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About landlord buildings insurance

About landlord contents insurance

A landlord contents insurance policy will cover the landlord's "business owned" contents, and not the tenant's personal contents.

Perfect if you rent furnished lets.

Landlord contents insurance includes cover for things like fixtures and fittings, carpets, sofas, white goods like washing machines and tumble dryers and other other internal assets owned by the landlord.

• Damage caused by tenants or burglary*
• Damage caused by acidental damage
  
• Damage caused by malicious damage
• Theft of property
  

A written policy will have full details.

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Click here to do a landlord insurance comparison.

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• Landlord buildings insurance and what it does.
  
  
• Landlord contents insurance and why you may need.
  
  
• Landlord liability insurance for public liability and personal protection.
  
  
• Do you need rent guarantee insurance?
  
  
• Learn about emergency assistance insurance?

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Is Landlord Insurance Worth It?

Let's find out if landlord insurance is worth the money you pay for a policy?

To keep this simple and straight to the point, look at it like this: A policy could cost you between £120 to £150 for a standard buildings insurance policy for a £120,000 house or a flat.

You make £5,000 to £7,000 per year renting it out, so there is room for a small and necessary investment here. At least get buildings insurance for fire and flood damage, then think about a content insurance policy if your content is over £5,000 to replace.

Now it's up to you to decide if you want to pay for a policy, but just a wise word - it seems like your paying for nothing but what happens in just say10 years, your tenant burns the place to the ground?

It could have been an accident or maliciously done. Does matter, your paying for that clean-up and re-build cost. And if you live in a place where floodings common, it makes sense to have insurance, landlords.

Actually, landlords insurance is one of the cheapest products out of all those different types of insurance, like van and taxi insurance or any other business insurance.

Save money with second-hand furniture

If you're renting to a tenant and you provide second-hand furniture, you can just replace it or ask the tenant to replace it if it was the fault. And yes, it's not always easy to get money from people, but buying second-hand furniture can save you buying landlord contents insurance.

So, do you think your property at least deserves a buildings insurance policy?

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What does landlord insurance cover?

Let's go over some aspects of a policy and see what's, what.

• 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.
  

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Other available "add-on" options*

The basic building and contents insurance does most UK landlords, but some landlord's need other business saving options, like these add-ons below. You can buy separate policies from more than one insurer, but sticking to one insurer does save money.

Rent guarantee insurance

A rent guarantee policy is great for larger landlords with portfolios or buy-to-let landlord with mortgages payment to make. If the tenant stops paying the rent because they can't actually live in your property because of a fire or a flood, how do you deal with that or at least know you have an option with rent guarantee insurance.

Learn more about it, below:

• Rent guarantee insurance 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 wrecks the place.

• If your property does become uninhabitable a rent guarantee insurance policy will pay the rent, usually for up to 6 months until you start renting it out again.
  
  
• The policy can also payout for alternative accommodation costs for your tenants while the work is being carried out by insurance contractors.
  
  
• If you have a few months finding a good tenant and it lies empty for more than 30 days, you'll need to make sure you have unoccupied property insurance or let your current insurer know about it.
  

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 furniture or house contents.

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 to £150 a year or around that figure.

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The cost of landlord insurance?

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.

UK landlord insurance legalities

Q: Do you have to have landlord insurance by law?

• No, you do not need any type of insurance for landlords by UK law, part from employee liability if you employee full-time maintaince staff, you must have that by law.


• 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?
  
  
• Mortgage lenders may require you to have property insurance, but it's not against the law to have it.
  

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ℹ️ Landlord guides*

• 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 for large properties.
  
  
• How much is landlord insurance?

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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.

What landlord insurers are available when comparing on UKLI Compare?

• 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 and many more.
  

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).

1. Click here for help over the phone.
   
   
2. Or do an online quote for a faster time frame.

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