Simply Business homepage
  • Business insurance

    • Business Insurance FAQs

    Business insurance covers

  • Support
  • Claims
  • Sign In
Call Us0333 0146 683
Our opening hours

Alternative accommodation cover

Join over 315,000 UK property owners with cover from £13.26 per month*

Get tailored quotes in 7 minutes

Start your quote
  • UK-based expert support, online and on the phone
  • Get covered and all your documents the same day
  • Compare alternative accommodation cover from trusted brands

Compare quotes from leading brands

Liked icon

Rated 4.7/5

Based on 39,403 reviews

Precise icon

Claims paid in 24 hours

For 80% of settled claims

What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do I choose insurance?
  • How do claims work?
  • FAQs
  • Helpful articles

Why is alternative accommodation insurance important?

If an insured event – like a flood, fire, or storm – damages your property, it may cost more than just your builder’s fees. As a landlord, your obligation to provide alternative accommodation will depend on your tenancy agreement. This may state that you must provide alternative accommodation, if disaster strikes and the property is unfit to live in.

  • expert landlord insurance, alternative accommodation cover and UK claims team
  • no excess to pay – 80 percent of settled claims paid in 24 hours
  • trusted by over 800,000 customers for flexible, tailored cover

Start your quote

What does alternative accommodation insurance cover?

Alternative accommodation cover can help pick up the cost of providing somewhere else for your tenants to stay, if a fire, flood, or other insured event causes serious damage. Some contracts state this as the landlord’s responsibility, so check your tenancy agreement carefully to get the right protection in place – you can add it to your standard landlord insurance policy, along with other popular covers, from contents to loss of rent.

Fire

What does this cover?

  • the cost of temporarily rehoming your tenants, if fire damage makes your property uninhabitable
  • alternative accommodation until your property is habitable again, or the period of insurance ends (whichever is first)

When would I need to make a claim?

  • for example, a kitchen fire in the flat above yours causes serious damage to your property, and your tenants need to move out while you make repairs

What isn’t covered?

  • losses due to a tenant defaulting on their rental payments – you can add tenant default insurance to help cover this risk, when building your policy

Storm

What does this cover?

  • the cost of temporarily rehoming your tenants, if storm damage makes your property uninhabitable
  • alternative accommodation until your property is habitable again, or the period of insurance ends (whichever is first)

When would I need to make a claim?

  • for example, a storm causes serious structural damage to your property, and your tenants need to move out for a few months

What isn’t covered?

  • losses due to a tenant defaulting on their rental payments – you can add tenant default insurance to help cover this risk, when building your policy

Flood

What does this cover?

  • the cost of temporarily rehoming your tenants, if flood damage makes your property uninhabitable
  • alternative accommodation until your property is habitable again, or the period of insurance ends (whichever is first)

When would I need to make a claim?

  • For example, sudden, heavy rainfall causes a flood on your road, and by the evening your property has become uninhabitable. You need to rehome your tenants quickly, and make a claim to help cover the cost

What isn’t covered?

  • losses due to a tenant defaulting on their rental payments – you can add tenant default insurance to help cover this risk, when building your policy
  • flooding caused by a continual increase in the water table, over time
  • in some circumstances, you may not be able to make a claim if you don’t have certain covers in place

This content has been created for general information purposes. Make sure you have the right level of landlord insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does alternative accommodation cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £13.26 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

Start your quote

How we work out example prices. Prices are based on payment over 12 months as of 25/10/2021 and are inclusive of Insurance Premium Tax (IPT). If you pay in a lump sum or by Direct Debit, extra fees may apply.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same way

Start your quote

Simply Business

Direct to
insurer

Highstreet
broker

Compare policies from a range of trusted insurers

Included
Not included
Included

Buy online or over the phone in minutes

Included
Included
Not included

Access support by phone or online

Included
Included
Not included

We handle claims, so you can get on with business

Included
Not included
Included

How do I choose alternative accommodation landlord insurance?

Making sure you have the right type and level of insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

What if my property is unoccupied?

If you've bought insurance for an unoccupied property, you'll be asked to confirm if the property is expected to be occupied within 60 days of the policy starting.

After this, you must contact us to confirm when the property becomes occupied – if you don't tell us, this can cause a delay in any claims being processed.

You should also be aware that you can't claim for lost rent under the loss of rent section of your insurance if your property becomes unoccupied.

What if my tenant's situation changes?

If your tenant's employment status changes – or if a new tenant moves in and their employment status is different to the previous tenant – you'll need to tell us immediately. If you don't, it could cause a delay in any claims being processed.

