Landlord Insurance

Could you Save Money when you Compare Landlord Insurance Quotes?

  • Cheap Landlord Insurance Quotes
  • Flexible & Pay Monthly Schemes

  • Compare Several Specialist UK Brokers

total insurance start rating

What is Landlord Insurance?

Landlord insurance is a type of insurance policy designed specifically for landlords who rent out their properties in the UK. This type of insurance can provide valuable protection for landlords against risks and damages that may occur in their rental properties.

Policies typically include two main types of cover: buildings insurance and contents insurance. Landlord buildings insurance provides cover for the structure of the property, including fixtures and fittings, against damage caused by events such as fire, flood, storm, and subsidence. Landlord contents insurance on the other hand, covers the landlord’s belongings, such as furniture and appliances, that are used by tenants.

In addition to buildings and contents insurance, landlord insurance policies may also provide other types of cover, such as liability insurance, which can protect landlords against legal claims made by tenants or third parties who are injured on the property. Rent guarantee insurance is another type of cover that may be included, which provides compensation to landlords if tenants are unable to pay rent.

It’s important for landlords to carefully review and compare different landlord insurance policies to ensure they are getting the right coverage for their needs. Policies can vary significantly in terms of the level of coverage they offer, the premiums charged, and the exclusions and conditions that apply.

Compare Landlord Insurance Quotes

We know how difficult comparing policies can be. That’s why our trained team are here to help you find dedicated brokers who want to quote you.

Our service is free and impartial with no obligation to buy.

Landlord Insurance

What our Comparison Expert Says

‘When it comes to comparing insurance for landlords, our team have you sorted! It’s crucial to make sure you have correct insurance for your investment but there’s no need to pay more than you need to. Our agents will connect you with landlord insurance brokers who can insure any type of property!’

How our process works

We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.

Who Needs Landlord Insurance?

If you own a property and rent it out, whether it’s a single property or multiple properties, it’s important to consider getting landlord insurance. This includes buy-to-let landlords, professional landlords and accidental landlords who may have inherited or have to rent out a property due to circumstances.

It’s important to note that standard home insurance policies typically do not cover rental properties. Landlord insurance provides more comprehensive cover that is tailored to the specific needs of landlords.

Additionally, if you have a mortgage on your rental property, your lender may require you to have a landlord policy as a condition of the mortgage agreement.

Property Liability Cover for Landlords

Property owners liability insurance is a type of cover that can be included in a landlord insurance policy. It provides protection for landlords against legal claims made by tenants or third parties who are injured on the rental property.

This cover is designed to provide financial protection in the event that a tenant or visitor is injured on the property and holds the landlord responsible for the injury. It can also provide cover for damage caused by the landlord’s negligence, such as a fire or flood that is caused by faulty wiring or plumbing.
Property owners liability insurance typically covers legal fees and expenses associated with defending against a claim or settling a claim that is made against the landlord. It can also cover compensation that is awarded to the claimant, up to the limit of the policy.

It’s important for landlords to carefully review the terms and conditions of their landlord insurance policy, including any exclusions or limitations related to property owners liability insurance. Landlords should also consider the potential financial impact of a claim and the cost of the insurance premium when deciding whether to include this coverage in their policy.

What Does Landlord Insurance Cover?

Landlord insurance is designed to provide coverage for risks that are specific to rental properties. The coverage can vary depending on the specific policy and the insurance provider, but typically includes the following.

What Is Loss Of Rental Insurance?

Loss of rental insurance, also known as rent guarantee insurance, is a type of cover that can be included in a landlord insurance policy. It provides protection for landlords against the loss of rental income if tenants are unable to pay their rent for reasons such as job loss or financial hardship.

This policy addon typically pays out a monthly rental income to the landlord for a specified period, which is usually up to 12 months. Some policies may also cover the legal fees associated with evicting tenants or recovering rent owed.

Having loss of rental income cover is particularly valuable to landlords who require that rental income to pay the mortgage on the property. Both residential and commercial landlords who financial require their rent payments on time should consider this as an addon to their quote.

How Much Does Landlord Insurance Cost?

The cost of landlord insurance will vary depending on a number of factors, including the size of the property, its location, the level of coverage required and even the type of tenants.

Depending on the level of coverage and the specific needs of the landlord some policies may be more expensive, especially if they include additional coverage such as loss of rental income or legal expenses.

Landlords can compare quotes provided by an experienced insurance broker to get a better idea of how much their specific policy will cost. It’s important for landlords to carefully review the terms and conditions of their policy, including any exclusions or limitations, to make sure they have the right level of coverage for their needs.

It’s also important to note that the cost of landlord insurance should be factored into the overall costs of owning a rental property. While it may be an additional expense, it can provide valuable protection and peace of mind in the event that unexpected events occur.

How Can I Save On Landlord Insurance?

Acting as a landlord, whether you have a single property or portfolio of properties can generate a valuable income, but it can also be expensive.

Frequently Asked Questions

Your ability to get cheap landlords insurance will depend entirely on the properties, the type of tenant you intend to have and you own risk profile.

Typically though, insurance for let properties is usual inexpensive. Providing you are not looking to insure any real at risk properties, you should find you policy will be quite competitive.

A landlords insurance policy is not a legal requirement and there are no legal obligations to have a policy.

That said, if the property is mortgaged, then it is likely to be a contractual requirement of the mortgage to ensure the cost of repairing the property is possible.

Related Insurance


Blocks of Flats

Property Portfolio

Unoccupied Property

Commercial Landlord