Estimate landlord insurance premiums and coverage for rental property owners and buy-to-let investors.
Annual Premium
$7,330
Estimated yearly cost
Monthly Premium
$611
Annual ÷ 12
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How landlord insurance premiums are calculated
Landlord insurance premiums start with a base rate tied to the property value — roughly $3.40 per $1,000. Multi-unit properties pay a multiplied rate because more units means more tenant interaction and higher liability exposure. Higher annual rent also increases the premium since the potential loss of rental income is greater. Single-unit rental properties pay the base rate without the unit multiplier.
Results are estimates only and should not be considered professional insurance advice. Always consult a licensed insurance advisor before making coverage decisions.