Landlord Insurance

Landlord insurance without sky high prices

  • Single & Multiple Properties Covered

  • One Short, Quick & Easy Form

  • FREE to use with No-Obligation

Landlord Insurance

Protect your property and your profits, without paying over the odds!

Our landlord insurance price comparison service makes it easy to compare quotes from top UK providers in minutes. Whether you’ve got one property or a growing portfolio, find the right cover at the best price today.

Compare Landlord Insurance Quotes

We know how difficult comparing policies can be. That’s why our trained team are here to help you find dedicated brokers who want to quote you.

Our service is free and impartial with no obligation to buy.

Landlord Insurance

What our Comparison Expert Says

‘When it comes to comparing insurance for landlords, our team have you sorted! It’s crucial to make sure you have correct insurance for your investment but there’s no need to pay more than you need to. Our agents will connect you with landlord insurance brokers who can insure any type of property!’

- Michael Tribe

How our process works

We’ve worked hard to refine our process and keep it as quick, easy and simple as possible for our customers.

Complete Our Quick Quote Form

Provide us with a small amount of information on our quick and easy form. If you don’t want to fill out our form, simply give us a call instead and 1 of our agents will do it for you!

Specialist Brokers Are Compared

We look at your individual needs and find you brokers who can save you the most and offer you the best value for money.

You Receive Landlord Insurance Quotes

You’ll receive multiple quotes tailored specifically to your own insurance needs.

You Save Money

Once you have all the quotes you’d like, you pick the right policy for you at the best price.

What is Landlords Insurance?

Landlord insurance, also known as ‘buy-to-let insurance’, is a type of insurance policy designed specifically for those who rent out their properties. This type of insurance can provide valuable protection for property owners against risks and damages that may occur in their rental properties.

What Does Landlord Insurance Cover?

Landlord insurance can be tailored to cover a number of things. Typically though, policies will cover the below.

What is Covered

  • Buildings insurance – Protection against damage to the structure (walls, roof, floors, etc.) from fire, flood, storms, vandalism, etc.

  • Contents insurance – Covers landlord-owned contents (e.g. furniture, white goods) in a furnished property.

  • Property owners’ liability – Covers legal liability if a tenant or visitor is injured on the property.

  • Loss of rent – Compensation if the property becomes uninhabitable due to an insured event (like fire or flood).

  • Alternative accommodation – Pays for tenants’ temporary housing if the property is uninhabitable due to an insured risk.

  • Malicious damage by tenants – Covers intentional damage caused by tenants (if included in the policy).

  • Legal expenses – Helps with legal costs for evictions, disputes, or recovery of rent arrears (optional).

  • Accidental damage – Covers unexpected damage like broken windows or water damage (may be optional).

  • Home emergency cover – Provides 24/7 assistance for urgent issues like boiler breakdowns or burst pipes (often an add-on).

  • Landlord liability insurance – Protects against injury or damage claims made by tenants or third parties.

What in NOT Covered

  • Wear and tear – General maintenance and deterioration over time (e.g. faded paint, worn carpets).

  • Tenant’s personal belongings – Tenants must get their own contents insurance for their possessions.

  • Unoccupied properties (long-term) – Some policies exclude or restrict cover if the property is vacant for over 30–60 days.

  • Illegal activities – Damage resulting from illegal activities (e.g. drug operations) may not be covered.

  • Poor maintenance – Damage caused by neglect or lack of regular upkeep.

  • Pest infestations – Most standard policies do not cover removal of rats, insects, or other pests.

  • Loss of rent from tenant default (unless covered) – Requires specific rent guarantee insurance or add-on.

  • Acts of war or terrorism – Usually excluded unless special cover is taken.

  • Flooding in high-risk areas – May be excluded or require special terms.

  • Deliberate damage by the landlord – Any intentional harm to the property by the landlord themselves.

Who Needs Landlord Insurance?

If you own a property and rent it out, whether it’s a single property or multiple properties, it’s important to consider getting landlord insurance. This includes buy-to-let landlords, professional landlords and accidental landlords who may have inherited or have to rent out a property due to circumstances.

