Landlord insurance guide
Landlord insurance cost by state
Public premium data for the ten states we serve, from the National Association of Insurance Commissioners, and what turns those averages into a real landlord quote.
Average dwelling-fire premiums by state (2023)
| State | Dwelling-fire avg, all amounts | Under $150,000 | $300,000–$324,999 | HO-3 homeowners avg |
|---|---|---|---|---|
| Washington | $886 | $645 | $889 | $1,232 |
| Oregon | $886 | $594 | $871 | $1,003 |
| Idaho | $671 | $501 | $764 | $1,135 |
| Nevada | $541 | $648 | $517 | $1,013 |
| Arkansas | $571 | $408 | $1,352 | $1,870 |
| Arizona | $636 | $549 | $580 | $1,194 |
| South Dakota | $524 | $364 | $859 | $1,614 |
| Pennsylvania | $539 | $430 | $639 | $1,217 |
| Texas | $1,226 | $866 | $1,933 | $2,864 |
| Indiana | $753 | $614 | $1,030 | $1,259 |
Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4 (published 2026). Report PDF.
How to read these numbers
The NAIC collects dwelling-fire (DW) premiums for one-family, owner-occupied, non-seasonal buildings, and the category mixes narrow DP-1 policies with broad DP-3 policies. Many DW policies also carry no liability coverage. That is why DW averages can sit well below HO-3 averages even though a full landlord policy on the same house often costs as much or more.
The bands matter more than the headline. In every state, average premium rises with the amount of insurance, so compare your building against the band that matches its rebuild cost. Each state page shows all fifteen NAIC bands.
What moves a landlord quote above or below average
- Weather: hail and wind in the Plains and Texas, wildfire in the West, freeze and water in Pennsylvania and Indiana
- Rebuild cost and square footage
- Roof age, electrical, plumbing, and heating updates
- Policy form, liability limit, loss of rents, and deductible
- Occupancy type and vacancy
- Prior claims
State pages
Washington · Oregon · Idaho · Nevada · Arkansas · Arizona · South Dakota · Pennsylvania · Texas · Indiana
Related guides
- Rental property insurance
- Dwelling fire policy (DP-1/2/3)
- Landlord vs. homeowners insurance
- Landlord insurance cost by state
- Duplex & fourplex landlord insurance
Service-area states
Frequently asked questions
Why are these averages lower than quotes I have seen?
The NAIC dwelling-fire category includes basic DP-1 policies, low-value homes, and policies without liability. A DP-3 landlord policy with liability and loss of rents on a typical home is often priced well above the average.
Why does Texas look so different?
Texas has its own filing history and weather profile, with major hail, wind, and Gulf hurricane exposure. Its HO-3 average in the NAIC report was among the highest of our service-area states.
Where can I see the original data?
The figures come from the NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner's Insurance Report: Data for 2023, Table 4.
Last updated October 15, 2026. Sources and method: how we research.