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Landlord Insurance

With £2 million Property Owner’s liability as standard, and policy excesses from £100 – you can trust us to deliver an expert service.

Why us?

  • Cover for Unoccupied Residential properties available
  • Underwritten by ‘A’ rated insurer
  • Cover for Buildings & Contents
  • Up to £2,000,000 Building Sums Insured for any one property
  • £2,000,000 Property Owners Liability included as standard
  • No Claims Discount available
  • Discounts Available for higher voluntary excess
  • Discounts available for multi-properties
  • Great service - 95% of our customer reviews are good or excellent
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What is landlord insurance?

Landlord insurance is cover that protects the property you manage. Any standard home building and contents insurance that may have been in place when the property was in owner occupation is no longer valid the moment the property is let to tenants.

You might be a professional landlord who has made the conscious decision to invest in buy to let properties as a serious business proposition. On the other hand, you might be an accidental landlord who has inherited property or decided to let a home already in your ownership.

Insurers take the view that property which is owned for essentially business purposes – let to tenants in pursuit of a rental income – is exposed to different risks and vulnerabilities than one which is occupied by its owner as a principal home.

What does landlord insurance cover?

Depending on your needs as a landlord, you can get cover for different elements. Buildings insurance can cover the cost of repairing and rebuilding your property if something were to happen. You can also arrange to cover the contents within the property that belong to you should you be letting a fully furnished property.

There are different risks that each landlord might want to get covered depending on their business needs. Fire, smoke damage, flooding, vandalism and theft, the very structure and fabric of your let property may be at risk. The total building sum insured, for instance, is typically calculated with reference to the cost of completely reconstructing the building if it has been damaged beyond repair as well as clearing the site.

Do I need landlord insurance?

Firstly, if your let property is mortgaged, typically you will be legally obliged under your mortgage contract to have an adequate amount of buildings insurance cover in order to protect both your financial interest in the property.

Landlords may also want to ensure that, in the event of an insured incident leaving the property temporarily unlettable, that insurance provides some degree of compensation for lost rental income. The maximum amount payable in these circumstances is commonly expressed as a percentage of the total building sum insured.

If you do not have landlord insurance, and the worst comes to the worst, you stand to lose the entire property and have no recourse to the funds necessary for its reconstruction. The provision of that safeguard is probably the single most important aspect of landlord insurance.


  1. Since 1990, we’ve been helping businesses find the cover they need to stay protected.
  2. We can arrange insurance cover for unoccupied residential property as we as occupied private dwellings, flats and occupied semi-commercial property
  3. We offer discounts for multi- property portfolios
  4. Our landlord insurance policies include £2 million property owners’ liability cover as standard

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Read our FAQ's

Yes, a standard home insurance policy is different from specialist property to let insurance.

Landlord insurance is specifically designed for property that is let to provide an additional income and is designed accordingly. Within your landlord insurance quote is cover for landlord contents and liability (which would not feature in a home insurance policy). It is essential that your liability to the tenants within your rental properties is covered. 

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Yes, our landlord insurance quotes allow you to insure multiple buy to let properties thus saving you time and effort.

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Landlord insurance, also known as buy to let insurance is essential for landlords to protect their investment - their property portfolio. With the correct buildings & landlord insurance policy, you can relax knowing your house is in safe hands.

Standard home cover is generally unsuitable to protect you against the different risks presented by rental property. Proving a wider range of cover, specialist buy to let insurance is essential to safeguard the long term future of your property and your business.

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No, such items are automatically included within the definition of 'buildings' in our landlord’s policies and there is no need to arrange separate landlord’s contents insurance in these circumstances. 

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