Specialist Insurance to Help Protect Your Rental Property and Investment.
Owning a rental property can be a rewarding investment, but it also comes with responsibilities and risks that differ from owning your own home. Standard home insurance isn't usually designed for properties let to tenants, which is why landlords often need specialist Landlord Insurance to help protect their property, rental income and financial investment.
Why Landlord Insurance Matters
Unexpected events such as property damage, tenant-related incidents or liability claims can have a significant financial impact. Standard home insurance is not usually designed for properties that are let to tenants.
That's why landlords often need specialist Landlord Insurance to help protect their property, rental income and financial investment. The right cover can help protect:
- Your rental property.
- Your financial investment.
- Your landlord-owned contents.
- Your legal liabilities.
- Certain rental income risks following an insured event.
- Your peace of mind.
What is Landlord Insurance?
Landlord Insurance is a specialist insurance policy designed for residential properties that are rented out to tenants. Unlike standard home insurance, it is intended to reflect the additional risks associated with letting a property and can be tailored to your individual circumstances.
Depending on the insurer and the policy selected, Landlord Insurance may include:
- Buildings Insurance.
- Landlord's Contents Insurance.
- Property Owners' Liability Insurance.
- Loss of Rent following an insured event, where included.
- Alternative Accommodation, where applicable.
- Accidental Damage, optional.
- Malicious Damage by Tenants, where available.
- Legal Expenses Cover, optional.
- Home Emergency Cover, optional.
Why Might You Need Landlord Insurance?
When you let a property, you face risks that differ from those of owner-occupiers. Unexpected events could result in expensive repair costs, liability claims or periods when your property cannot be occupied. It may be suitable if you:
- Own a buy-to-let property.
- Let a house, flat or apartment to tenants.
- Own multiple rental properties.
- Rent out a furnished or unfurnished property.
- Want to protect your investment.
- Want greater financial reassurance if unexpected events occur.
Having suitable insurance can help reduce the financial impact of certain insured events and support you in protecting your investment.
What Can Landlord Insurance Cover?
The cover available depends on the insurer and the policy selected.
Buildings Insurance
Helps cover the cost of repairing or rebuilding your rental property after certain insured events.
Learn more →Landlord's Contents Insurance
Helps protect landlord-owned items within a furnished or part-furnished property.
Learn more →Property Owners' Liability
May help protect you if you're held legally responsible for injury or damage to others.
Learn more →Loss of Rent
Cover for lost rent if your property becomes uninhabitable following an insured event.
Learn more →Buildings Insurance
Helps cover the cost of repairing or rebuilding your rental property if it is damaged by certain insured events, such as:
- Fire.
- Storm damage.
- Flooding.
- Escape of water.
- Subsidence, heave and landslip, where included.
- Theft or attempted theft causing damage.
- Vandalism.
- Falling trees or branches.
Landlord's Contents Insurance
If you provide furniture or other belongings within a furnished or part-furnished property, Contents Insurance can help protect landlord-owned items, such as:
- Furniture.
- White goods.
- Carpets and curtains.
- Beds and mattresses.
- Sofas and dining furniture.
- Appliances supplied by the landlord.
Property Owners' Liability Insurance
Liability cover may help protect you if you're held legally responsible for injury to another person or damage to their property arising from your ownership of the rental property, subject to the policy terms and conditions.
Loss of Rent
Some policies include or offer cover for loss of rent if your property becomes uninhabitable following an insured event, such as a fire or flood. The availability and limits of this cover vary between insurers and policies.
Optional Cover
Depending on the insurer, you may also be able to add:
- Accidental Damage.
- Malicious Damage by Tenants.
- Home Emergency Assistance.
- Legal Expenses Insurance.
- Landlord Rent Guarantee Insurance, where available.
- Alternative Accommodation Cover.
- Trace and Access Cover.
We'll explain the available options and help you choose cover that's appropriate for your circumstances. Find out about Landlord Rent Guarantee Insurance →
Why Specialist Landlord Insurance Matters
Many landlords assume that standard home insurance will protect a rented property. However, this is not usually the case.
Specialist Landlord Insurance is designed to reflect the risks associated with letting a property and may offer cover specifically intended for landlords. It can help provide protection for:
- Your property.
- Your financial investment.
- Your landlord-owned contents.
- Your legal liabilities.
- Certain rental income risks following an insured event.
- A range of optional landlord-specific risks.
Having appropriate insurance can provide valuable peace of mind while you manage your rental property.
How We Can Help
Choosing Landlord Insurance involves more than comparing premiums. Different insurers provide different levels of cover, policy limits, exclusions and optional benefits.
As your Mortgage & Protection Adviser, we will:
- Take the time to understand your rental property and insurance needs.
- Explain how Landlord Insurance works.
- Discuss the different types of cover available.
- Search a range of leading UK insurers.
- Compare policy features, benefits and premiums.
- Explain important policy terms, exclusions and optional extras.
- Help you arrange cover that's suitable for your property and circumstances.
- Review your insurance whenever your needs change.
Our aim is to help you make an informed decision and arrange insurance that provides appropriate protection for your investment.
Why Choose Us?
Whole of Market
We search a wide range of leading UK insurers rather than recommending the same solution to every client.
Personal & Friendly
Advice tailored to your individual circumstances, with clear communication and no unnecessary jargon.
Support Throughout
From your initial enquiry through to completion, and ongoing assistance afterwards.
Frequently Asked Questions
No. However, if you have a buy-to-let mortgage, your lender may require Buildings Insurance as a condition of the mortgage. Specialist Landlord Insurance is not usually a legal requirement but is often recommended to help protect your investment.
No. Landlord's Contents Insurance generally covers items owned by the landlord. Tenants should arrange their own Contents Insurance to protect their personal possessions.
Not always. Some insurers offer Rent Guarantee Insurance as an optional add-on or a separate policy. We'll explain the options available and whether they're suitable for your circumstances.
Yes. Many insurers offer cover for landlords with multiple properties or property portfolios. We'll help you explore the options available.
Some policies include accidental damage as standard, while others offer it as an optional extra. The cover available varies between insurers.
Here to Support You
- Explaining your options clearly and without jargon.
- Searching a range of leading UK insurers.
- Recommending cover that is suitable for your property and circumstances.
- Helping you understand the features and limitations of each policy.
- Comparing policy features, benefits and premiums, not just price.
- Reviewing your insurance as your needs change over time.