Abstract. The estimation of annual average earthquake losses in life long period for simple multi-story isolated-based reinforced concrete (RC) frames based stochastic method models is the focus of the article. An innovative seismic fragility methodology is firstly adopted for seismic loss estimation, that damage of the structural and nonstructural which connected into response of the structure and peak diaphragm acceleration under a given stochastic motions use nonlinear incremental dynamic analysis to estimate damage of buildings in a detailed. Description of the uncertainty of all parameters in research through appropriate probability distributions to reach quantification of the life-cycle seismic losses expected value. Moreover, the study is also to give the expected suggested insurance premium of sample buildings in selected areas based Monte-Carlo stochastic simulation in its service lifetime.