Student landlord insurance

Student landlord insurance covers properties that are rented by students, or HMOs (Houses in Multiple Occupation). 

As a student landlord, you can take out additional insurance to cover your rental property, including; 

• Landlord buildings insurance
• Landlord contents insurance
• Landlord portfolio insurance
• Home emergency cover
• Legal expenses insurance

Landlord insurance is important for any let property owner as standard home insurance will not usually cover the additional risk of a property being let to tenants. It’s important to let us know what types of tenants you’re letting your property to when you get a quote. As well as providing the covers usually included with a standard home insurance - such as buildings and contents cover - landlord insurance will also provide additional protection to account for the fact that the property will not be owner occupied – such as loss of rent, alternative accommodation costs or extended unoccupied cover.

Before you rent out your property, create an inventory to make a note of any furniture or belongings being kept at the property, as well as their condition at the start of the tenancy. Your property inventory should be as thorough and in-depth as possible. Break it down by room and highlight all of the furniture and appliances, as well as the condition they’re in so you can keep a tabs on anything that gets broken. There are lots of free inventory templates available online, or you can just create your own from scratch.