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Cyber Liability Rent Portfolio Calculator
Cyber risk affects landlord. This calculator sizes exposure.
Expected breach cost
$39,600
Total record exposure
$792,000
Total records held
3,600
How the math works
Total records = units × records/unit. Exposure = records × cost. Expected = exposure × probability.
1,200-unit portfolio with 3 records/unit × $220/record = $792k total exposure. At 5% breach probability = $40k expected annual cost. Cyber insurance at $15-25k/year caps this — positive expected value. Record-keeping hygiene (MFA, backups, employee training) additionally reduces probability.
How to Use
- Enter portfolio unit count.
- Enter tenant records held.
- Enter breach probability %.
- Enter avg cost per record.
- Read expected breach cost.
Frequently Asked Questions
Why landlord?
Landlord stores tenant PII (names, SSN, bank accounts for auto-pay, leases). Breach triggers notification obligations in all 50 states. Costs per record: $150-350 (notification, credit monitoring, legal). Record counts in portfolio matter — 10,000 records × $200 = $2M exposure.
Ransomware?
Attackers encrypt landlord systems. Demand payment for decryption. Average demand: $250k-$2M depending on portfolio size. Plus operational disruption, recovery, consultant costs. 2023-24 saw spike in real estate attacks.
Coverage cost?
Cyber policy: $5k-$50k/year for small portfolio; $75k-$250k/year for mid-market. Coverage: breach response, ransom negotiation, legal fees, credit monitoring, regulatory fines. Cheap relative to breach cost — most landlords now carry.
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