Insurance Estimate Calculator
Use this free Insurance Estimate calculator to make better property management decisions. Enter your values below to get instant results.
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How to Use This Calculator
- 1 Enter property value
- 2 Enter location/risk factors
- 3 Select coverage type
- 4 Estimate annual premium
- 5 Include in operating expenses
Example Calculation
$300K rental property, average risk
Inputs:
- Value: $300,000
- Type: Landlord policy
Result:
Estimated: $1,200-1,800/year ($100-150/month)
Important Considerations
- • Flood/earthquake separate policies
- • Short-term rentals need special coverage
- • Claims history affects rates
Frequently Asked Questions
Usually 15-25% more than homeowner's. Includes liability, dwelling, lost rent coverage. $1,000-2,000/year typical for SFR.
Dwelling, liability ($1M+), loss of rent, flood if in zone. Consider umbrella policy for portfolio.
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