Compare Landlord Insurance

Landlord insurance can safeguard against risks associated with renting out a property, such as damage caused by tenants or legal disputes about rent.

It covers the structure of the building and can help pay for repairs, replacements or even a total rebuild of the property following an incident such as flooding, fire or storm damage. If you rely on rental income, you could be compensated for lost rent if the property is damaged and cannot be occupied by tenants.

Whether you are a residential landlord or a commercial landlord, each rental property owner requires a different insurance policy – for example a block of commercial properties aren’t likely to have the same risks as a single residential let.

To make sure you are covered for the risks associated with your needs as a landlord, you might want to consider insurance that you can easily alter to fit your requirements. That’s why we work with a partner that offers fully customisable cover, allowing you to tailor your protection and only pay for what you need.

What does Landlord Insurance Cover?

While every property is different, there are some covers that make a lot of sense for most landlords. Here are the core covers included in every policy offered:


 Buildings

If you are a freeholder (or indeed a leaseholder with the responsibility to maintain the building that your property resides in), then this element of your landlord insurance covers the costs of having to repair accidental or malicious damage to the building, including:

  • Damage to cables and underground pipes
  • Fire and flood damage
  • Clearing, cleaning or repairing gutters, drains or sewers following damage to the property
  • Subsidence damage (optional for commercial properties)
  • Sourcing the damage and repairing any tank/pipe caused by a water leak


Fixtures | Fittings

Whether you are the landlord of a leasehold or freehold property, you may also be responsible for maintaining the fixtures and fittings within the property. As part of the policy you will be covered for the repair or replacement costs of fixtures and fitting within the property, including:

  • Damage to electrical sockets or light fittings
  • Breakage of fixed glass and fixed mirrors
  • Theft of the building’s fabric (eg. roof tiles or insulation)
  • Damage caused by the illegal cultivation of drugs


   Liability

Covers your liability to pay any compensation and or legal costs (between £1 million-£10 million) in relation to an injury to either a tenant or member of the public.

This includes legal costs of up to £1 million for any alleged breaches of:

  • Health and Safety legislation
  • Consumer Protection legislation
  • Food Standards legislation

Policies also include legal costs (up to £1 million) in connection to defense against:

  • Manslaughter
  • Corporate manslaughter
  • Corporate homicide
  • Culpable homicide defence
Additional Cover Options

On top of the included options, we also offer a selection of other relevant covers to boost your policy to give you peace of mind and an all-in-one protection.

Employers Liability

A legal requirement for any landlord that employs staff (for example – administration assistant or handyman), it covers your liability to pay compensation and legal costs.

Rental Income

If your property is damaged to the point of becoming uninhabitable, the rental income you would have been paid is covered for a period of up to 24 months while the property cannot be occupied.

Landlord Contents

Covers the value of all items in the rental property that belong to the landlord (such as furniture and upholstery) against accidental and malicious damage, up to a limit of £75,000.

Terrorism Cover

Covers your repair costs for any damage to your property, your financial losses and your property owners liability in the event of an act of terrorism, which would not otherwise be an insurable event.



BIG OR SMALL, WE’VE GOT YOU COVERED

From renting out a studio flat to letting an entire block of apartments with a cafe at the end, whatever property is in your portfolio we’ve got you.

While we insure many different landlords, here are a few popular rentals covered:

  • Studio apartments
  • Flats and houses
  • Mixed commercial and residential properties
  • Commercial units
  • Portfolios of up to 10 properties

Simply click “Get Landlord Insurance” – and fill in a simple online form. Change or cancel anytime and benefit from multi-property discounts. Easy.