Landlords Insurance Online :: Calculators
SHARE

Share this calculator!

Landlords Insurance Online Landlords Insurance Calculator

Explore your landlord insurance needs with our Landlords Insurance Calculator. Estimate potential insurable amounts for your investment property and test different scenarios using property values, rental income and other relevant costs.

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

Work through the steps to add up replacement values for building components and landlord contents so you don’t underinsure. This is a planning tool only – not a quote or personal advice.

Step 1 of 7

1) Property profile

A few basics for record-keeping and GST display mode.

If strata, confirm what the Owners Corporation insures vs what the landlord must insure.
You can still enter each line item incl. GST or ex-GST and we’ll align it to your chosen display.

2) Building – replacement items

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

Add your major building components (replacement cost, not market value).

3) Landlord contents (non-structural)

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

Only include items you provide as the landlord.

4) Appliances & fixed inclusions

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

Often treated as part of the building sum insured.

5) External structures & site improvements

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

Include any structures you’d need to rebuild after an insured event.

6) Optional limits (planning aids)

These do not change the building/contents sum insured, but help you think about limits such as loss of rent.

Used to suggest a loss-of-rent limit.
Policies vary by insurer and product – this is just a planning estimate.

7) Results

Calculate your recommended sums insured based on the values you entered.

When you’re ready, calculate. Your live summary updates automatically as you type.

Heads-up: Liability, rent default/tenant damage sub-limits, flood cover, and strata vs. landlord responsibilities vary by policy. This tool totals user-entered replacement values and isn’t a quote or advice.

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

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

How to use our Landlords Insurance Calculator

Our Landlords Insurance Calculator helps Australian property investors estimate an appropriate landlords insurance sum insured. Getting the sum insured right matters because underinsurance can leave you out of pocket after a major event, while overinsurance can mean paying for cover you do not need. This calculator is designed to guide your planning for building replacement, landlord contents, and optional limits such as loss of rent, so you can approach quotes with clearer numbers.

How to complete the calculator for the best result

1. Choose your dwelling type

Select the option that most closely matches your rental (for example house, townhouse, unit, or other). This helps you think about which parts you are responsible for insuring, especially if the property is strata titled.

2. Enter property details (optional fields)

Add the property address and financier details if relevant. These fields can help you keep records consistent when you later request a quote, but they do not change the arithmetic of your totals.

3. Select construction and year built

Choose the construction type and approximate year built. Use this as a prompt to consider higher rebuilding costs for older materials, heritage features, or non standard finishes.

4. Choose GST treatment

Select whether to display amounts including GST or excluding GST. For most residential landlords, including GST is more practical when estimating replacement costs from retail pricing.

5. Add replacement items in each section

Work through Building items first, then Landlord contents, then Appliances and fixed inclusions, then External structures. Add items at realistic replacement values, not original purchase prices. Include labour, delivery, installation, and removal of debris where applicable.

6. Set optional limits for loss of rent

Enter weekly rent, then select a loss of rent duration scenario that matches your risk tolerance and likely repair timeframe.

How to interpret the results

1. Recommended totals indicate your estimated sums insured by category based on what you entered.

2. Use the summary as a checklist when comparing landlords insurance policies, noting that cover definitions and sub limits vary by insurer.

3. Treat outputs as estimates only, not a quote or personal advice.

General information only. This guide does not consider your objectives, financial situation, or needs. Consider the relevant policy documentation and seek advice from a licensed insurance adviser or broker if you are unsure.

