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 your numbers in — 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.