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★★★★★
"First-time homeowner — got my insurance sorted before closing with no stress."
Tom H.
Nashville, TN
Rental Property Insurance for Landlords in Washington
Compare Washington landlord insurance — protect your rental income and investment.
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About Rental Property in Washington
Washington's strong rental market — especially in the Seattle-Tacoma metro — makes landlord insurance (DP-3) essential for property investors. Standard homeowners insurance won't cover a property you don't occupy, and claims made under a homeowners policy for a rental can be denied.
DP-3 policies cover the dwelling structure, your fixtures and appliances, liability, and lost rental income if a covered event makes the property uninhabitable. In Seattle's high-rent market, lost rental income coverage is particularly valuable — a month of vacancy during repairs can cost $2,000–$4,000.
Rates in Washington vary by property type and location. Seattle rental properties cost more to insure than eastern WA. Comparing 3–5 carriers typically reveals 20–30% rate differences for identical coverage.
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Frequently Asked Questions
What does landlord insurance cover in Washington?
Dwelling structure, fixtures, liability, and lost rental income from covered events. Does not cover tenant belongings — that's their renter's insurance.
How much is landlord insurance in Washington?
Typically $48–$95/month per property depending on value and location. Seattle properties are higher than eastern WA.
Can I use homeowners insurance for my WA rental?
No. If you don't live in the property, a homeowners policy won't cover claims. Landlord (DP-3) insurance is required for rental properties.
Does landlord insurance cover tenant damage?
Covered perils (fire, storms, vandalism) are included. Normal wear-and-tear and intentional damage are not. Your lease deposit and tenant's renter's insurance cover those.
Is lost rent covered in Washington landlord insurance?
Yes. Fair rental income coverage reimburses lost rent during repairs from covered events. Coverage limits vary by policy.
What customers say
★★★★★
"Bundled home and auto and saved almost $400/year. Wish I'd done it sooner."
Diane M.
Portland, OR
★★★★★
"Compared condo insurance plans side by side. Never realized how much rates vary between carriers."
Marcus J.
Boston, MA
