Canada version
How it works
Keep building, landlord contents and rental-value allowances separate when comparing a landlord policy quote.
This is the Canada planning view, with monetary inputs and outputs in CAD. A currency label does not establish that a tax rate, construction price, coverage rule or legal limit has been verified locally. The inputs and limitations below describe the actual scope.
Input query strings and outputs
Use an input name in this page’s URL as ?name=value, and join additional inputs with &. Portable shared links may instead use the compact ?ac= state parameter.
Input query strings
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?buildingRebuild=Verified building reinstatement amountMoney · Required · Default: 300,000
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?landlordContents=Landlord-owned contents replacement amountMoney · Required · Default: 20,000
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?monthlyRent=Insured monthly rental valueMoney · Required · Default: 1,800
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?rentMonths=Entered indemnity period, monthsNumber · Required · Default: 12
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?annualPremium=Actual quoted annual premiumMoney · Required · Default: 0
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?annualFees=Annual policy/administration feesMoney · Required · Default: 0
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?monthlyFee=Additional installment fee per monthMoney · Required · Default: 0
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?spreadPercent=Quote sensitivity rangePercentage · Required · Default: 15
Outputs
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propertySumBuilding plus landlord contentsCurrency · Primary output · Currency: CAD
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rentCoverUndiscounted rental-value allowanceCurrency · Currency: CAD
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annualPremiumEntered annual premiumCurrency · Currency: CAD
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annualCostAnnual premium and payment feesCurrency · Currency: CAD
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monthlyEquivalentMonthly equivalent costCurrency · Currency: CAD
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lowLow quote scenarioCurrency · Currency: CAD
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highHigh quote scenarioCurrency · Currency: CAD
Formula
rental-value allowance = insured monthly rental value × entered indemnity months.
Calculations retain numeric precision internally. Displayed values are rounded for readability. Quantities that must be purchased as whole units are rounded up only where the formula explicitly requires it.
Read the inputs before calculating
- Verified building reinstatement amount: Enter the quantity described by the label.
- Landlord-owned contents replacement amount: Enter the quantity described by the label.
- Insured monthly rental value: Enter the quantity described by the label.
- Entered indemnity period, months: Enter the quantity described by the label.
- Actual quoted annual premium: Enter the quantity described by the label.
- Annual policy/administration fees: Enter the quantity described by the label.
- Additional installment fee per month: Enter the quantity described by the label.
- Quote sensitivity range: Enter the quantity described by the label.
Reproducible worked example
The following is a fictional arithmetic example, not a local quote, a verified claimant or a market forecast. Its values are included so the formula can be checked. The form does not automatically confirm any verification checkbox.
| Input | Example value |
|---|---|
| Verified building reinstatement amount | 300,000 |
| Landlord-owned contents replacement amount | 20,000 |
| Insured monthly rental value | 1,800 |
| Entered indemnity period, months | 12 |
| Actual quoted annual premium | 0 |
| Annual policy/administration fees | 0 |
| Additional installment fee per month | 0 |
| Quote sensitivity range | 15 |
| Output | Calculated result |
|---|---|
| Building plus landlord contents | CAD 320,000 |
| Undiscounted rental-value allowance | CAD 21,600 |
| Entered annual premium | CAD 0 |
| Annual premium and payment fees | CAD 0 |
| Monthly equivalent cost | CAD 0 |
| Low quote scenario | CAD 0 |
| High quote scenario | CAD 0 |
Interpreting a changed assumption
Start with one complete scenario and change only one input when diagnosing a difference. Recheck units, the period of every rate, whether an amount is recurring or one-off, and whether a cost is already included elsewhere. A larger calculated benefit is not evidence that an assumption is more likely to occur.
Limitations
- Use actual policy wording, quotes and jurisdiction-specific requirements. This is a planning worksheet, not a coverage recommendation, insurer quote or determination of a payable claim.
- No insurer premium has been entered. The policy is unpriced, not free.
- Low/high figures vary the entered quote; they are not researched market premiums or underwriting predictions.
- Loss-of-rent cover may require insured physical damage and may exclude tenant nonpayment. Liability, tenant contents, vacancy restrictions and indemnity triggers require the actual wording.
Frequently asked questions
What does this Landlord Insurance Planning result represent?
Keep building, landlord contents and rental-value allowances separate when comparing a landlord policy quote. It applies the displayed formula to your inputs; it does not infer omitted facts.
Are the starting amounts verified Canada prices or legal rules?
No. Numeric defaults are illustrative unless an input or dated reference explicitly identifies a researched component. Currency is CAD; local quotes, eligibility and unsupported rules must be entered and verified separately.
What must I check before relying on the result?
Use actual policy wording, quotes and jurisdiction-specific requirements. This is a planning worksheet, not a coverage recommendation, insurer quote or determination of a payable claim.
Can I compare or share different assumptions?
Change one assumption at a time and use the browser-local project or share controls. A shared URL contains the encoded input values; do not include information you do not wish to disclose.
Sources and reference scope
- NAIC consumer insurance resources — retrieved 2026-09-24. US coverage education. Not a quote, underwriting table or a substitute for another country’s regulator.
- NAIC insurance glossary — retrieved 2026-09-24. Terminology only; policy wording and local law govern actual coverage.
These references support only their stated scope. They are not evidence that every local rule or price needed by the master expansion has been loaded.