Edmonds, WA
Edmonds, WA landlord and rental property insurance
Local rental data and insurance guidance for Edmonds property owners. A quote is not a binder.
Edmonds is home to roughly 42,871 people in Snohomish County, and about 29% of its 18,627 occupied homes are rented rather than owner-occupied, below the Washington rate of 36%. That mix shapes who is buying landlord coverage here and what underwriters expect to see.
Edmonds rental housing by the numbers
| Measure | Edmonds | Washington |
|---|---|---|
| Renter-occupied homes | 29% (5,429) | 36% |
| Median owner-occupied home value | $890,100 | $564,600 |
| Median gross rent | $1,903/mo | $1,760/mo |
| Median year structure built | 1974 | 1985 |
| Homes in 2–4 unit buildings | 6% | 6% |
| Single-family homes (detached or attached) | 64% | 66% |
Data: Census ACS 5-year estimates for 2020–2024 via Census Reporter, and Census Vintage 2024 population estimates.
Setting coverage on a Edmonds rental
Homes in Edmonds carry a median value near $890,100 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.
For context, the NAIC reported that Washington dwelling-fire policies insuring $700,000 to $999,999 averaged $1,964 a year in 2023, against a statewide dwelling-fire average of $886. Those are owner-occupied dwelling-form figures, not landlord quotes.
Fair rental value coverage for Edmonds units
The Census median gross rent for Edmonds, $1,903 per month, is a reasonable starting point for fair rental value. At that rate, 12 months is about $22,836 per unit.
How old Edmonds's housing is, and why it matters
The median Edmonds home was built around 1974. Rentals from that era may still have original panels, aging supply lines, or roofs on a second or third replacement, which are the details underwriters ask about first.
Single-family, small multi-unit, and apartments in Edmonds
Roughly 64% of Edmonds homes are single-family, 6% 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.
How Edmonds compares with nearby Washington markets
Nearby Everett reports 51% renter households and a $565,300 median home value, so proportionally more renters than Edmonds. In Marysville, 31% of occupied homes are rented and the median value is $567,900. Lynnwood has a renter share of 49% with homes valued around $686,900 at the median. By renter share, Edmonds is number 28 on our list of 30 Washington cities. Buildings with five or more units hold about 29% of Edmonds's homes; those generally need commercial apartment coverage rather than dwelling forms.
Edmonds weather exposures that affect landlord claims
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 Edmonds 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.
Your Edmonds quote checklist
- Your existing policy and recent claims
- Lender name for the mortgagee clause
- Liability limit and months of rent to protect
- The Edmonds 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
- Dates of wiring, plumbing, and HVAC upgrades
Request a Edmonds landlord quote
Questions from Edmonds rental owners
What share of Edmonds homes are rentals?
About 29% of occupied homes in Edmonds, roughly 5,429 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do Edmonds landlords have to carry insurance?
Not by statute. In practice, a Edmonds rental with a mortgage will need property coverage, and associations or managers often insist on liability limits.
How much does landlord insurance cost in Edmonds?
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 Edmonds
Landlord insurance in Washington · Cost by state
Last updated October 15, 2026. Sources and method: how we research.