Guides
Cost Guides
Cost Guides: practical guides for owners of one-to-four-unit residential rental buildings, written and reviewed by Nate Jones, CPCU.
25 guides in Cost Guides. All guides →
- Cost Guides
What Landlord Insurance Costs in Delaware, Down to the Code
Delaware writes its storm-deductible rule as a list of postal codes rather than a county line. What that does to the cost of insuring a rental here.
- Cost Guides
What Landlord Insurance Costs in Louisiana: Where Rules Live
Louisiana keeps its rental cost answers on different shelves — a statute, an insurance code, a plan’s own manual, a federal map, and nobody’s file.
- Cost Guides
What Landlord Insurance Costs in New Jersey: Two Counts
In New Jersey the carrier, the flood program, the residual plan and two statutes each classify one rental building differently. What that costs an owner.
- Cost Guides
What Landlord Insurance Costs in North Dakota, by Season
A North Dakota rental is priced on dates rather than features — the covering, the melt, the turnover window, and the weeks a unit sits without heat on.
- Cost Guides
What Landlord Insurance Costs in Oregon: The Name on the Form
Oregon shields homeowner insurance from wildfire-map underwriting, then defines that term to leave a rented building out. What the gap does to a price.
- Cost Guides
What Landlord Insurance Costs in Texas When the Wind Moves
On the Texas coast the wind peril moves to a separate policy. Wind-driven rain and loss of use travel with it. The rent is not required to.
- Cost Guides
What Landlord Insurance Costs in Virginia: The Outer Ring
Virginia measures part of a rental building’s standing across everything you hold in the Commonwealth. Here is where the ring around one building stops.
- Cost Guides
What Landlord Insurance Costs in Arizona: The Cure Window
Arizona writes a right to remedy into one article of its insurance code and leaves it out of the next. A door count decides which one your building is in.
- Cost Guides
What Landlord Insurance Costs in Indiana: The Tail You Keep
An Indiana holding period ends on a closing date. Several duties attached to the building do not. Here is what outlives the sale, and what it costs.
- Cost Guides
What Landlord Insurance Costs in Iowa: The Other Paperwork
In Iowa, most of what decides a rental building’s insurance answer was filed for a non-insurance reason, in another office, often in another year.
- Cost Guides
What Landlord Insurance Costs in Maine After an Exemption
Maine switches its deposit chapter off for a resident owner of a small building and leaves three papers standing. What the residue does to a Maine number.
- Cost Guides
What Landlord Insurance Costs in Mississippi’s Coastal Zones
Mississippi names its coast twice, in two chapters, and the shorter county list sits inside the longer one. What that nesting does to a rental’s cost.
- Cost Guides
What Landlord Insurance Costs in Montana: What the Lease Adds
In Montana an amenity written into a lease can move the tenancy out of the statute it was drafted under. What each inclusion does to a placement.
- Cost Guides
What Landlord Insurance Costs in New Hampshire: Who Lives There
New Hampshire keys a landlord’s duties to who occupies each unit, not to the structure — so the classification behind a cost can turn over with a lease.
- Cost Guides
What Landlord Insurance Costs in Pennsylvania When a Date Slips
Pennsylvania prices a rental building the ordinary way. What the Commonwealth adds is a calendar, and one missed date on it takes a whole claim with it.
- Cost Guides
What South Dakota Landlord Insurance Costs, and What Proves It
A South Dakota rental is quoted on what an owner can produce rather than on what an owner says — and the state’s own deposit statute runs that test first.
- Cost Guides
What Landlord Insurance Costs in Wisconsin: How Water Gets In
Water reaches a Wisconsin rental by four routes, and each answers to a different piece of paper. What that does to the cost of insuring a building.
- Cost Guides
What Landlord Insurance Costs in North Carolina: Filed First
North Carolina settles the residential rate through a market-wide filing made by a body that is not your insurer. Here is what it leaves an owner to move.
- Cost Guides
Landlord Insurance Costs in Massachusetts: The Part You Keep
Massachusetts settles a rental building’s cost on two facts about one address: the distance the plan measures to open water, and the deductible chosen.
- Cost Guides
What Landlord Insurance Costs in Nebraska, Deductible First
A Nebraska rental building is not priced by one number. Here is where the movement really sits: the separate placements, the roof answer, the deductible.
- Cost Guides
What Landlord Insurance Costs in Nevada: Three Placements
Nevada ranks three natural hazards highest and a standard property form answers one. What that does to the cost of insuring a rental building here.
- Cost Guides
What Landlord Insurance Costs in Ohio and Why Averages Fail
Ohio law puts three versions of the same policy in the field depending on the county. Here is what that does to a quote, and what to settle first.
- Cost Guides
What Landlord Insurance Costs in Florida: Two Ground Rules
Florida puts one ground-movement coverage on your policy by statute and makes you ask for the other. Only one of them is a cost decision you control.
- Cost Guides
What Landlord Insurance Costs in New York: Ceiling First
On a hard-to-place New York building the binding cost questions are how much cover the address can get and on what basis a loss settles — not the rate.
- Cost Guides
What Actually Sets the Price of Landlord Insurance
There is no published price for landlord insurance. Here is what an underwriter actually weighs when the number is built for one specific building.
A guide explains the drivers; a quote gives the number
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