Voted ‘Best landlord insurance provider’ at the Insurance Choice Awards 2021.

What does landlord home insurance cover?

Landlord insurance protects you against certain risks in relation to your rental property. These will vary depending on what type of property you’re insuring, but can include:

Bullet Point

Landlord building insurance

Cover for your property’s structure against specific risks (like fire, theft and flood).

Bullet Point

Landlord contents insurance

Cover for certain items that you provide your tenants with (like furniture and white goods).

Bullet Point

Property owner’s liability

Legal liability protection for personal injury or property damage experienced by third parties.

Bullet Point

Periods of unoccupancy

Cover for specific periods of unoccupancy – depending on what type of cover you have.

What is landlord insurance?

Landlord insurance will provide cover to protect your buildings, contents or both against a range of risks, such as fire, flood, theft and malicious damage. Optional accidental damage insurance will further protect your buildings and/or contents against accidental damage caused by you or your tenants.

If you’re renting out a property, whether it’s a single residential house or a large commercial premises, it’s important to make sure that you’re fully protected. While it isn’t compulsory by law, it may be a requirement of your mortgage provider to make sure you have landlord buildings insurance in place. 

What types of property do we cover?

Student landlord insurance

Protect your student property with the insurance specialists for the education sector. Learn more about student landlord insurance.

Landlord portfolio insurance

Cover all your properties under one roof by adding them to one of our landlord portfolio insurance policies. Learn more about landlord portfolio insurance.

Commercial property insurance

Renting out a commercial property? We'll shape the right solution to meet your changing needs. Learn more about commercial property insurance.

Block of flats insurance

Specialist protection for landlords or management companies who let complete blocks of flats. Learn more about block of flats insurance.

Specialist landlord insurance

Specialist protection for properties that have experienced subsidence, flooding, unoccupancy and more – from our partners at A-Plan. Learn more about specialist landlord insurance.

Residential landlord insurance

Buildings and contents insurance for landlords, including cover for loss of rent and alternative accommodation costs. Learn more about residential landlord insurance online.

Landlord insurance: Your frequently asked questions

Not sure whether you need landlord insurance? We’ve pulled together some frequently asked questions to help you decide.

Do I need landlord insurance?

If you’re a landlord, it’s sensible to have specific rental property insurance in place. Normal home insurance will usually cover the basics like buildings and contents cover, but dedicated landlord house insurance in the UK will take your cover a step further – covering additional risks involved with renting a property (like accidental or malicious damage by tenants, or landlord insurance for an empty property – protection during periods of prolonged unoccupancy).

Your mortgage provider will usually require you to have landlord house insurance in place, and simple home insurance likely won’t cover rental activities, so securing the right landlord cover is important.

Who provides the best landlord insurance in the UK?

Endsleigh proudly won the title of Best Landlord Insurance Provider at the Insurance Choice Awards 2021. Covering a huge variety of different types of landlords, we pride ourselves on the competitive and flexible nature of our policies.

If you’re looking for landlord home insurance to fit your needs, we can help with insuring:

Multiple properties or mixed portfolio

Do you have multiple residential or commercial properties, a mixed portfolio of both, or a single property which is let to both residential and commercial tenants (such as flats above a shop)? If so, it could pay to insure them under one policy.

Residential properties 

A residential rental property is normally a house, flat or maisonette rented out to a tenant under a tenancy agreement. These types of properties could be let to students, non-students, families, professionals and so on.

Commercial properties

Commercial rental properties are let to commercial tenants for business purposes. Commercial premises are used by many different types of businesses and vary in size from shops and restaurants to leisure centres and factories.

What is commercial property insurance?

Non-standard properties

Non-standard rental properties are specialist rentals such as holiday homes, buildings of a non-standard construction or unoccupied properties. Rental properties that are affected by subsidence or liable to flooding are also likely to require specialist insurance cover.

Our partner, A-Plan can provide:

Blocks of flats

If as a landlord or management company you own all of the flats or apartments within a single block or complex, you may wish to insure them on a single policy. This will ease the burden of admin and could mean you get better value for money.

What type of landlord property insurance do I need?

While buying rental properties can be a great investment, those who are new to being a landlord don’t always realise that they may need specialist landlord insurance to protect the properties they rent out. This is often also a requirement for their mortgage providers. Luckily, there are many insurance options available to landlords to protect their let properties, and their income.

