Landlord Insurance Cost Calculator
Last updated: July 2026
Estimate an annual landlord insurance budget from dwelling value, an editable base rate, units, liability, loss-of-rent and deductible assumptions.
Estimated annual landlord insurance premium
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- Estimated monthly premium: —
- Base dwelling premium: —
- Unit and coverage additions: —
- Estimated premium per unit: —
On this page
Quick summary: Estimate an annual landlord insurance budget from dwelling value, an editable base rate, units, liability, loss-of-rent and deductible assumptions. Enter the requested values, calculate, review the result, and compare more than one realistic scenario before making a decision.
Read the complete guide
What this calculator estimates
Estimate an annual landlord insurance budget from dwelling value, an editable base rate, units, liability, loss-of-rent and deductible assumptions. It is designed for fast planning and comparison in the United States. The output is an estimate, not a binding quote, approval, tax determination, insurance offer or professional recommendation.
How to use it
Enter the requested values using a single consistent time period and currency. Select Calculate, review the headline result and supporting figures, then change one assumption at a time to compare another scenario.
How the calculation works
Dwelling value is multiplied by an editable rate per thousand dollars. Unit, liability, loss-of-rent and endorsement costs are added and adjusted for deductible and risk.
Important limitations
Actual premiums depend on location, construction, age, claims, occupancy, coverage limits, replacement cost, deductible, catastrophe exposure and insurer underwriting.
Frequently asked questions
Is the result exact?
No. It is a planning estimate based on the assumptions entered.
Can I compare different scenarios?
Yes. Change one input at a time so you can see which assumption changes the result.
Does the calculator store my inputs?
The calculation runs in the browser and does not require an account. Avoid entering unnecessary confidential information.