Landlord Insurance Cost Calculator
Last updated: October 15, 2026
Estimate an annual landlord insurance budget from dwelling value, an editable base rate, units, liability, loss-of-rent and deductible assumptions.
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
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.
Read the complete guide
Updated reference sections in this guide are in English.
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.
How to use it
Enter Insured dwelling value ($); Base annual rate per $1,000 of value ($); Number of rental units; Additional premium per extra unit ($); Liability coverage add-on ($); Loss-of-rent coverage add-on ($); Deductible and risk adjustment (%); Other annual endorsements ($). Select Calculate to update the results.
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.
Worked example: starting scenario
| Insured dwelling value ($) | 450000 |
|---|---|
| Base annual rate per $1,000 of value ($) | 4.25 |
| Number of rental units | 2 |
| Additional premium per extra unit ($) | 325 |
| Liability coverage add-on ($) | 350 |
| Loss-of-rent coverage add-on ($) | 425 |
| Deductible and risk adjustment (%) | 5 |
| Other annual endorsements ($) | 250 |
| Estimated annual landlord insurance premium | $3,425.63 |
|---|---|
| Estimated monthly premium | $285.47 |
| Base dwelling premium | $1,912.50 |
| Unit and coverage additions | $1,350.00 |
| Estimated premium per unit | $1,712.81 |
Important limitations
Actual premiums depend on location, construction, age, claims, occupancy, coverage limits, replacement cost, deductible, catastrophe exposure and insurer underwriting.