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Landlord Insurance Cost Calculator
Rental property requires DP-3 dwelling policy, not homeowners — different coverage and pricing.
Annual premium
$2,175
Monthly premium
$181
Loss of rent limit
$26,400
How the math works
Base = (dwelling / 1000) × rate. Add liability premium. Loss of rent = months × monthly rent.
$350k / 1k × $5.50 = $1,925 + $250 liability = $2,175/yr. Loss of rent: 12 × $2,200 = $26,400 limit.
How to Use
- Enter dwelling coverage.
- Enter rate per $1k dwelling.
- Enter liability coverage.
- Enter loss of rent months.
- Enter monthly rent.
- Read annual premium.
Frequently Asked Questions
DP-3 vs HO-3?
DP-3 (Dwelling Form 3): rental property version. Open perils on dwelling, named perils on contents. Replacement cost on dwelling. ACV on contents (limited). Loss of use becomes 'fair rental value' for landlord (lost rent). Liability: $300k–$1M. Premium: 20–30% higher than HO-3 owner-occupied. STR/Airbnb: needs commercial-classified policy (Proper, Slice, GuardHog) or hospitality endorsement. Section 8 / regulated rentals: standard DP-3 fine. Tenant coverage: requires renters policy, not landlord's responsibility.
How is this insurance cost determined?
Property and liability insurance pricing depends on construction class, occupancy class, sprinkler/alarm, location (CAT exposure: hurricane, earthquake, flood, wildfire), claims history, deductibles, and policy limits. Hard market 2022–2025: rates +20–60%, capacity tighter, deductibles higher. Soft market typical 2010–2019: stable to declining. Underwrite for cycle.
Coverage adequacy?
Property: replacement cost vs ACV, coinsurance penalty if under-insured (80–100% requirement). Business interruption: 12–24 months typical, period of restoration triggers. General liability: $1–2M/$2–4M, umbrella to $5–25M depending on occupancy. Pollution legal liability: critical for environmental-risk assets. Builders risk for construction. Match coverage to actual exposure.
Deductible strategy?
Higher deductibles save 5–25% on premium but require risk capital. Wind/hail named storm deductibles: 2–10% of TIV in CAT zones. All-other-perils: $5–25k typical. Self-insured retention (SIR) for sophisticated operators: $50k–500k. Captive insurance: $1M+ minimum, complex but effective for portfolios. Match deductible to financial strength and risk tolerance.
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