Get an insurance estimate for your rental property
Use our landlord insurance calculator to get an instant estimate for how much your rental property coverage premium will cost. This calculator provides an estimated quote based on your property's address, year built, replacement cost, type, and square footage. Simply enter your property details and see what your landlord insurance might cost.
Connect with a Steadily sales agent who can help you shop for a policy.
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What does landlord insurance cover?
We cover a wide range of risks, or you can choose a limited set of coverages for a lower premium
Riot & civil commotion
Protect your rental property from damage caused by riots or civil commotion. Steadily’s landlord insurance includes coverage for these rare but costly events.
Vandalism & burglary
Steadily offers landlord insurance coverage for vandalism and burglary damage. Learn what’s included, how it protects your rental property, and get a quote online.
Loss of rent
Landlord insurance from Steadily covers loss of rent due to a covered claim. See coverage details, limits, and get a quote in minutes.
Storm and hail
Landlord insurance from Steadily covers storm, wind, hail, and lightning damage. See coverage details, limits, and get a quote in minutes.
Water
Landlord insurance from Steadily covers common types of water-related damage. Discover coverage details, policy limits, and get a quote in minutes.
Legal liability
Landlord insurance from Steadily covers common types of legal liability claims. Discover coverage details, policy limits, and get a quote in minutes.
Fire
Landlord insurance from Steadily covers common types of fire-related damage. Discover coverage details, policy limits, and get a quote in minutes.
Frequently asked questions
How is landlord insurance calculated?
Landlord insurance premiums are calculated based on several key risk factors related to your rental property. Insurance carriers evaluate the property's location, age, construction type, and replacement cost to determine coverage needs. They also consider occupancy status, claims history, and your selected coverage limits. Additional factors like safety features, distance to fire stations, and local weather patterns can influence your rate. Each insurance company uses its own proprietary algorithm to weigh these variables, which is why quotes vary between carriers. Your final premium will be determined after a full underwriting review by the insurance provider.
Which tends to cost more, landlord or homeowners insurance?
Landlord insurance typically costs about 25% more than homeowners insurance due to increased liability and risk. Rental properties face higher exposure from tenant-caused damage, liability claims, and loss of rental income. Tenants are statistically more likely to file claims than owner-occupants, and rental properties experience greater wear and tear. The additional cost reflects specialized coverages designed specifically for investment property risks that aren't included in standard homeowners policies.
I'm ready to get a quote – what's next?
If you have a rental property and you're curious to see what Steadily's landlord insurance premium will look like for you, all you have to do is enter your property address at the bottom of this page, or on Steadily's homepage. Then, follow a couple easy steps, and you'll get your customized quote in minutes. We can quote rental properties in all 50 U.S. states, and our rates are competitive nationwide.
Get coverage in minutes
No hidden cancellation fees. Competitive rates nationwide.