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Landlords Insurance Online Landlords Insurance Calculator

Estimate your landlords insurance needs with our Landlords Insurance Calculator. Calculate the right levels of cover to protect your property and secure your financial livelihood.

Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.

Landlords Insurance – Sum Insured Calculator

Add up the replacement value for your rental’s building components and landlord contents so you don’t underinsure. The tool also helps you consider optional limits like loss of rent. It produces a neat JSON summary you can submit with a quote request.

Most residential landlords are not GST‑registered; commercial property may differ.

Building – replacement items

Structure, fixed fixtures and external improvements. If a strata unit, building may be covered by the Owners Corporation – check first.

Landlord contents (non‑structural)

Carpets, curtains/blinds, light fittings, freestanding appliances (fridge/washing machine if provided), furniture (for furnished lets), window A/C, outdoor settings.

Appliances & fixed inclusions

Built‑in oven/cooktop, rangehood, dishwasher, ducted A/C units, hot water system, smoke alarms, solar, security systems.

External structures & site improvements

Garage/carport, sheds, pergolas/decks, fences/gates, paths/driveways, retaining walls.

Optional limits (not part of building/contents sum insured)

Used to suggest a loss‑of‑rent limit.
Policies vary – this is just a planning aid.

Calculator outputs are estimates only and do not constitute quotes. Actual quotes will be provided by a licensed broker after you submit an enquiry.

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Landlords Insurance Articles

What Does Your Landlord Insurance Truly Cover? A Comprehensive Guide
What Does Your Landlord Insurance Truly Cover? A Comprehensive Guide
Landlord insurance is a specialized type of insurance designed to protect property owners from potential risks associated with renting out their property. Unlike standard home insurance, which typically covers owner-occupied residences, landlord insurance offers tailored coverage that addresses the unique challenges faced by landlords. - read more
Is Landlord Insurance Mandatory in Australia? What Every Landlord Should Know
Is Landlord Insurance Mandatory in Australia? What Every Landlord Should Know
Landlord insurance is a specialized type of insurance designed to protect property owners who rent out their properties. While standard home insurance covers owner-occupied homes, landlord insurance provides additional coverage for risks associated with tenants. This includes protection against damages to the property, loss of rental income, and liability claims arising from tenant-related incidents. - read more
Understanding the Key Factors That Influence Landlord Insurance Premiums in Australia
Understanding the Key Factors That Influence Landlord Insurance Premiums in Australia
Landlord insurance is a specialized type of insurance designed to protect property owners who lease their homes or units to tenants. Unlike standard home insurance, which primarily covers owner-occupied properties, landlord insurance includes coverage tailored for the risks associated with rental properties. - read more
The Key Differences Between Landlord and Homeowners Insurance
The Key Differences Between Landlord and Homeowners Insurance
As a property investor, understanding the different types of insurance available is crucial. Whether you're a seasoned landlord or just starting, having the right coverage can safeguard your investment and provide peace of mind. With various options out there, knowing which insurance policies to choose can make all the difference in protecting your assets. - read more
Understanding Landlord Insurance: Does It Cover Tenant Damage?
Understanding Landlord Insurance: Does It Cover Tenant Damage?
Landlord insurance is a specialized type of insurance designed to protect property owners who rent out their properties. It covers a range of risks that landlords face, including damage to the property, loss of rental income, and liability for injuries that may occur on the premises. - read more

Insurance News

Australian Life Insurance Premiums Set for 1.7% Growth in 2025
Australian Life Insurance Premiums Set for 1.7% Growth in 2025
18 Dec 2025: Paige Estritori
According to a recent report by Swiss Re, Australia's life insurance market is projected to experience a 1.7% real growth in premiums in 2025. This anticipated increase is attributed to easing cost-of-living pressures and the repricing of disability income policies. - read more
TAL's Health Sense Plus Now Covers Income Protection Policies
TAL's Health Sense Plus Now Covers Income Protection Policies
18 Dec 2025: Paige Estritori
In a significant development for policyholders, TAL has expanded its Health Sense Plus program to encompass income protection (IP) policies. This initiative, effective from August 8, 2025, aims to incentivize proactive health management by offering premium discounts to clients who engage in preventive health checks. - read more
Pelagic Risk Services Strengthens Commitment to Marinas with Gold Sponsorship
Pelagic Risk Services Strengthens Commitment to Marinas with Gold Sponsorship
18 Dec 2025: Paige Estritori
In a significant move to bolster support for the marina industry, Pelagic Risk Services has elevated its sponsorship status from Silver to Gold with the Marina Industries Association (MIA). This advancement underscores Pelagic's dedication to enhancing the operational capabilities and risk management strategies of marina operators across Australia. - read more
Australian Insurers Falling Behind in Cyber and AI Risk Readiness
Australian Insurers Falling Behind in Cyber and AI Risk Readiness
18 Dec 2025: Paige Estritori
In an era where digital threats are escalating, Australian insurers are reportedly less prepared to manage risks associated with cyber threats and artificial intelligence (AI) compared to their global counterparts. This insight emerges from the latest PwC Insurance Banana Skins Survey, which assesses the industry's readiness to tackle emerging challenges. - read more
Australian Insurance Market Set for Significant Growth by 2029
Australian Insurance Market Set for Significant Growth by 2029
18 Dec 2025: Paige Estritori
Australia's general insurance market is on a trajectory of steady expansion, with projections indicating that total direct written premiums (DWP) will reach $144.5 billion by 2029. This growth reflects a compound annual growth rate (CAGR) of 8.8%, as analysed by data and analytics firm GlobalData. - read more
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Knowledgebase
Double Indemnity:
A clause or provision in a life insurance policy that doubles the payout in cases of accidental death.

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