Insurance Cost
Estimator

DP-3 (Dwelling Property 3) is the most comprehensive landlord insurance policy, covering the structure on an open-perils basis (everything except what is specifically excluded). DP-1 is the most basic (named perils only). Most lenders require at least DP-1, but DP-3 provides significantly better protection for a modest premium increase.

Nationally, landlord insurance averages 15-25% more than a standard homeowner policy. Typical annual premiums range from $800-$2,500 for single-family rentals, but vary enormously by state, property value, age, and claims history. Florida and coastal states can be 2-3x the national average.

The calculator flags properties in flood zones and provides a separate flood insurance estimate. Flood insurance is not included in standard landlord policies and must be purchased separately, typically through the National Flood Insurance Program (NFIP) or private carriers.

Location (state and ZIP code) is the biggest factor, followed by property value, construction type, age of the property, claims history, coverage level, and deductible amount. Properties in hurricane, tornado, or wildfire zones carry significant surcharges.

Yes. Requiring tenants to carry renters insurance protects both parties. It covers their personal property (which your policy does not), provides liability coverage, and reduces claims against your policy. Many investors make it a lease requirement.

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