Need to know more about residential landlord insurance?
Not sure what types of landlord insurance there are, or just want a bit more information before you get a quote? Find out more on the guide.Find out more
Residential landlord insurance will protect your buildings against a number of perils. You can also add landlord contents insurance to cover the items you supply to your tenants.
Your buildings covered for up to £1,000,000, including cover for fixtures and fittings, against a range of perils including fire, theft and flood.
The items that you supply for your tenants from £5,000 up to £60,000, such as white goods and furniture, including occupiers’ liability up to £2 million.
Malicious damage caused by your tenants and guests is included as standard up to £25,000
Compensation for loss of rent as a result of an insured event
Up to £5,000,000 cover for property owner’s liability included as standard
The standard unoccupancy period of 90 days is extended to 120 days for student properties.
Up to £3,000 for your tenants' alternative accommodation costs following a loss or damage covered under the buildings section of the policy that has made the property uninhabitable.
The cost of replacing keys and locks to an external door of your property following loss or theft of tenant’s keys
Cover to find the source of leaking water from any fixed water or heating installation up to £7,500
Accidental damage to underground drains, pipes, cables and tanks providing services to or from your property for which you are legally responsible
Rental properties come in all shapes and sizes, so it’s important that you find an insurance policy that meets your specific needs. With over 25 years’ experience, we have a number of flexible insurance options for landlords, whether you own a residential or commercial property, or even a portfolio.
With over 25 years' experience in the landlord market, our landlord insurance provides extended unoccupancy cover when your property is let to students.
Need to add cover to your policy? Our team of consultants are on hand to make sure your policy is tailored to your needs. Find out more about our optional extras below.
Are you a freeholder of a block of flats, or simply own multiple residential properties that you want covered on one policy? Speak to our specialist team on 0333 234 0039.
Has your rental property previously suffered from flooding or subsidence, or is your property unoccupied? Our partners at A-Plan provide cover for non-standard properties.
Deciding on a landlord insurance policy for your let properties is a big decision, and not one to be taken lightly. We’ve answered some of your most frequenty asked questions to help you make your decision.
Residential landlord insurance is buildings and contents cover for properties that are let to residential tenants. If you have a single property, then residential landlord insurance will most likely be the most suitable cover for your property.
If you have a non-standard property (such as a property undergoing renovation or that is unoccupied), you may require specialist cover to protect your property against all perils, so check with your insurer to find out what’s covered.
If you have multiple properties, it may be easier for you to add these to a landlord portfolio insurance policy. This will allow you to keep all of your properties covered under the same roof, with the same renewal date which will ultimately cut down on your paperwork.
You may also wish to take out rent guarantee insurance as a separate policy to protect your rental income against tenant default and the cost of eviction.
If you’re letting your property, then a standard home insurance policy is unlikely to provide sufficient cover to protect against all the potential risks involved with renting a property to tenants. For example, a landlord buildings and contents policy will provide additional protection for risks like malicious damage by tenants and loss of rent to protect against the heightened risk of having someone else living in your property, as well as your rental income.
If you require additional cover for your residential property, we can provide buildings and contents accidental damage cover to protect your property against accidental damage caused by you or your tenants. You can also add legal cover to your policy, which will provide up to £50,000 cover against and specialist advice for legal disputes for you and your property.
Home emergency is also an optional cover that can be added to your landlord buildings insurance policy to protect your property against the loss of essential services.