It’s important to note that standard home insurance policies typically do not cover rental properties. Landlord insurance provides more comprehensive cover that is tailored to the specific needs of landlords.

Additionally, if you have a mortgage on your rental property, your lender may require you to have a landlord policy as a condition of the mortgage agreement.

Why Do I Need Landlord Insurance?

As a landlord, protecting your rental property and financial interests is paramount. Landlord insurance provides peace of mind and financial protection against unexpected events such as property damage, liability for accidents, and loss of rental income. Without landlord insurance, you could face significant financial losses that might impact your ability to maintain your property and meet mortgage payments.

Whether it’s a natural disaster, a tenant’s accidental damage, or a legal claim, having the right insurance cover ensures you’re not left out of pocket. In essence, you need landlord insurance to safeguard your investment and ensure a steady rental income stream.

What Properties Can Be Insured with Landlord Insurance?

Landlord insurance can cover a wide range of properties, ensuring you have the necessary protection regardless of the type of rental property you own. This includes:

Whether you own a single-family home, a block of flats, or a commercial property, specialist landlord insurance can provide the financial protection and peace of mind you need. It’s essential to choose an insurance provider that understands the unique risks and requirements associated with renting out properties, ensuring you get the best possible cover for your investment.

How Much Does Landlord Insurance Cost?

The cost of landlord insurance will vary depending on a number of factors, including the size of the property, its location, the level of coverage required and even the type of tenants.

Depending on the level of coverage and the specific needs of the landlord some policies may be more expensive, especially if they include additional coverage such as loss of rental income or legal expenses.

Landlords can compare quotes provided by an experienced insurance broker to get a better idea of how much their specific policy will cost. It’s important for landlords to carefully review the terms and conditions of their policy, including any exclusions or limitations, to make sure they have the right level of coverage for their needs.

It’s also important to note that the cost of landlord insurance should be factored into the overall costs of owning a rental property. While it may be an additional expense, it can provide valuable protection and peace of mind in the event that unexpected events occur.

How Can I Save On Landlord Insurance?

Acting as a landlord, whether you have a single property or portfolio of properties can generate a valuable income, but it can also be expensive.

Compare Quotes

Compare policies and premiums from different insurance providers to find the best deal.

Increase Your Excess

A higher deductible can lower your insurance premium, but keep in mind that you will be responsible for paying the deductible out of pocket in the event of a claim.

Combine Policies with a Single Broker

Some insurance providers offer discounts for bundling multiple insurance policies, such as landlord insurance and home insurance.

Improve Property Security

Installing smoke detectors, burglar alarms, and secure locks can help reduce the risk of damage or theft and may lower your insurance premium.

Avoid Making Small Claims

Small claims can increase your insurance premium in the long run. It’s often more cost-effective to pay for small repairs or replacements out of pocket rather than making a claim.

Rent to Low Risk Tenants

Some insurance providers may offer lower premiums for landlords who rent to low-risk tenants, such as professionals or retirees.

Frequently Asked Questions

Your ability to get cheap landlords insurance will depend entirely on the properties, the type of tenant you intend to have and you own risk profile.

Typically though, insurance for let properties is usual inexpensive. Providing you are not looking to insure any real at risk properties, you should find you policy will be quite competitive.

A landlords insurance policy is not a legal requirement and there are no legal obligations to have a policy.

That said, if the property is mortgaged, then it is likely to be a contractual requirement of the mortgage to ensure the cost of repairing the property is possible.

Loss of rental insurance, also known as rent guarantee insurance, is a type of landlord insurance cover loss that provides protection for landlords against the loss of rental income if tenants are unable to pay their rent for reasons such as job loss or financial hardship.

This policy addon typically pays out a monthly rental income to the landlord for a specified period, which is usually up to 12 months. Some policies may also cover the legal fees associated with evicting tenants or recovering rent owed.

Having loss of rental income cover is particularly valuable to landlords who require that rental income to pay the mortgage on the property. Both residential and commercial landlords who financially require their rent payments on time should consider this as an addon to their quote.

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