Operating expenses
Insurance
Annual landlord insurance. Typically 0.3-0.7% of property value for SFR; higher in coastal/storm zones.
Why Insurance matters
Insurance has been the most-moved-against expense in rental investing since 2020. FL/LA/coastal TX up 25-40% in 5 years. Always quote insurance YOURSELF before signing a contract — don't trust the seller's last-year number.
Related terms
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