Yakima, WA
Rental property insurance for Yakima landlords
Coverage for rental homes and 2–4 unit buildings in Yakima, with local Census housing data. A quote is not a binder.
Owners who rent out property in Yakima, Yakima County, are working in a market where 46% of occupied homes are rentals. The city counts about 97,390 residents; Washington as a whole has a renter share of 36%.
Census snapshot: Yakima housing
| Measure | Yakima | Washington |
|---|---|---|
| Renter-occupied homes | 46% (16,489) | 36% |
| Median owner-occupied home value | $297,600 | $564,600 |
| Median gross rent | $1,117/mo | $1,760/mo |
| Median year structure built | 1972 | 1985 |
| Homes in 2–4 unit buildings | 14% | 6% |
| Single-family homes (detached or attached) | 64% | 66% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
Insured value and premium context in Yakima
The median owner-occupied home in Yakima is valued at about $297,600, lower than the Washington median of $564,600. Market value includes land, so it is only a starting point: your dwelling limit should reflect what it would cost to rebuild the structure.
NAIC data for 2023 shows an average Washington dwelling-fire premium of $830 in the $275,000–$299,999 coverage band, which brackets Yakima'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.
How much rent to protect in Yakima
With median gross rent near $1,117 per month, twelve months of interrupted income in Yakima comes to about $13,404 for a single unit. Multiply by your unit count when you size loss-of-rents coverage.
Construction era of Yakima rentals
A median build year of 1972 puts much of Yakima'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.
What Yakima landlords typically own
Two-to-four-unit buildings make up about 14% of Yakima'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.
Yakima next to other Washington rental cities
In Seattle, 56% of occupied homes are rented and the median value is $938,600. Spokane has a renter share of 41% with homes valued around $363,500 at the median. Tacoma has a renter share of 44% with homes valued around $479,600 at the median. By renter share, Yakima is number 12 on our list of 30 Washington cities. Manufactured and mobile homes make up about 5% of Yakima's housing, and many dwelling programs underwrite those separately. Roughly 17% of homes in Yakima are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Weather and property risks for Yakima rentals
For rentals in Yakima, the hazards that most often shape Washington landlord coverage include freezing pipes during cold snaps and winter windstorms and heavy rain west of the Cascades. Ask how your policy handles each, and whether any separate deductible applies.
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 Yakima quote
- Any system updates, with years
- Your existing policy and recent claims
- Mortgage company details, if financed
- Desired liability limit and loss-of-rents amount
- The Yakima address and how many units it has
- Year built and roof age
- How it is occupied today, including any vacancy or short-term use
Request a Yakima landlord quote
Yakima landlord insurance questions
How many renters live in Yakima?
About 46% of occupied homes in Yakima, roughly 16,489 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do Yakima landlords have to carry insurance?
Washington law does not require landlord insurance, but lenders usually require property coverage, and many leases, HOAs, and property managers require liability coverage.
How much does landlord insurance cost in Yakima?
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.