Bothell, WA
Bothell, WA landlord and rental property insurance
What Bothell landlords should know before insuring a rental. A quote is not a binder.
With an estimated 51,770 residents, Bothell has around 6,710 renter households, about 35% of occupied housing. Statewide, Washington sits at 36%, so Bothell's rental share is close to the state figure.
Bothell rental housing by the numbers
| Measure | Bothell | Washington |
|---|---|---|
| Renter-occupied homes | 35% (6,710) | 36% |
| Median owner-occupied home value | $925,100 | $564,600 |
| Median gross rent | $2,346/mo | $1,760/mo |
| Median year structure built | 1992 | 1985 |
| Homes in 2–4 unit buildings | 5% | 6% |
| Single-family homes (detached or attached) | 60% | 66% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
Insured value and premium context in Bothell
Bothell's median home value, roughly $925,100, gives a rough sense of what rentals here are worth; the state median is $564,600. For insurance, ask for a replacement-cost estimate on your specific building.
If your rental is insured somewhere around Bothell's median, the closest NAIC benchmark is the $700,000–$999,999 band, where the 2023 Washington dwelling-fire average was $1,964. The all-amounts state figure was $886.
Loss-of-rents planning in Bothell
Median gross rent in Bothell is about $2,346 a month. A year of lost rent at that level is roughly $28,152 per unit, a useful yardstick when you choose fair rental value coverage.
How old Bothell's housing is, and why it matters
Bothell's median home dates to about 1992. Systems are often on their first or second replacement, so roof age and water heater age carry a lot of weight in pricing.
Types of rental property in Bothell
Roughly 60% of Bothell homes are single-family, 5% sit in small 2–4 unit buildings, and 29% are in larger apartment buildings. Owners of up to four units can generally use a dwelling fire policy.
Bothell next to other Washington rental cities
Nearby Seattle reports 56% renter households and a $938,600 median home value, so proportionally more renters than Bothell. For comparison, Bellevue comes in at 48% rented and $1,340,300 median value, with median rent of $2,572. In Kent, 43% of occupied homes are rented and the median value is $587,800. By renter share, Bothell is number 25 on our list of 30 Washington cities. Manufactured and mobile homes make up about 6% of Bothell's housing, and many dwelling programs underwrite those separately. Roughly 29% of homes in Bothell are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Storm and hazard considerations in Bothell
Washington landlords generally plan around wildfire and smoke in drier eastern counties, earthquake, which standard dwelling forms exclude unless added, and freezing pipes during cold snaps. Those exposures apply in Bothell as much as anywhere in the state, so confirm deductibles and exclusions before you bind.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Getting a landlord quote in Bothell
- When the building went up and when the roof was last replaced
- Lease type and whether the unit is ever empty
- Any system updates, with years
- Prior carrier, expiration date, and five-year loss history
- Who holds the loan, for the mortgagee clause
- How much liability and lost rent you want covered
- Property location in Bothell and unit count
Request a Bothell landlord quote
Questions from Bothell rental owners
What share of Bothell homes are rentals?
About 35% of occupied homes in Bothell, roughly 6,710 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Bothell?
Not by statute. In practice, a Bothell rental with a mortgage will need property coverage, and associations or managers often insist on liability limits.
How much does landlord insurance cost in Bothell?
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.
More landlord pages near Bothell
Landlord insurance in Washington · Cost by state
Last updated October 15, 2026. Sources and method: how we research.