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What is landlord insurance?

Having the benefit of renting out UK properties is a great way to create passive income. Protecting them with the right landlord insurance or buy-to-let insurance should be done right from day one.

The two million UK landlords out there need a push in the right direction.

• After investing a large amount of cash and taking on, buy-to-let mortgages can be costly and risky. If one of your properties burns to the ground, and you have no landlord insurance policy in place, your in for a headache.


• Expensive assets like houses of flats must have insurance in place, even if it's only landlord buildings insurance. Even the basic landlord insurance is for peace of mind and the banks' piece of mind, as you'll be required to buy a buy-to-let landlord insurance policy.


• This simple and easy to understand guide will make you aware of what a comprehensive landlord insurance policy covers. You can also see what it doesn't cover, compared to standard home insurance.

Are you ready for insurance a landlord should have, start comparing the best landlord insurance companies?

Get landlord insurance quotes*

Buildings, contents, rent guarantee, damage cover, you name it when you compare landlord insurance quotes with UK property experts.

Quotes provided by QuoteSearcher Ltd, who are authorised and regulated by the Financial Conduct Authority. FCA registration 504796.

What does landlord insurance cover?

• Landlords insurance is a type of insurance product that's adjusted for landlords who rent out properties under a business or even one property owners. You may need public liability insurance, employee liability insurance if you employ a ground maintenance team.


• The central aspect of landlords insurance is buildings insurance, which will cover you for fires and flooding and even subsidence damage. Next, you can add other insurance products like landlord contents insurance or rent guarantee insurance.


• Other products like landlord home emergency cover, covers the cost from break-in damage on your rented properties. This cover will pay for a locksmith and replacement keys and damaged doors.

• With home emergency cover, the insurer will leave the property safe and secure at any time of the day.

• You will have those options to choose from depending on the size of your portfolio. If you are a single property owner, you will have the same opportunities depending on what you want to pay.
  

Next, does a UK landlord need property insurance or not?

What landlord insurance policy do I need?

You will have to decide on that, and you will be better off after learning what you and what you do not need in a minute. Now you can have a look at the different option or opportunities you have when you are buying a policy.

Find out more about each part of a policy, then you can make the right choice when the time comes.

• Landlord buildings insurance and what it does
  
  
• Landlord contents insurance and why you need
  
  
• Landlord liability insurance for public liability and legal cover cover
  
  
• Do you need rent guarantee insurance for rent protection?
  
  
• Do you need emergency assistance insurance?

Landlord buildings insurance

Does what it says on the tin, it protects your building from disasters such as fires, which leaves the property unoccupied. Or if you live in a high-risk flood area, a landlord insurance policy will cover you as long as terms apply with the insurers.

• Damage caused to the structure
• Damage caused by subsidence
• Can cover conservatories and fitted kitchens

Landlord contents insurance

• A landlord contents insurance policy will cover the landlord's contents and not the tenant's contents. The tenants need to buy their own personal contents insurance policy.


• Landlord contents insurance also cover items like fixtures and fittings, white goods like washing machines and tumble dryers. It can include cover for carpets, sofas and other furniture (you have a recipe for, of course) you own as a landlord.

The policy can also cover the contents of communal areas, including stairs and landings. If you are thinking about contents only landlords insurance you can find out more about it here.

Rent guarantee insurance

This policy is not a way to pay the rent, but it will cover the rent if your insured property takes a disastrous turn. Like a fire breaking out or bad flood happens. Basically, if your property becomes uninhabitable a rent guarantee insurance policy will pay the rent, usually for up to 6 months until start renting it out again.

• The policy will also payout for alternative accommodation costs for your tenants while the work is being carried out by insurance contractors.

• If you happen to have a bad time and one of your properties lies empty for more than 30 days, you'll need to make sure you have unoccupied property insurance. If you want to pay for it, that is as it is not required by UK law, but it protects you against damages while it's waiting for another tenant.

• Also handly if you are renovating or making more rooms for student lets.

• And it's handy to have if you live a distance away from your property.

With a good landlord insurance comparison you can find the cover you need in jig time.

Accidental damage insurance

Again, it says what it is on the tin; the policy covers accidental damage caused by tenants or members of the public if you have expensive garden furniture.

Property owners’ liability (public liability) insurance

• Landlords need insurance if they are working with the public. As well as your building or contents insurance you will have some level of landlord public liability insurance, usually £5 million for claim made against you.


• Landlord liability insurance will cover you if one of your tenants makes a claim against you, and if it's your fault, you'll be glad you have a policy in place. Remember it is costly if you don't have a live policy and you're under the spotlight and for what it costs - £120 a year or around that figure.

It's worth it, don't you think?

The cost of landlord insurance?

Landlords insurance is a low-cost policy considering what you get for your money.

Well look at it this way - a £110,000 house or flat, all cover for a total loss, damages and everything else that a good policy covers for £120 per year if not cheaper in some cases, and that's for one property by the way.

Is it not worth what you pay?

UK landlord insurance legalities

Do you have to have landlord insurance by law?

• No, you do not need any type of business landlord insurance by UK law. If you employ people, you need employee liability insurance by law but not landlord insurance.


• If you own one property or maybe two at a push, you can get away with not paying for a policy, but why would you take that risk by not taking the basic level of buildings insurance for landlords?

The only legal requirement is the one made by banks and mortgage lenders by the way, not the UK government here. And because the mortgage holder must purchase landlord insurance just like a personal home mortgage, that's where you can't get away from not buying a policy.

They want the building insured at least, and it's up to you if you want extra protection like landlord contents and loss of rent insurance.

Complete this easy landlord insurance quote form and specialized landlord insurers will answer you back in a timely manner.

ℹ️ Handy information*

• The pros and cons to DSS letting and what to remember.
  
  
• Understanding buildings insurance in 5 minutes.
  
  
• All you need to know about contents insurance.
  
  
• A look at commercial buildings insurance.
  
  
• How much is landlord insurance?

Landlord insurance for multiple properties?

Compare landlord insurance for multiple properties? You might want to consider a block policy that covers all your properties under one roof, and you could save a tonne at renewal times.

Keep this in mind when looking at landlord insurance for multiple properties or portfolio landlord insurance, think block policy as keeps things all together, and it's more straightforward, and it could save you a few pounds every year.

And with some insurers, you can manage your policy online, over the phone and by email and you'll always get a quick when you contact them.

Take advantage of great insurers?

• Working with specialized landlord insurance companies who can help you straight after your quote. Then choose from a range of cover to protect your buildings and contents and landlord liabilities.

• Comparing the most important landlord and business insurers. Quotesearcher work with top and affordable landlord insurers all over the UK like CIA Insurance Services Limited and others such as Arthur J. Gallagher & Co.

Doing landlord insurance comparisons is a great way to save money - get a quote here.

Want help over the phone?

You will get results, and all you have to do is start telling us about your properties and press the "Get Quotes" button.

The companies will grab your details and give you a phone to go other your policy.

Before you learn more about landlord insurance and all its glory you might want to know what to expect with a policy. You can also find a great landlords policy also (as well as other types of insurance).

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