Are carpets and curtains covered?

The definition of 'fixtures and fittings' will depend on the insurer – sometimes, it will include laminate flooring, carpets, curtains and blinds.

It's a good idea to check the wording in your policy to understand what's covered.

Read more about contents insurance for landlords and buildings insurance.

Will tenant default insurance cover me if my property becomes unoccupied?

If your property becomes unoccupied, you won't be able to make a claim for lost rent under tenant default cover.

This also applies if your tenant falls into arrears and can't pay their rent, but you're not planning to evict them. You can only claim for lost rent under tenant default cover if you start repossession proceedings.

Read more about tenant default insurance and rent guarantee insurance.

What if I'm subletting my property?

It's vital that any tenancy agreement that you have is between you and the occupant of the property.

If the occupant of your property has a tenancy agreement with a third party (such as a letting agency or a local authority) and not you as the property owner, then your insurance policy could be cancelled and you won't be able to make any claims.

What if I have a different type of property?

You can add a range of other important covers to your landlord insurance policy, all while keeping it simple with a single premium and a single renewal date. You might consider these covers:

Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm

Call our team

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£28 million in claims paid out in 2021

Paying 80% of settled claims within 24 hours in 2021

Example claim

Having landlord insurance with alternative accommodation cover through Simply Business has saved property owners thousands of pounds when the unexpected happened.

Alexandra saved more than £19,800

Alexandra (not her real name) received a call from her tenant over the New Year bank holiday, reporting a vehicle had driven through her property’s end wall. The tenants were forced to move out while repair works were carried out, but the landlord insurance alternative accommodation cover added to her policy helped cover the costs Alexandra incurred as a result.

  • Insurance payout

    £19,895.57

    Covering the cost of impact

  • Alexandra’s costs

    £100

    The excess amount stated in the terms of Alexandra’s buildings or contents policy that she made her original claim on

Chosen by 800,000 small businesses and landlords

We started out as a team of five back in 2005. We’ve grown since then with 315,000 landlord customers now trusting us to provide their insurance.

  • Compare and buy in minutes

    Documents arrive today

  • Rated 4.7/5

    Based on 39,403 reviews

  • Here to help

    Help from UK-based experts

  • 24/7 claims

    Make a claim any time

Alternative accommodation insurance FAQ

Whether you’re new to buying landlord insurance or you’ve been letting your property for a while, here are the answers to some commonly asked questions about alternative accommodation insurance. You can also check out our landlord insurance FAQs.

  • Alternative accommodation insurance is designed to cover your costs, as a landlord, if you need to provide alternative accommodation while your tenants move out due to an insured event – often a fire, flood, or storm. It usually covers the period of time until your property is habitable again, or the period of insurance ends (whichever is first). Some insurers also offer set cover periods, for example 12 or 24 months.

  • Buildings insurance covers the physical structure of the property including the walls, roof, and floors. Items inside the property, like furniture and freestanding appliances, are usually protected by specific ‘contents insurance’.

  • There’s currently no legal obligation to take out a dedicated landlord insurance policy. However, a home insurance policy won’t cover you for the specific risks you and your tenants face, and a mortgage lender will usually require you to have buy-to-let insurance in place too, before renting out your property.

    Alongside optional protection like alternative accommodation insurance, popular covers include property owners’ liability and contents insurance, for accidents on your property, plus buildings cover to protect the property itself.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Helpful articles for landlords

27 April 2021 • 3-minute read

A guide to letting agent fees for landlords

Keep up to date with Simply Business. Subscribe to our monthly newsletter and follow us on social media.

Subscribe to our newsletter
Alternative accommodation cover

Insurance

Public liability insuranceBusiness insuranceProfessional indemnity insuranceEmployers liability insuranceLandlord insuranceTradesman insuranceCharity insuranceRestaurant insuranceCommercial van insuranceInsurers

About

About usOur teamAwardsPress releasesPartners & affiliatesOur charitable workModern Slavery ActSocial mediaSite map

Customer support

Contact & supportPolicy renewalMake a claimProof of policyComplaintsAccessibility

Address

6th Floor99 Gresham StreetLondonEC2V 7NG

Sol House29 St Katherine's StreetNorthamptonNN1 2QZ

Careers

Careers at Simply BusinessTech careersCurrent opportunities

Benefits

BenefitsRefer a friendFinance

Legal

Terms & conditionsPrivacy policyCookie policyVuln Disclosure policy

Knowledge

Knowledge centreOpinionsMicrosites

© Copyright 2022 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.