So because the other unoccupied unit has the same number of bedrooms owner occupied might be a no-go, but the SFH (2b, 1ba, w/garage) unit has a larger square footage and garage access, so wondering if we might be able to get use that as a means to occupy that unit.

The #1 driver of the replacement cost (and therefore dwelling coverage) is the square footage. 

You can look up Kate's House Foundation in Washington.

How many square feet is this home?

Find Brandon's videos on YouTube for the "four square" method of analyzing homes and practice.

With [number of bedrooms] bedrooms and [number of bathrooms] bathrooms, this home offers ample space for you and your family.Property Overview:Location: [City, State]Monthly Rent: [Enter the desired monthly rent]Available From: [Enter the date when the property will be available for rent]Key Features:Bedrooms: [Enter the number of bedrooms]Bathrooms: [Enter the number of bathrooms]Square Footage: [Enter the total square footage of the property]Parking: [Enter the availability of parking spaces (e.g., garage, driveway, or street parking)]Laundry: [Enter the laundry facilities available (e.g., in-unit washer and dryer or shared laundry room)]Appliances: [Specify the appliances included (e.g., refrigerator, stove, dishwasher, microwave)]Utilities: [Indicate whether utilities are included or not]Pet-Friendly: [Specify whether pets are allowed or not]Outdoor Space: [Describe any outdoor amenities like a backyard, patio, or garden]Additional Features: [Mention any additional features like hardwood floors, fireplace, or walk-in closets]Property Highlights:Spacious and well-lit interior with [describe any notable architectural details or design elements]Open concept living and dining area, ideal for entertaining guestsFully equipped kitchen with modern appliances and ample cabinet spaceRelaxing master suite with a private bathroom and [mention any unique features][Add any other notable highlights or selling points of the property]Location and Neighborhood:Situated in the heart of [City, State], our home is conveniently located near [mention nearby amenities such as schools, parks, shopping centers, and public transportation options].

I live in Ca, but I’m looking to learn all about Washington state (Seattle) markets. 

Alternatively, a fixed monthly fee based on estimated usage or dividing the bill by square footage occupied could simplify matters, though fairness might vary.

Hi Michael,Are you in the a neighborhood in the actual city of Albany, such as Ten Broeck Center Square, Hudson Park, Pine Hills, or Park South that has 4 unit buildings and can support that type of arrangement without too much concern of negative impact from other tenants?

In that price range, you will likely be looking at 2 or 3 bedroom houses around 1000 square feet.