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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.

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.

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Landlords Insurance Articles

Australian Landlords: How to Simplify Insurance for Your Multiple Rentals
Australian Landlords: How to Simplify Insurance for Your Multiple Rentals
As an Australian landlord, you may be wondering about the ins and outs of landlord insurance. It's crucial to have a solid understanding of this type of insurance to protect your rental properties properly. Landlord insurance is tailored to cover risks that typical home insurance policies might not handle effectively. - 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
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
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
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

Insurance News

Surge in Mental Health Claims Puts Pressure on Australia's Insurance Industry
Surge in Mental Health Claims Puts Pressure on Australia's Insurance Industry
29 Sep 2025: Paige Estritori
Australia's life insurance sector is facing unprecedented challenges as mental health conditions have become the leading cause of total and permanent disability (TPD) claims. Recent data from the Council of Australian Life Insurers (CALI) reveals that mental health issues now account for nearly one-third of all TPD claims paid out. - read more
Rest Super Faces Class Action Over Alleged Wrongful Deduction of Income Protection Premiums
Rest Super Faces Class Action Over Alleged Wrongful Deduction of Income Protection Premiums
29 Sep 2025: Paige Estritori
Shine Lawyers has initiated class action proceedings in the Federal Court against Rest Superannuation, alleging that the fund wrongfully deducted income protection premiums from members' accounts between December 2008 and June 2019. The lawsuit claims that up to 500,000 Rest members may have been affected by these deductions. - read more
ASIC Initiates Legal Proceedings Against RACQ Insurance for Alleged Misleading Premium Notices
ASIC Initiates Legal Proceedings Against RACQ Insurance for Alleged Misleading Premium Notices
29 Sep 2025: Paige Estritori
The Australian Securities and Investments Commission (ASIC) has commenced Federal Court proceedings against RACQ Insurance, a subsidiary of Insurance Australia Group (IAG), alleging that the insurer misled over 570,000 customers through deceptive premium comparison figures in renewal notices issued between September 2019 and December 2024. - read more
Marinex Underwriting: A New Player in Australia's Marine Insurance Landscape
Marinex Underwriting: A New Player in Australia's Marine Insurance Landscape
29 Sep 2025: Paige Estritori
In a significant development for Australia's marine insurance sector, Rhodian Group has announced the launch of Marinex Underwriting, a specialized agency dedicated to addressing the complex insurance needs of the marine industry. This initiative marks Rhodian's third agency launch, following the establishment of Halo Underwriting and Batch Underwriting in previous years. - read more
ASIC Takes Legal Action Against RACQ Insurance Over Misleading Premium Practices
ASIC Takes Legal Action Against RACQ Insurance Over Misleading Premium Practices
29 Sep 2025: Paige Estritori
The Australian Securities and Investments Commission (ASIC) has initiated Federal Court proceedings against RACQ Insurance, a subsidiary of Insurance Australia Group (IAG), alleging that the insurer misled over 570,000 customers through deceptive premium comparison pricing in renewal notices issued between September 2019 and December 2024. - read more

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Knowledgebase
Elimination Period:
The time period between an injury and the receipt of benefit payments from an insurer, particularly in disability insurance.