Landlord liability insurance
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Rated 4.7/5
Based on 39,319 reviews
Claims paid in 24 hours
For 80% of settled claims
What is property owners liability insurance?
Slips, trips, and falls are among the UK’s most common accidents. From loose flooring to slippery paving, it can easily happen in a rented property, especially during a gap between visits. Landlord liability insurance is designed to protect you from injury or damage claims related to your rental property. It’s a type of public liability insurance, built specifically for landlords.
- liability insurance for property owner risks, from injuries to property damage
- 80 per cent of settled claims paid in 24 hours
- rated 4.7/5, based on over 39,000 reviews
What does landlord’s liability insurance cover?
Property owners’ liability insurance, also known as ‘landlord liability insurance’, is built to cover landlords against compensation claims made by a third party, like a tenant, visitor, or service tradesperson. If someone gets injured or their property is damaged, they could blame you as the landlord, and this type of insurance can cover the compensation costs and legal fees, up to your policy limit.
Bodily injury
Property damage
Bodily injury
What does this cover?
- third party injuries, caused by your property
- injuries caused by your building, fixtures, fittings, and/or contents
- claims made by your tenant, their guests, and in rare cases, passers-by (these will require verification)
When would I need to make a claim?
- for example, your tenant trips on a loose piece of floor carpet you’ve been meaning to have fixed, causing long-term chronic back pain
What isn’t covered?
- your own injuries, or injuries to your family members
- product defects
Property damage
What does this cover?
- third party property damage, caused by your rental property
- damage caused by your building, fixtures, fittings, and/or contents
- claims made by your tenant, their guests, and in rare cases, passers-by (these will require verification)
What isn’t covered?
- damage to your own property, or your family members’ – landlord contents insurance, fixtures and fittings insurance, or landlord accidental damage insurance can help with these, or landlord buildings insurance
- product defects
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 landlord liability insurance 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.
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How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 January - 31 August 2021). Most customers pay more than this but some pay less.
Example landlord liability insurance quotes, real prices
£22.76 /month
£202.35 /year
Renting a detached house to a family
- Residential
- Detached house
- 3 bedrooms
- 1 bathroom
- Built between 1980 and 1989
- 1-2 years
- Occupied
- Based in Coventry
Landlord buildings
£200,001 to £250,000
Property owners' liability
£2,000,000
Accidental Damage
Not included
£38.34 /month
£340.82 /year
Renting out a large flat in a purpose built building
- Residential
- Individual flat in purpose built block or building
- 2 bedrooms
- 2 bathrooms
- Built between 1990 and 2000
- Over 5 years
- Occupied
- Based in Watford
Landlord buildings
£300,001 to £350,000
Property owners' liability
£5,000,000
Accidental Damage
Included
How we work out example quotes These examples are real quotes from our online system (created 12/11/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your property. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
How it works
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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
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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.
£30 million in claims paid out in 2019
Paying 80% of settled claims within 24 hours in 2019
Example claim
Having landlords’ liability insurance through Simply Business has saved landlords thousands of pounds when the unexpected happened.
John saved more than £10,800
John (not his real name) received a claim from a solicitor acting on behalf of a postman, who’d broken his leg when a manhole cover gave way on his property. The landlords’ liability insurance added to his policy covered the compensation and legal costs billed to John, as the property owner.
Insurance payout
£10,874.64
Covering the cost of third party injury
John’s costs
£100
The excess amount stated in John’s policy terms
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.
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Rated 4.7/5
Based on 39,319 reviews
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Property owners liability 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 liability insurance for property owners. You can also check out our landlord insurance FAQs.
Landlord liability insurance (also known as ‘property owners’ liability cover’) isn’t a legal requirement, but can sometimes be made mandatory by your mortgage provider or letting agency, if you use one. It’s also a pretty sensible cover to consider, as injury and damage claims can run into tens of thousands of pounds, depending on the severity of the accident, or the value of the property involved.
Remember, your cover level is the maximum amount an insurer will pay out for a claim. Property owners’ liability insurance claims can be very high, which is why our cover levels start at £2 million. You can select up to £5 million in cover if you need, and this will depend on your property, tenant, and overall risk profile.
Some commercial landlords will be required to take out a specific level of cover, often by their local authority. Check your obligations and our commercial landlord insurance options to find the cover that fits your situation.
This will depend on your specific circumstances, the type of property you’re renting out, your tenants and various other factors. Right now, our landlord policy prices start from £13.26 per month.
To work this out, we take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 1 January - 31 August 2021). Most customers pay more than this but some pay less.
Home insurance is required when you want to insure the home you’re living in against accidental loss or damage.
Landlord insurance is different – it’s required when you own a property that you rent out to a third party, and don’t live in yourself. It covers different insurance risks from a home policy, taking into account the type of tenant you rent to and how long you’ve owned the property. It also allows you to insure the property and protect yourself against things like loss of rental income, and malicious damage caused by your tenants.
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:
If you’ve provided furniture and other contents for your tenants – maybe even a TV or art for the walls – your property is known as ‘furnished’, and protection is key for most landlords. You can buy contents insurance as part of your landlord insurance policy, just add it when completing your landlord insurance quote.
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
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