Landlord insurance cost in 2026
Landlord insurance costs $800 to $3,000 per year in 2026, and most people pay about $1,478.
What moves the price
- Where the rental is located matters most, because storm, wildfire and crime risk differ by state.
- A higher dwelling coverage limit and a higher rebuild cost raise the price.
- An older building or an old roof costs more to insure.
- A higher deductible lowers the premium.
- Past claims raise the price at renewal.
- Where you live. Prices in big cities usually run higher than in small towns.
What is included
A landlord policy usually covers the building, other structures and liability if a tenant or guest is hurt. Lost rent cover is often an add on. The tenant's belongings are not covered, so renters need their own policy.
Landlord insurance by property type
| Property type | Cost per year |
|---|---|
| Condo rental | $700 to $1,200 |
| Single family rental | $1,200 to $1,500 |
| Large multi family | $1,500 to $2,500 or more |
Average prices in US dollars. Source: All Property Management.
Landlord insurance by dwelling coverage (DP-3 policy)
| Dwelling coverage | Cost per year |
|---|---|
| $100,000 | $500 to $1,000 |
| $300,000 | $900 to $1,800 |
| $500,000 | $1,400 to $2,800 |
| $1,000,000 or more | $2,500 to $5,000+ |
Average prices in US dollars. Source: All Property Management.
Ways to pay less
- Putting several rentals with one insurer can bring a multi property discount.
- A higher deductible lowers the yearly premium.
- Alarms, sprinklers and a newer roof can cut the price.
- Getting quotes from several insurers and an independent agent helps find a lower rate.
What price guides say
We checked 4 price guides and read every number on their pages. They do not all measure the same thing, so the ranges on this page come from putting them side by side.
- All Property Management: How Much Does Landlord Insurance Cost?
- Steadily: Landlord insurance cost and coverage FAQs
- RentalRealEstate: Landlord Insurance Cost (updated July 2026)
- Stessa: How Much Is Landlord Insurance?
Common questions
How much does this cost in 2026?
Landlord insurance costs $800 to $3,000 per year in 2026, and most people pay about $1,478. Most people pay about $1,478 per year. The low end is $800 and the high end is $3,000.
What changes the price the most?
The biggest factors are: Where the rental is located matters most, because storm, wildfire and crime risk differ by state; A higher dwelling coverage limit and a higher rebuild cost raise the price; An older building or an old roof costs more to insure.
How can I pay less?
Putting several rentals with one insurer can bring a multi property discount. A higher deductible lowers the yearly premium. Alarms, sprinklers and a newer roof can cut the price.
Where do these numbers come from?
From 4 named price guides: All Property Management, Steadily, RentalRealEstate, Stessa. Each one is linked on this page with the date we read it.
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