenmore, Lake Forest Park, Maple Valley, Medina, Mercer Island, Newcastle, Normandy Park, North Bend, Pacific, SeaTac, Skykomish, Snoqualmie, Woodinville, Yarrow Point
Kitsap County: Bainbridge Island, Port Orchard, Poulsbo
Kittitas County: Cle Elum, Ellensburg, Kittitas, Roslyn, South Cle Elum
Klickitat County: Bingen, Goldendale, White Salmon
Lewis County: Centralia, Chehalis, Morton, Mossyrock, Napavine, Pe Ell, Toledo, Vader, Winlock
Lincoln County: Almira, Creston, Davenport, Harrington, Odessa, Reardan, Sprague, Wilbur
Mason County: Shelton
Okanogan County: Brewster, Conconully, Coulee Dam, Elmer City, Nespelem, Okanogan, Omak, Oroville, Pateros, Riverside, Tonasket, Twisp, Winthrop
Pacific County: Ilwaco, Long Beach, Raymond, South Bend
Pend Oreille County: Cusick, Ione, Metaline, Metaline Falls, Newport
Pierce County: Bonney Lake, Buckley, Carbonado, DuPont, Eatonville, Edgewood, Fife, Fircrest, Gig Harbor, Milton, Orting, Roy, Ruston, South Prairie, Steilacoom, Sumner, University Place, Wilkeson
San Juan County: Friday Harbor
Skagit County: Anacortes, Burlington, Concrete, Hamilton, La Conner, Lyman, Mount Vernon, Sedro-Woolley
Skamania County: North Bonneville, Stevenson
Snohomish County: Arlington, Brier, Darrington, Gold Bar, Granite Falls, Index, Lake Stevens, Mill Creek, Monroe, Mountlake Terrace, Mukilteo, Snohomish, Stanwood, Sultan, Woodway
Spokane County: Airway Heights, Cheney, Deer Park, Fairfield, Latah, Liberty Lake, Medical Lake, Millwood, Rockford, Spangle, Waverly
Stevens County: Chewelah, Colville, Kettle Falls, Marcus, Northport, Springdale
Thurston County: Bucoda, Rainier, Tenino, Tumwater, Yelm
Wahkiakum County: Cathlamet
Walla Walla County: College Place, Prescott, Waitsburg, Walla Walla
Whatcom County: Blaine, Everson, Ferndale, Lynden, Nooksack, Sumas
Whitman County: Albion, Colfax, Colton, Endicott, Farmington, Garfield, LaCrosse, Lamont, Malden, Oakesdale, Palouse, Pullman, Rosalia, St. John, Tekoa, Uniontown
Yakima County: Grandview, Granger, Harrah, Mabton, Moxee, Naches, Selah, Sunnyside, Tieton, Toppenish, Union Gap, Wapato, Zillah
Washington landlord insurance FAQ
Is landlord insurance required in Washington?
No Washington statute requires landlords to insure a rental, but mortgage lenders typically require property coverage and many leases and associations require liability coverage.
What does landlord insurance cost in Washington?
The NAIC reported a 2023 Washington average dwelling-fire premium of $886, compared with $1,232 for HO-3 homeowners policies. Averages rise with the amount of insurance, as shown in the table above. Your quote depends on the building, location, coverage, and deductible.
Who regulates insurance in Washington?
The Washington Office of the Insurance Commissioner licenses insurers and agents and publishes consumer guides and complaint tools.
Does a Washington landlord policy cover flood?
No. Standard dwelling forms exclude flood from surface water. Flood coverage is purchased separately, for example through the National Flood Insurance Program or a private flood policy.
Sources
- NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4 (published 2026)
- U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates (tables B25003, B25077, B25064, B25035, B25024), retrieved via Census Reporter
- U.S. Census Bureau, Vintage 2024 population estimates
- FEMA National Risk Index
- Washington Office of the Insurance Commissioner
Request a Washington landlord quote
Last updated October 15, 2026. Sources and method: how we research.