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âA DP-3 policy might provide replacement cost on the house and theft of contents coverage for your belongings,â says Millar. Expect to pay 15% to 20% more for landlord insurance than you did for homeowners insurance. In recent years the average cost of homeowners insurance was $822 a year. Tack on 20%, and that would put the average annual premium on landlord insurance at about $986. A landlord policy covering a one-year rental for a home in Maine insured for $370,000 and personal property for $10,000 would cost $1,170, for example, says Millar. Expect to pay even more if you allow short-term rentals.
Tell your provider how much the new deck cost to build so that insurance coverage can be added to your policy. If the replacement value for your home is $200,000 and the deck cost $3,000, the policy will be increased to reflect the replacement cost of the new deck. The same holds true for any addition you make to your house whether it be a new garage, dormers or an additional room built on to your home.