Landlord insurance that protects your properties
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A new way to insure as a landlord
Landlord insurance is designed to protect you from the unexpected, covering everything from the building and its contents to tenant-related issues such as missed rent payments. With the right policy in place, you can have confidence that your investment is safeguarded, giving you peace of mind if the unexpected occurs.
In partnership with some of the leading UK insurers, we’ll not only get you a better landlord insurance deal with the best cover available, we work hard to keep you as a customer year after year.
We compare the market for the best deal so you don’t have to.
24/7 claims service
We’re here for you round the clock when you need us most.
Fairer prices for all
We only provide cover for responsible landlords, so you’ll get a better deal.
World-class support
You’ll get your own UK-based human to look after you for the duration of your policy.
We use a combination of technology and a wealth of experience to give you unrivalled cover and more affordable landlord insurance prices.
With over 50 years of experience providing top-quality insurance for landlords, you can be sure we’ve got you covered.
What is landlord insurance?
Landlord insurance is a specialised insurance policy designed for property owners who rent out their properties. Unlike standard home insurance, which covers owner-occupied homes, it is tailored to the specific risks landlords face.
It protects against financial risks such as property damage, loss of rental income, and liability for injuries on the property.
Investing in rental property can be profitable, but it also comes with risks that standard home insurance may not cover. Here’s why landlord insurance is important:
- Emergency cover: Offers assistance for urgent situations like a boiler breakdown.
- Building insurance: Protects the structure of your property against risks like fire and floods.
- Landlord liability insurance: Covers you if a tenant or visitor is injured on your property and you’re held liable.
- Rent guarantee insurance: Compensates for loss of rent if the tenant fails to pay or the property is uninhabitable.
- Contents insurance: Covers items like furniture and appliances provided to tenants.
- Accidental damage cover: Protects against accidental damage caused by tenants.
For more details on cover, read our What does landlord insurance cover blog.
When choosing a policy, make sure you assess your needs first. Determine the level of cover you need, such as building insurance, contents insurance, or loss of rent cover. Also consider optional extras, weighing up the benefits of additional cover like accidental damage or legal expenses.
Quality landlord cover for whatever you need
Landlord insurance is essential for anyone who owns property. For different types of property, there can be different policies including, but not limited to:
Unoccupied property insurance
Unoccupied property insurance …to protect you when buying, selling or repairing vehicles in the motor trade, whether that’s working from home or as additional work.
Property owners liability insurance
Property owners liability insurance …for your garage, employees and customer vehicles in your custody. Protection for vehicles having MOTs, being repaired, serviced, or stored.
What does landlord insurance cover?
Damage to your property
Covers damage from events like fire, storms, and vandalism. It may also include accidental damage by tenants.
Uninhabitable property
If your property becomes uninhabitable due to an insured event, it can cover the lost rent, helping maintain your cash flow.
If your things get stolen
Cover if your property is furnished, this insurance can cover damage or theft to your furnishings and appliances.
Legal expenses
Some policies include cover for legal costs, such as
eviction proceedings or recovering unpaid rent.
If a visitor is injured
If a tenant or visitor is injured on your property and you’re
found liable, it can cover legal fees and compensation costs.
* Subject to your chosen level of policy cover and the prevailing policy excess.
How much does landlord insurance cost?
The cost of landlord insurance varies widely depending on several factors. Here’s what typically influences the premium:
Level of cover
The amount and type of cover you choose will affect the cost. A basic policy might cover just building insurance. A more comprehensive one may include contents and loss of rent.
Value of the property
The value of your property and the cost to rebuild it will impact cost. Higher property values generally lead to higher premiums as they represent more financial risk.
Property location
The type and location can impact premiums. A low-crime area will cost less than one with higher crime rates. Properties located in areas prone to flooding can also attract higher costs.
Property security
Properties with better security measures such as alarms, CCTV, and secure locks can benefit from lower premiums as they are deemed less likely to be targeted by criminals.
Tenant type
Students and DSS tenants are often considered higher risk by insurers, which can lead to higher premiums. On the other hand, professionals or families may attract lower premiums.
Your claims history
If you’ve made claims in the past, insurers may consider you a higher risk, which could increase your premium. A clean claims history might result in lower costs.
Landlord insurance frequently asked questions
Can I cover multiple properties?
Whether you’re an owner-occupier with a single property or an investor with a portfolio of properties, we can arrange comprehensive cover under a single policy.
Can you cover unoccupied properties?
If your property is temporarily vacant or is going to be unoccupied long-term, we can provide the best cover on the market.
What does landlord insurance cost?
The cost of your policy will depend on the cover and levels of cover you choose. Prices start from £14 a month.
What if my property is unoccupied?
No problem. The level of cover you’ll get depends on how long the property will be unoccupied and whether you’re undertaking refurbishment works.
Can I get cover for loss of rent?
Absolutely. We can include rent guarantee cover or tenant default cover as an optional extra.
What is accidental damage cover?
A standard policy will cover against the main perils (storm, flood etc.). Accidental damage cover extends this to cover spillages, breakages or damage caused by you, a tenant or a visitor.
Can I trust you?
We’ve been around for over 50 years with a dedicated property liability insurance team. We’re also authorised and regulated by the Financial Conduct Authority.
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