Landlord insurance

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Rental property insurance

From the moment you take it on, you need to have confidence that you’re protecting your investment with the right landlord cover. Running a rental isn’t easy, and that’s why Simply Business let you compare quotes and buy online, safe in the knowledge that you’re protected should the worst happen.

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.

Build your landlord insurance policy

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.

Need help?

If you’re unsure about what type of landlord insurance you need, or what your options are, take a quick look at our FAQs or call our direct line to talk to our in-house specialists.

If you’re ready, click the button below to get started.

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What is landlord insurance?

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.

Watch more videos from Simply Business

What type of landlord insurance do I need?

Your policy may vary depending on your specific needs. For example, buildings insurance will be a crucial cover for some, but for those who don’t own the whole building, it may be that fixtures and fittings insurance is more appropriate. The best option is to build a policy that’s right for you.

You can tailor your landlord insurance quote to your individual needs by including covers such as:

…and more. See all our covers for landlords.

For more information on what type of landlord insurance you need check out our FAQ page.

What does landlord insurance cover?

Landlord insurance can cover for damage to your building or its contents. Unlike conventional home insurance, it also covers for rental activities. It can protect you should a tenant or visitor be injured whilst at your property, and house tenants if your place becomes unsuitable to live in.

A standard landlord insurance policy will usually cover against perils such as:

  • fire and lightning
  • flood, storm and other weather damage
  • escape of water (such as leaks caused by frozen and burst pipes)
  • loss of metered water/oil
  • earthquakes
  • explosions
  • subsidence
  • trace & access (e.g. any damage done to locate a leak, such as removing wall boards or floor boards to access plumbing)
  • theft
  • malicious damage
  • vandalism

Read more about what landlord insurance covers or get a quote now.

Is landlord insurance legally required?

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.

Compare landlord insurance quotes

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.

Watch your landlord insurance details

It’s very important to make sure you understand what you need from your insurance. Use the check points below to get you thinking.

  • If you employ people, even in your own home, you’re legally obliged to take out employers’ liability insurance. Not doing this could lead to a heavy fine
  • Make sure you read and understand any exclusions to your policy. Simply Business offers you the chance to read the policy documents in full before you buy
  • Remember that conventional home insurance policies will not cover a buy-to-let property
  • You should state the rebuild cost of your property, not its market value, when buying buildings insurance.

Why Simply Business?

  • We are one of the UK’s biggest business insurance providers
  • All settled claims are paid within 24 hours
  • 9/10 ratings say we’re good or excellent
  • 425,000 customers (and counting)
  • Claims are handled by an award-winning team
  • Quote comparisons available from multiple insurers
  • We run things from an expert, UK-based contact centre

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.

Customer reviews

Our rating

4.6 /5

Working out our score

Our score is based on the reviews we’ve collected on Feefo, the independent customer research specialist. For more details on how this works, click below.

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Customer testimonials

“Excellent, personalised, prompt response to my unusual requirements. Problem solved in no time, confirmed immediately by email - extremely pleasant manner and tone”

J Peters, IT Consultant

What our customers are saying

We’re proud of the reviews and ratings we receive from our customers. It’s this feedback that helps us keep on improving our services and options, so drop us a line and tell us what you think.

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