Everett, WA
Landlord insurance in Everett, Washington
Coverage for rental homes and 2–4 unit buildings in Everett, with local Census housing data. A quote is not a binder.
Owners who rent out property in Everett, Snohomish County, are working in a market where 51% of occupied homes are rentals. The city counts about 113,011 residents; Washington as a whole has a renter share of 36%.
Key housing figures for Everett, WA
| Measure | Everett | Washington |
|---|---|---|
| Renter-occupied homes | 51% (22,792) | 36% |
| Median owner-occupied home value | $565,300 | $564,600 |
| Median gross rent | $1,740/mo | $1,760/mo |
| Median year structure built | 1981 | 1985 |
| Homes in 2–4 unit buildings | 11% | 6% |
| Single-family homes (detached or attached) | 50% | 66% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
Dwelling limits for Everett landlords
Homes in Everett carry a median value near $565,300 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.
NAIC data for 2023 shows an average Washington dwelling-fire premium of $945 in the $500,000–$599,999 coverage band, which brackets Everett'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.
Protecting rental income in Everett
Rents in Everett center on about $1,740 monthly, including utilities where tenants pay them. Many owners plan for a year offline after a serious loss, which works out near $20,880 per unit at the median.
Construction era of Everett rentals
Half of Everett's homes were built before 1981 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.
Everett's mix of rental buildings
Two-to-four-unit buildings make up about 11% of Everett's housing, well above many places. Duplexes and fourplexes can usually stay on dwelling forms; see our duplex and fourplex guide for shared-area and per-unit rent questions.
Comparing Everett to neighboring cities
Nearby Marysville reports 31% renter households and a $567,900 median home value, so proportionally fewer renters than Everett. Edmonds has a renter share of 29% with homes valued around $890,100 at the median. In Lynnwood, 49% of occupied homes are rented and the median value is $686,900. Among the 30 largest Washington cities we profile, Everett ranks 6 for renter share. Roughly 35% of homes in Everett are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Natural hazards Everett landlords plan for
Typical Washington property risks such as wildfire and smoke in drier eastern counties and earthquake, which standard dwelling forms exclude unless added affect owners in Everett and the rest of Snohomish County. Flood and earthquake are excluded from standard dwelling forms and need their own coverage.
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 Everett
- Year built and roof age
- Lease type and whether the unit is ever empty
- Electrical, plumbing, and heating update years
- Prior carrier, expiration date, and five-year loss history
- Lender name for the mortgagee clause
- Liability limit and months of rent to protect
- The Everett address and how many units it has
Request a Everett landlord quote
Everett landlord insurance questions
What share of Everett homes are rentals?
About 51% of occupied homes in Everett, roughly 22,792 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Everett?
No Washington law mandates it for Everett owners, though lenders, HOAs, and property managers commonly require it.
How much does landlord insurance cost in Everett?
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.