Share this calculator:


Insurance News

Credit Card Travel Insurance Cuts Create a New Pre-Trip Check
Credit Card Travel Insurance Cuts Create a New Pre-Trip Check
11 Nov 2026: Paige Estritori
Australian travellers who have long relied on credit card travel insurance now have a fresh reason to check their cover before leaving home, with several major banks reducing, restructuring or removing complimentary travel insurance benefits across selected cards. The changes do not mean every cardholder is uninsured, but they do mean past experience is a poor guide to what applies to the next trip. - read more
New WHS figures sharpen the risk picture for tradies
New WHS figures sharpen the risk picture for tradies
11 Nov 2026: Paige Estritori
Safe Work Australia’s latest Key Work Health and Safety Statistics, released on 12 October 2026, provide a fresh reminder that construction remains one of the country’s highest-risk work environments. The national data records 41 construction worker fatalities in 2025 and shows construction accounted for 11.7% of serious workers’ compensation claims in 2024-25, making the figures directly relevant to trade businesses reviewing safety systems, contracts and insurance arrangements. - read more
Mallee Hail Is a Sharp Reminder About Harvest-Time Insurance Gaps
Mallee Hail Is a Sharp Reminder About Harvest-Time Insurance Gaps
10 Nov 2026: Paige Estritori
A damaging hailstorm across Victoria’s Mallee has turned a promising harvest into a difficult insurance and cash-flow test for affected grain growers. ABC Rural reported on 6 November 2026 that hail swept through districts including Birchip, Wycheproof and Quambatook, damaging thousands of hectares of wheat, barley, lentils, canola and other crops just as many paddocks were ready to harvest. - read more
Strata Storm Claim Ruling Puts Defect Exclusions in Focus
Strata Storm Claim Ruling Puts Defect Exclusions in Focus
10 Nov 2026: Paige Estritori
A recent Australian Financial Complaints Authority decision has highlighted a difficult but common issue for strata communities: damage that happens during a storm is not always insured storm damage. The dispute, reported on 5 November 2026, involved an owners corporation claim for a collapsed parapet wall, with the insurer declining cover on the basis that defective design, materials or workmanship were the dominant cause rather than the weather event itself. - read more
Healthcare liability pressure puts clinic renewal evidence in focus
Healthcare liability pressure puts clinic renewal evidence in focus
10 Nov 2026: Paige Estritori
A new Australian healthcare professional liability market update points to a sharper divide between general insurance market conditions and the experience of healthcare organisations arranging malpractice and professional liability cover. Lockton’s 1 November 2026 update says established insurers remain selective, claims inflation is affecting attachment points and underwriters are looking more closely at how clinical governance works in practice, not merely whether accreditation exists. - read more
Click for more Insurance News
Landlords Insurance Articles

How landlord insurance claims generally work in Australia
How landlord insurance claims generally work in Australia
A practical guide to the usual steps involved in making a landlord insurance claim in Australia, including notification, evidence, assessment, excesses, repairs and common reasons claims may be delayed or declined. - read more
Does Your Landlord Insurance Cover Short-Term Rentals Like Airbnb?
Does Your Landlord Insurance Cover Short-Term Rentals Like Airbnb?
In recent years, short-term rentals have exploded in popularity across Australia. Platforms like Airbnb and Stayz have transformed how people approach accommodation, offering unique experiences that hotels often can't match. Whether it's a beachfront apartment in Sydney or a cozy cottage in the countryside, these rentals appeal to a wide range of travellers seeking flexibility and local charm. - read more
Is landlord insurance tax deductible in Australia?
Is landlord insurance tax deductible in Australia?
Australian landlords may be able to claim landlord insurance premiums as a rental property expense when the cover relates to earning rental income. The details can depend on how the property is used, what the policy covers and your individual tax position. - 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

Knowledgebase
Umbrella Policy:
An additional insurance policy that provides extra liability coverage beyond the limits of the insured's primary policies.

Quick Links: | Landlords Insurance | Landlord Insurance Australia | Investment Property Insurance | Rental Property Insurance | Best Landlord Insurance | Landlord Building Insurance | Landlord Insurance Quotes | Landlord Contents Insurance | Compare Landlord Insurance | Cheap Landlord Insurance | Landlord Insurance Online
This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Unique Group Broker Services.
IMPORTANT: We act solely as an introducer and refer enquiries to licensed third-party brokers, insurers, and lenders. We do not provide financial product advice or credit assistance. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should independently verify the credentials and licensing of any adviser or provider you engage. Visit the ASIC website for further information.