Landlord Insurance

If you rent out properties to tenants, you’ll want to know that you’re protected. Landlord insurance can offer that peace of mind. It can also cover you against the cost of damage to your buildings and contents.

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Get a quote for Landlord Insurance

Get a quote for Landlord Insurance

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What does Landlord insurance cover?

Landlord insurance is specifically designed for people renting out properties. It can help protect you against a range of potential financial losses.

Landlord cover can protect you from paying out for:

  • Accidental damage
  • Damage to landlords contents including white goods
  • Legal costs
  • Loss of rent
  • Fire or flood 
  • Theft.

Landlord insurance can cover:

Property Owner's Liability

This type of cover can protect you if someone is injured or if a third party property is damaged through negligence.

Loss of Rent and Alternative Accommodation

This can cover the cost of lost rent and somewhere for your tenants to stay if they have to move out due to an insured event such as fire or flood.

Landlord contents

Cover the cost of repaired or replacing items and furnishings you provided for your tenants which are damaged. This could include sofas, wardrobes and white goods.

Buildings Insurance

Protect against the cost to repair damage done to your property following insured perils such as fire, floods, storms or vandalism.

Accidental Damage

Accidents happen. Accidental damage cover can pay for the costs of replacing or repairing an insured item broken due to an insured accident. This could be from a smashed window to a stained carpet.

Landlord Employers' Liability

If you hire employees to help manage your properties, you may need landlord Employer's Liability. This helps protect you and covers compensation costs if an employee is injured or dies as a result of negligence.

Keep in mind

Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.

Talk to an insurance specialist

Talk to an insurance specialist

Call 0345 377 0001

Lines are open 9am to 6pm. Monday to Friday, excluding bank holidays.

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Do I need landlord insurance?

You may already have home or contents insurance, but as a landlord, this might not be enough. When you rent out a property, you're likely to face more risks than a regular homeowner and so need that extra level of cover. We also provide cover for commercial properties.

For example, if your tenant is injured by a falling roof tile at your property, or a flood means they have to move and can no longer pay rent, landlord insurance may cover you against those costs.

Does landlord insurance cover non-payment of rent?

Yes. If your tenant can’t pay rent due to an insured event, like a fire or flood, you may be covered. But, you won’t be covered if your tenant doesn’t pay rent for no reason or if they leave the property without warning.

How much does landlord insurance cost?

The cost (or premium) of landlord insurance depends on the type and level of cover you choose. The more cover you need, the more expensive your policy is likely to be.

Factors that can impact your landlord insurance cost include:

  • Sum insured
  • The condition of the property
  • Where the property is located
  • How secure the property is
  • Type of tenant
  • Claims history

Does landlord insurance cover damage caused by tenants?

Landlord insurance can extend to cover the cost of damage to your building and any of its contents. This includes white goods, like fridges or washing machines and furnishings like sofas or beds.

You may also be covered for accidental damage. In some cases these need to be added as an extra element of your policy, so make sure you check your documents to see if you're covered or not.

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Call 0345 377 0001

Lines are open 9am to 6pm. Monday to Friday, excluding bank holidays. 

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