Auburn, WA
Landlord insurance in Auburn, Washington
What Auburn landlords should know before insuring a rental. A quote is not a binder.
With an estimated 85,513 residents, Auburn has around 11,981 renter households, about 39% of occupied housing. Statewide, Washington sits at 36%, so Auburn's rental share is above the state figure.
Key housing figures for Auburn, WA
| Measure | Auburn | Washington |
|---|---|---|
| Renter-occupied homes | 39% (11,981) | 36% |
| Median owner-occupied home value | $547,900 | $564,600 |
| Median gross rent | $1,786/mo | $1,760/mo |
| Median year structure built | 1991 | 1985 |
| Homes in 2–4 unit buildings | 10% | 6% |
| Single-family homes (detached or attached) | 57% | 66% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
What home values in Auburn mean for your dwelling limit
At a median home value of $547,900, Auburn is in line with Washington overall ($564,600). Underwriters care about replacement cost rather than sale price, so bring square footage, construction type, and update history to the conversation.
NAIC data for 2023 shows an average Washington dwelling-fire premium of $945 in the $500,000–$599,999 coverage band, which brackets Auburn's median value; across all coverage amounts the state average was $886. Treat it as background, since landlord pricing depends on the building and occupancy.
How much rent to protect in Auburn
Median gross rent in Auburn is about $1,786 a month. A year of lost rent at that level is roughly $21,432 per unit, a useful yardstick when you choose fair rental value coverage.
How old Auburn's housing is, and why it matters
Half of Auburn's homes were built before 1991 and half after. Polybutylene supply lines were installed in some homes from the late 1970s to mid-1990s, and insurers may ask whether they have been replaced.
Auburn's mix of rental buildings
Small multi-family buildings are a real part of Auburn's housing at roughly 10% of units. If you own a duplex, triplex, or fourplex here, read our guide to 2–4 unit buildings.
Comparing Auburn to neighboring cities
Seattle has a renter share of 56% with homes valued around $938,600 at the median. Nearby Bellevue reports 48% renter households and a $1,340,300 median home value, so proportionally more renters than Auburn. For comparison, Kent comes in at 43% rented and $587,800 median value, with median rent of $1,909. Auburn places 21 of 30 profiled Washington cities by share of rented homes. Manufactured and mobile homes make up about 7% of Auburn's housing, and many dwelling programs underwrite those separately. Buildings with five or more units hold about 26% of Auburn's homes; those generally need commercial apartment coverage rather than dwelling forms.
Storm and hazard considerations in Auburn
For rentals in Auburn, the hazards that most often shape Washington landlord coverage include winter windstorms and heavy rain west of the Cascades and wildfire and smoke in drier eastern counties. Ask how your policy handles each, and whether any separate deductible applies.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
What to have ready for a Auburn quote
- When the building went up and when the roof was last replaced
- Lease type and whether the unit is ever empty
- Electrical, plumbing, and heating update years
- Your existing policy and recent claims
- Mortgage company details, if financed
- How much liability and lost rent you want covered
- Property location in Auburn and unit count
Request a Auburn landlord quote
Auburn landlord insurance questions
What share of Auburn homes are rentals?
About 39% of occupied homes in Auburn, roughly 11,981 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do Auburn landlords have to carry insurance?
Washington law does not require landlord insurance, but lenders usually require property coverage, and many leases, HOAs, and property managers require liability coverage.
How much does landlord insurance cost in Auburn?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Washington dwelling-fire average of $886; see our Washington page for the full table.
Other Washington cities
Landlord insurance in Washington · Cost by state
Last updated October 15, 2026. Sources and method: how we research.