Professional services
Landlord Insurance Calculator
Landlord cover for a rental, including loss of rent while it is uninhabitable.
Result
An estimating tool, not insurance advice and not a quote. Underwriting sets real premiums on factors no calculator sees. What cover is appropriate is a question for a licensed broker. A landlord policy is not a homeowners policy: it covers the structure, the landlord's liability and lost rent, but not a tenant's possessions. Requiring tenants to carry renters insurance is standard practice and protects both parties. Short-term letting usually voids a standard landlord policy and needs a specific endorsement.
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About this calculator
Why is landlord insurance more expensive?
Tenanted property carries higher claim frequency and the policy adds loss of rent cover. It is typically 15% to 25% above an equivalent owner-occupied policy.
Does it cover short-term letting?
Usually not. Standard landlord policies contemplate a long-term tenancy, and short-term rental activity commonly voids cover unless specifically endorsed.
The formula
premium = dwelling cover / 1000 x rate + loss of rent cover + liability, less deductible credit
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