Landlord Insurance

Reasons to choose Landlord Insurance

• £2 million Public Liability Cover as standard, you can increase it to £5 million or £10 million
• Choose from Buildings, Contents or Buildings and Contents Cover
• Rent Arrears cover - if your tenants can’t pay
• Landlord Boiler Cover with Buildings Insurance (doesn't include boiler servicing)
• Floor coverings insured for up to £5,000
• Specialist claims handlers will guide you through making a claim to help you protect your investment
• Access to a 24-hour legal advice line

What is Landlord Insurance?

Home insurance isn’t designed for rental properties, so getting the specialist cover you need to protect you from unexpected costs and damage to your buildings and contents is important.

Landlord Insurance covers you against the risks of renting or leasing a property, and letting to a third-party business.

Whether you're a commercial or residential landlord or considering renting out a property, you can get flexible cover to suit your needs and help keep your investment safe.

Landlord Insurance covers you for things like floods, fires, storms or burst pipes.

You can also choose to include extras like boiler cover, rent arrears cover (for residential properties only) and accidental damage cover to your policy.

Do I need Landlord Insurance?

If you’re a landlord or thinking about investing in a rental property, it's essential to have the right level of insurance in place.

Even though it isn’t a legal requirement, most buy-to-let lenders will want you to have Landlord Insurance in place before your tenants move in.

You can tailor your insurance to suit your property portfolio and cover your buildings and contents.

What does Landlord Insurance cover?

Landlord Insurance offers you cover for your buildings and your contents.

You can insure them separately or together on the same policy.

Buildings Insurance

If your buy-to-let property is unfurnished and doesn’t contain any contents, you can take out an insurance policy for the building only.

Buildings Insurance covers your property's 'bricks and mortar' up to £15 million.

It includes cover for things like fire damage, burst pipes, subsidence and vandalism.

Find out more about Buildings Insurance

Contents Insurance

If you're a residential landlord with a furnished or part-furnished property, Contents Insurance covers you against the cost of repairing or replacing accidentally damaged appliances and furniture.

Landlord Contents Insurance can cover you for up to £1.5 million of damage to furniture, fixtures, and fittings that don’t form a permanent part of your property’s structure.

This includes things like fridges, freezers, washing machines, tables, and floor coverings.

Find out more about Contents Insurance

What types of Landlord Insurance are there?

Residential Landlord Insurance

Choose Residential Landlord Insurance if you rent out a property to residential tenants.

This will cover the buildings and contents you can insure together or separately and the cost of rehousing tenants if the property is damaged.

Commercial Landlord Insurance

Commercial Landlord Insurance covers you if you let out a property to a third-party business, for example an industrial unit or shop.

Commercial properties are often built differently from residential properties and face different risks that a residential landlord policy won’t cover, including heating systems.

Buildings Insurance is compulsory for commercial premises.

Multi-Property Landlord Insurance

Select Multi-Property Landlord Insurance if you own multiple properties, or have a mixed portfolio of residential and commercial buildings.

You can insure up to 10 properties on a single policy online. If you need to insure more, just get in touch.

Things you need to know

• To get a quote, you need the following to hand: the year you become a landlord, the year the property was built, and the date of purchase.
• There's a £200 excess as standard, which you can change. If you change your excess it could affect how much your policy costs and the amount you need to pay if you make a claim.
• If you employ staff, you’re legally required to take out the right level of employers' liability cover. You can find more guidance and support on the Government website under Employers' Liability Insurance. If you have any employees or are a limited company, you will get employers’ liability cover included as standard in your landlord policy.
• If you're taking out Buildings Insurance, you need to know the buildings sum insured rebuild cost - this should take into account the cost of materials, debris removal, architects and surveyor fees, and inflation during the rebuild period. If you don’t know the cost of rebuilding the property, check a recent surveyor's report or use the ABI BCIS Rebuild Cost Calculator, as guidance.
• Quotes are valid for 45 days. To view a saved quote or log into your account, and click ‘retrieve a quote’.

Policy documents

You can read our Landlord policy documents below.

These documents are for you if your policy started before 26 April 2023.

These are standard documents that might be different to the ones you received when you took out your policy.

Log in to your account to find your individual policy documents.

Need some help?

Visit our help and support page for answers to common questions or to contact us if you want to talk to someone. 

Help and support