The type of landlord cover you need for your rental properties will depend on a number of factors, including:

What type of property are you renting? For example, is it a single residential property, or a block of flats?

How many properties do you own? If you’re insuring multiple let properties, portfolio insurance may prove cost-effective – you can find out more about multi-property insurance below.

Who are your tenants? If you’re renting to students you may want to consider specialist student landlord insurance.

Will the property be unoccupied? If it will be unoccupied long term, you may want to consider unoccupied property insurance.

Is it a permanent or temporary let? Is there an assured tenancy agreement in place, or are you renting it out as a holiday home? Endsleigh’s partner, A-Plan’s holiday home insurance will provide essential buildings insurance protection for your holiday or second home, including properties let through agencies such as Airbnb.

Is it being let furnished or unfurnished? This will tell you whether you need contents insurance as well as cover for the buildings.

Should I furnish my rental property?

What does landlord insurance cover?

Endsleigh’s residential landlord building insurance will provide cover for:

  • The cost for repairing or rebuilding your property, including garages, outbuildings, walls, gates, fences and patios, up to £1,000,000
  • Property owners’ liability up to £5,000,000 for bodily injury to any person by accident
  • Accidental damage to property
  • Employers liability up to £5,000,000
  • Malicious damage by the tenant or their guests up to £25,000
  • Up to 30% of the sum insured for loss of rent and up to £3,000 for alternative accommodation
  • Up to £7,500 trace and access cover

You can also choose to add useful covers to your policy, such as home emergency or landlord legal cover.

Please read your policy documents for full details.

What’s not covered?

We are unable to provide the following covers under our residential landlord insurance policy:

  • Wear and tear or costs for maintenance
  • Storm damage to gates, fences and hedges
  • Pet damage (although we can provide cover for this with our lets with pets landlord insurance)
  • Your tenants’ belongings
  • Your excess, as stated on your policy documents

Please read your policy documents for full details.

Find out more about Endsleigh’s commercial landlord insurance.

How much is landlord insurance?

The price of cover can vary and is determined by a number of factors. The premium is calculated based on your insurance history as an individual, as well as the insurance history of the property.

Other factors can include:

  • Property location
  • Type of property
  • Type and number of tenants
  • Claims history
  • The level of cover you need for the rebuilding cost of the property
  • The level of contents cover you choose, if you add this to your policy
  • Discounts are available for no claims history and if you’re an accredited landlord
  • Discounts may also apply if you take out landlord portfolio insurance, where you can insure multiple properties under the same policy. As a general rule of thumb, the more properties that are covered under a policy, the cheaper the premium.

It’s important to be as accurate as possible when you provide this information so your quote is reflective of your circumstances. If false or inaccurate information is provided, it may invalidate the policy in the event of a claim.

If you’re unsure and would like to chat to someone regarding a more accurate cost for your property, speak to one of our insurance consultants who will be happy to help.

How can I save money on my landlord insurance?

There are a lot of up-front costs to take care of when you become a landlord, which could include anything from letting and managing agent fees to the price of property maintenance - not to mention your mortgage (if you have one). Therefore, you’re likely to want to save money wherever possible – including on your cost of insurance.

To help you out, we’ve pulled together five simple tips that could help reduce the price of your landlord insurance:

1. Increase your excess

Opting for a higher buildings or contents excess could ultimately reduce the price of your landlord insurance – you’ll just need to make sure the excess is set at an amount you’re comfortable paying in the event of a claim.

2. Make sure your rebuild is right

It can be easy to over-insure, but unfortunately this can increase the price of your insurance - which is why it’s important to get the rebuild right for your properties. You can find out more about calculating your rebuild here.

3. Consider whether you need portfolio insurance

If you’re renting out multiple properties, you could get a cheaper deal by taking out multi-property insurance – not only that, but it’ll save a lot of time on the paperwork!

4. Avoid unnecessary cover

Think carefully about the protection you actually need for your property – for example, if the property is being let unfurnished you may not require cover for contents.

5. Decide whether to pay monthly or annually

While paying monthly is a great way to spread the cost of your insurance, you may pay slightly more to do so – so it’s worth considering whether you would prefer to pay annually to cut down your landlord insurance cost.

Can I include contents cover with landlord insurance?

