Washington DP-3 landlord checks
- The quote should match the actual rental use, not a generic homeowner profile.
- Vandalism, theft, and tenant damage wording deserve a direct question.
- Ownership name should line up with the deed, lease, and policy evidence.
- For Washington wildfire exposure, document roof material, brush clearance, access roads, and defensible-space work.
- Earthquake coverage in Washington is usually a separate policy or endorsement path, not a default HO-3 assumption.
Rental dwelling checkpoints
| Question | Why it matters |
|---|---|
| Is the property occupied now? | A vacant or renovation property may not qualify for the same quote. |
| What rental income is being protected? | Fair rental value should be visible, not assumed. |
| Are detached structures used by tenants? | Garages, sheds, and shared areas can change the exposure. |
| What inspection evidence is ready? | Photos and maintenance records can reduce back-and-forth. |
Practical note
A Washington landlord quote should be reviewed beside the lease status, ownership name, and recent property photos.