One of the good things about Tacoma is that it allows non-owner occupied Accessory Dwell Unit (ADU). 

A dwelling in which somebody else will live.

An unoccupied dwelling may still be considered a homesteaded property.

They are all on a business owner policy (fire dwelling) and have an umbrella liability policy.

For example in my particular market one of the neighboring cities allows us to build dethatched dwellings. 

But if it's occupied with working central heat, then it should be covered on a standard Landlord Dwelling policy. 

Check state regs on Unrelated Occupants living in the same dwelling.

If they need time to find another dwelling or they can't move into their new place until 2 months later (sometimes happens with residential RE), then offer them to stay until they have to move (paying rent, or free- whatever it takes).

In order to help alleviate these difficulties, and to enhance his/her ability to live independently and to fully use and enjoy the dwelling unit you own and/or administer, I am prescribing an emotional support animal that will assist [FIRST NAME] in coping with his/her disability.I am familiar with the voluminous professional literature concerning the therapeutic benefits of assistance animals for people with disabilities such as that experienced by [FIRST NAME].

One I have had specific success with is in the RS-3 District, where there is an exemption which would permit you to construct a 2-Unit building instead of a Single Family Residence if you have a lot area of at least 3,000 sq.ft. and if you can prove that 60% or more lots fronting on the same side of the street between the two nearest intersecting streets have been lawfully improved with buildings containing more than one dwelling unit.