Annual landlord insurance estimate.

Landlord insurance is usually 20-50% more expensive than regular home insurance because rented properties carry higher risk. The policy covers buildings (rebuild cost, not market value), landlord contents (fixtures and carpets - not tenant belongings), public liability (1-5M is standard), and loss of rent if the property becomes uninhabitable. Missing any of these components leaves meaningful exposure.

A 300,000 rebuild-cost property with 24,000 annual rent and 1M liability cover typically runs 900-1,500 per year. At 3 per 1,000 buildings rate, that's 900 buildings premium, plus 50 liability, plus 360 loss of rent cover. Total around 1,310/year or about 5.5% of rental income.

Premium drivers: tenant type (professionals cheapest, students and benefits tenants most expensive), property age (Victorian stock costs 30-60% more), location (flood and subsidence zones), occupancy type (HMO insurance is 2-3x standard), and claims history. Getting three quotes annually typically saves 10-25% vs auto-renewing the same policy.

Run it with sensible defaults

Using property rebuild value of 300,000, annual rent of 24,000, buildings rate per 1,000 of 3, liability cover of 1,000,000, the calculation works out to 1,350.00. Nudge the inputs toward your own situation and the output recalculates instantly. The defaults are meant as a starting point, not a recommendation.

The levers in this calculation

The inputs — Property Rebuild Value, Annual Rent, Buildings Rate per 1,000, Liability Cover, and Contents Cover — do not pull with equal force. Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.

How the math works

Buildings = (rebuild value ÷ 1,000) × rate. Contents = 0.8% of cover. Liability = 0.005% of cover. Loss of rent = 1.5% of annual rent. The working is transparent — you can verify every step yourself in the formula section below. No black box, no opaque "proprietary model".

Using this as a check-in

Re-run this every three months. A single reading tells you where you stand; four readings tell you whether things are improving. The trend matters more than any individual snapshot.

What this doesn't capture

The score is a composite of the inputs you provide. Life context — job security, family obligations, health, housing — doesn't appear in the math but shapes the real picture. Use the number as a prompt, not a verdict.