Pasco, WA
Rental property insurance for Pasco landlords
What Pasco landlords should know before insuring a rental. A quote is not a binder.
Census estimates put Pasco's renter-occupied share at 29%, or roughly 7,192 of 24,748 occupied homes. Compared with 36% across Washington, that is below average, and it tells you a lot about the local rental stock owners are insuring.
Pasco rental housing by the numbers
| Measure | Pasco | Washington |
|---|---|---|
| Renter-occupied homes | 29% (7,192) | 36% |
| Median owner-occupied home value | $376,300 | $564,600 |
| Median gross rent | $1,227/mo | $1,760/mo |
| Median year structure built | 2001 | 1985 |
| Homes in 2–4 unit buildings | 5% | 6% |
| Single-family homes (detached or attached) | 78% | 66% |
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates (tables B25003, B25077, B25064, B25035, B25024), retrieved via Census Reporter; population from U.S. Census Bureau, Vintage 2024 population estimates.
Insured value and premium context in Pasco
At a median home value of $376,300, Pasco is lower than 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.
For context, the NAIC reported that Washington dwelling-fire policies insuring $350,000 to $399,999 averaged $824 a year in 2023, against a statewide dwelling-fire average of $886. Those are owner-occupied dwelling-form figures, not landlord quotes.
How much rent to protect in Pasco
Median gross rent in Pasco is about $1,227 a month. A year of lost rent at that level is roughly $14,724 per unit, a useful yardstick when you choose fair rental value coverage.
Older vs. newer rentals in Pasco
Much of Pasco's housing went up after 2000. Owners of newer rentals here can usually qualify for broad DP-3 coverage, assuming clean loss history.
Types of rental property in Pasco
About 78% of homes in Pasco are single-family, so most local landlords insure one house at a time. A DP-3 form with liability and loss of rents is the usual starting point; our rental property insurance page explains the parts.
Comparing Pasco to neighboring cities
Seattle has a renter share of 56% with homes valued around $938,600 at the median. Nearby Spokane reports 41% renter households and a $363,500 median home value, so proportionally more renters than Pasco. In Tacoma, 44% of occupied homes are rented and the median value is $479,600. Pasco places 29 of 30 profiled Washington cities by share of rented homes. Roughly 12% of homes in Pasco are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Storm and hazard considerations in Pasco
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 Pasco and the rest of Franklin 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.
Your Pasco quote checklist
- Electrical, plumbing, and heating update years
- Prior carrier, expiration date, and five-year loss history
- Lender name for the mortgagee clause
- Desired liability limit and loss-of-rents amount
- The Pasco address and how many units it has
- Construction year plus the age of the roof
- Occupancy: long-term lease, month-to-month, short-term, or vacant
Request a Pasco landlord quote
Questions from Pasco rental owners
How many renters live in Pasco?
About 29% of occupied homes in Pasco, roughly 7,192 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Pasco?
Not by statute. In practice, a Pasco rental with a mortgage will need property coverage, and associations or managers often insist on liability limits.
What is a typical landlord premium in Pasco?
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.