Landlord Insurance Calculator.
Calculate landlord insurance cover for your investment property. Protect against tenant damage, lost rent, liability, and natural disasters.
Move the sliders or type in the form on the left — the math updates live as you go. Click Get AI verdict when you want a written analysis.
Landlord insurance is essential for property investors — standard home insurance doesn't cover the unique risks of renting. Tenant damage, loss of rent, legal liability, and malicious damage are all risks that ONLY landlord-specific policies cover. The average landlord insurance claim is $3,000-$5,000, but major claims (fire, flood, extensive tenant damage) can reach $50,000+. At $1,200-$2,500/year, it's a tiny fraction of the property's value and fully tax-deductible.
Real-world scenarios
Standard Investment Property
3-bedroom house, rebuild cost $450,000, rented at $550/week, low-risk suburb.
Recommended building cover: $500,000 (includes demolition + rebuild buffer). Loss of rent: 20 weeks × $550 = $11,000. Liability: $20M. Premium estimate: $1,300-$1,800/year. Tax deduction at 37% marginal rate: $481-$666 saving. After-tax cost: $819-$1,134/year.