Bremerton, WA
Landlord insurance in Bremerton, Washington
Local rental data and insurance guidance for Bremerton property owners. A quote is not a binder.
Owners who rent out property in Bremerton, Kitsap County, are working in a market where 52% of occupied homes are rentals. The city counts about 45,291 residents; Washington as a whole has a renter share of 36%.
Census snapshot: Bremerton housing
| Measure | Bremerton | Washington |
|---|---|---|
| Renter-occupied homes | 52% (9,486) | 36% |
| Median owner-occupied home value | $439,400 | $564,600 |
| Median gross rent | $1,641/mo | $1,760/mo |
| Median year structure built | 1969 | 1985 |
| Homes in 2–4 unit buildings | 16% | 6% |
| Single-family homes (detached or attached) | 58% | 66% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
Setting coverage on a Bremerton rental
Homes in Bremerton carry a median value near $439,400 according to the Census, compared with $564,600 statewide. Because land is never rebuilt, many owners find their rebuild estimate differs from that figure in either direction.
If your rental is insured somewhere around Bremerton's median, the closest NAIC benchmark is the $400,000–$449,999 band, where the 2023 Washington dwelling-fire average was $977. The all-amounts state figure was $886.
Fair rental value coverage for Bremerton units
With median gross rent near $1,641 per month, twelve months of interrupted income in Bremerton comes to about $19,692 for a single unit. Multiply by your unit count when you size loss-of-rents coverage.
How old Bremerton's housing is, and why it matters
A median build year of 1969 puts much of Bremerton's rental stock in the 1960s–70s range. Some homes from that period used aluminum branch wiring or now-obsolete panels, so disclose upgrades clearly.
Single-family, small multi-unit, and apartments in Bremerton
Small multi-family buildings are a real part of Bremerton's housing at roughly 16% of units. If you own a duplex, triplex, or fourplex here, read our guide to 2–4 unit buildings.
Bremerton next to other Washington rental cities
For comparison, Seattle comes in at 56% rented and $938,600 median value, with median rent of $2,030. In Spokane, 41% of occupied homes are rented and the median value is $363,500. Tacoma has a renter share of 44% with homes valued around $479,600 at the median. Among the 30 largest Washington cities we profile, Bremerton ranks 5 for renter share. Buildings with five or more units hold about 24% of Bremerton's homes; those generally need commercial apartment coverage rather than dwelling forms.
Bremerton weather exposures that affect landlord claims
Washington landlords generally plan around winter windstorms and heavy rain west of the Cascades, wildfire and smoke in drier eastern counties, and earthquake, which standard dwelling forms exclude unless added. Those exposures apply in Bremerton 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.
What to have ready for a Bremerton quote
- The Bremerton address and how many units it has
- Construction year plus the age of the roof
- How it is occupied today, including any vacancy or short-term use
- Electrical, plumbing, and heating update years
- Current insurer and any losses in five years
- Who holds the loan, for the mortgagee clause
- Liability limit and months of rent to protect
Request a Bremerton landlord quote
Bremerton landlord insurance questions
How many renters live in Bremerton?
About 52% of occupied homes in Bremerton, roughly 9,486 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Bremerton?
Not by statute. In practice, a Bremerton rental with a mortgage will need property coverage, and associations or managers often insist on liability limits.
How much does landlord insurance cost in Bremerton?
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.