Why get landlord insurance?

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Is landlord insurance mandatory?

A flexible landlord insurance policy from Simply Business can protect you, your property, and your tenants. While there’s no legal obligation for landlords to take out insurance, you’re likely to be required to do so by your mortgage lender. Just as importantly, though, a good landlord insurance policy will help to safeguard your financial future.

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Talk to your mortgage lender

There’s no legal obligation for a landlord to take out a dedicated insurance policy. However, if you have a mortgage on your property it’s very likely that your lender will require you to take out insurance before you take on tenants. Remember, you’ll generally need written permission from your mortgage lender before you let your property. Failure to get this may mean that you’re breaking the terms of your mortgage.

Why Simply Business?

Along with this crucial protection, you can choose from a range of key covers including liability insurance, loss of rent, and contents insurance, along with buildings cover. Remember, a conventional home insurance policy won’t cover you for rental activities. You can learn more about the differences between these insurance types on our landlord vs. homeowners insurance page.

Check your legals

Although landlord insurance isn’t compulsory, you do have a range of legal obligations. You must, for example, ensure that your property has an energy performance certificate (EPC), and that a Gas Safe registered engineer performs a gas safety check every year. You must make sure that the electrical system is safe and, depending on the size of the property, you may have to provide fire extinguishers. 

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“It is a very good and easy to use service. I've been a customer for several years and the renewal system is very straight forward. I've always found the quotes competitive too. I'd definitely recommend Simply Business.”

R Matthews, Handyman

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