If you’re letting your property furnished, you may require landlord contents cover to protect any items you own in the property. You can easily this cover onto your landlord buildings insurance with Endsleigh.

Endsleigh’s landlord contents insurance can protect your items - such as your carpets, curtains, furniture, household utensils, kitchen electrical goods and soft furnishings - against a number of different risks, such as if they are damaged in a flood or a fire or are stolen.

A single article limit of £2,500 applies and you cannot insure personal items or valuables or any items belonging to your tenants, so if you have any particularly expensive items (such as fine art or jewellery) you may need to investigate covering these separately.

In the event of a claim your contents will be replaced with a deduction made for wear and tear. This includes temporary removal cover and occupiers liability up to £2 million. Plus, we automatically provide protection for garden contents up to £500 and for gardening equipment up to £1,000.

Simply opt for landlord building and contents insurance when you’re researching the best policy for you.

Landlord insurance VS home insurance

What’s the difference between building and landlord insurance?

Buildings insurance is a type of home insurance which provides protection for the structure of a property against risks such as fire, theft and flood.

Landlord insurance, on the other hand, is a policy that can protect your rental property’s buildings and contents against risks such as fire, theft and flood, as well as providing cover for additional risks such as loss of rent and accidental damage or malicious damage caused by tenants. It’s all encompassing and specifically designed to support landlords with the risks that come with renting out a property.

The term ‘landlord insurance’ can also sometimes be used to refer to additional policies, such as rent guarantee insurance or home emergency cover – where you can get landlord insurance with home emergency cover included on one policy.

Do I need landlord insurance and home insurance?

While home insurance will provide protection for your property’s buildings and any contents that you own (depending on the covers you selected when you took out your policy), it won’t necessarily provide cover for the additional risks involved with renting out a property – such as accidental or malicious damage by tenants or landlord insurance for an unoccupied property, meaning protection for periods of prolonged unoccupancy.

Therefore, to ensure you’re covered against the specific risks that come with being a landlord, it’s important to take out house insurance for a rental property, as opposed to house insurance alone.

This is commonly called landlord insurance, and if you’re not interested in contents insurance, you can opt for a quote for buildings cover alone. With Endsleigh, the policy is yours to tailor.

Am I covered if my tenant causes damage in the property?

Yes - Endsleigh’s residential landlord insurance policy provides protection for malicious damage by tenants (and their guests) as standard up to £25,000.

Who pays building insurance, the landlord or tenant?

It is the responsibility of the landlord to have buildings insurance in place. It’s not a legal requirement, but if you have an outstanding mortgage, it may be a condition of your mortgage provider.

What happens if my property is damaged and I don’t have buildings insurance?

As a landlord, you are responsible for repairing any damage to your properties – whether you have buildings insurance or not. You’re responsible for the structure and exterior of the building along with areas like plumbing, sinks, baths and toilets, electrical work, water and central heating, water and gas pipes and more.

Endsleigh can provide cover tailored to you, so you can get building and landlord insurance on one policy.

Who needs landlord insurance?

Residential and commercial landlords need this cover if they wish to protect themselves against the risks that come with renting out properties. Although not a legal requirement, many mortgage providers will require landlords to have buildings insurance in place.

Is there a difference between landlord insurance and homeowner’s insurance?

Yes, there is. Although the principles are similar – providing protection against risks associated with damage to a building/contents – there are some key differences that are centred around the fact that landlords receive an income through their rental property, and have a responsibility to their tenants.

Home insurance would unlikely cover you if your property was let out to tenants. Landlord insurance provides some crucial additional protection like:

  • Protection against loss of rent
  • Property owners’ liability
  • Alternative accommodation
  • Protection for landlord’s contents
When to buy landlord insurance

It’s a sensible idea to get covered as soon as possible once you’re responsible for a rental property – to make sure you’re always covered against the key risks associated with renting to tenants.

If you have a mortgage, your mortgage provider may require you to have buildings insurance in place from the start of your agreement. In this case, buildings insurance is included with landlord insurance, so the sooner you get your cover in place, the better. 

Is landlord insurance compulsory?

Although not a legal requirement, if you have a mortgage, your provider will likely require you to have buildings insurance in place as part of your agreement. If you don’t have a mortgage, landlord insurance is still a sensible option if you want cover against risks associated with renting out your property.


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