Landlord liability insurance

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

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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.

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.

Example landlord liability insurance quotes, real prices

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.

Example claim

Having landlords’ liability insurance through Simply Business has saved landlords thousands of pounds when the unexpected happened.

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.

• Do I need property owners’ liability cover?

  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.

• How much landlord liability insurance do I need?

  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.

• How much is landlord insurance per month?

  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.

• What is the difference between landlord insurance and home insurance?

  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.

• Do I need any other additional landlord covers?

  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:

  • Rent guarantee insurance
  • Landlord home emergency cover
  • Landlord legal expenses insurance
  • Content insurance
  • Tenant default insurance
  • Accidental damage
  • Fixtures and fittings insurance
  • Loss of rent insurance
  • Landlord boiler breakdown cover
  • Landlord insurance
• Do landlords need contents insurance?

  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