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From the moment you take it on, you need to have confidence that you’re protecting your investment with the right landlord cover. No two rental properties are the same - insuring over 100,000 landlords has taught us that. That’s why we let you build a policy that suits your needs, with the help of a simple online form and a UK-based contact centre.
With an expert team here to support you, we make it quick and easy to get the protection you need, whether you’re looking for buy-to-let insurance or commercial landlord insurance. Tailor-make your policy by choosing from a range of rental property insurance covers including buildings insurance, contents insurance, property owners’ liability, loss of rent and alternative accommodation, to make sure you’re staying within the law.
We’ll guide you step-by-step through the process and explain any terms you may not understand. Once you’ve completed the quote form we’ll return the quotes which meet your needs from our panel of expert insurers. We’ll display your quotes in a table so you can easily compare the prices and cover offered. From here you can view more details on the quotes provided, and select and buy the right policy for you.
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Landlord insurance protects you from financial losses incurred through your day-to-day rental activities. It differs from standard home insurance in that it’s more specific, with covers designed solely to protect your rental property and tenants, against your unique risks.
Our consultant Massimo takes you through the essentials of good landlord cover.
Different types of landlord insurance cover different risks. A basic policy consists of property owners’ liability insurance - which covers if your property causes injury or damage to a tenant or visitor - and buildings insurance, which pays for the cost of repairing or rebuilding your property.
You can tailor your policy to your individual needs by including additional covers, such as accidental damage, alternative accommodation, contents insurance, loss of rent, unoccupied property insurance and more.
See all our covers for landlords.
While landlord insurance is not a legal requirement, a conventional home insurance policy won’t cover you for rental activities. Also, if you have a mortgage on your property, it’s very likely that your lender will require you to be covered by landlord insurance before you can take on tenants.
In addition, if you employ any people, is it usually a legal requirement to have employers’ liability insurance, so make sure you add it to your policy.
Read more about legal obligations for landlords.
All of this, plus expert insight and connections in our Knowledge Centre, full of tips, articles, videos, and podcasts to help you manage your rental.
It’s very important to make sure you understand what you need from your insurance. Use the check points below to get you thinking.