Landlord Insurance: we won't be beaten on price

We guarantee to beat your new quote or renewal premium from any other insurer.

New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Doesn’t apply when Landlord Emergency Cover is added. Terms & Conditions.

Join over 250,000 landlords who trust us
with their insurance.

  • Voted Best Landlord Insurance Provider at the What Mortgage Awards 2013 – 2019.
  • Add up to 15 properties on one policy, with one renewal date.
  • Your own specialist claims handler, who'll deal with your claim from start to finish.
  • Our Landlord Emergency claims line is open 24/7, so we can send help when you need it.

    Landlord Emergency can only be added at new business and renewal for an additional premium. Extreme weather conditions may extend response time. Residential properties only. Only insured emergencies are covered. Underwritten by U K Insurance Limited.

  • Add our market-leading Rent Guarantee to your policy and we'll cover any unpaid rent while your tenants are still in the property – up to £250,000 per claim.

    Cover purchased as part of legal expenses add on. Qualifying criteria apply. Eviction notice must have been correctly served before you can claim. Restricted claims for existing tenants in the first 90 days when product first purchased. Residential landlords only.

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What is landlord insurance?

Landlord insurance covers the risks you face when letting or leasing a property. If the building or the contents inside are damaged, or you get into a dispute with your tenants, you could incur some hefty and unexpected costs.

Our landlord insurance is designed to keep your investments safe and will help get your property back up and running, should something go wrong.

Get a quote
or call us on 0345 303 1763

What does landlord insurance cover?

Our landlord Insurance offers high levels of standard cover, plus options to increase limits and extend your cover if you need to. You also have the flexibility to lower your excess for a higher premium, or increase your excess for a lower premium, whatever works for you.

The following cover types are included in our landlord insurance, as standard:

  • New-for-old Contents Insurance, including Replacement Locks Cover.
  • Glass and Sanitary Ware.
  • Public Liability cover of £2m, with the option to increase.
  • Floor Coverings (up to £5k, with an option to increase).
  • We'll pay to re-house your tenants following an insured event such as a flood or fire, subject to policy limits.

    *Either buildings OR contents is standard, not both.

For an additional premium, you can add any of these covers to your landlord insurance policy:

  • Landlord Emergency – if there’s an insured emergency at your rented property, we’ll send out a contractor to deal with the problem.
  • Legal Expenses – covers the cost of defending your legal rights. Includes Repossession Cover, Nuisance and Eviction of Squatters Cover, and Tax Protection.
  • Rent Guarantee – part of our legal expenses add-on, rent guarantee covers unpaid rent if your tenants are still living in your residential property.
  • Loss of Rent – this covers lost income if your property becomes uninhabitable following an insured event, such as a fire or a flood.
  • Accidental Damage for buildings and/or contents when you've insured them.
  • Employers' Liability – this covers you if an employee makes a claim against you for a work-related injury.
  • Theft by Tenant Cover.
  • Malicious Damage by Tenants.

If you take out a policy with us, you can also take advantage of the following benefits:

  • 0% interest if you pay by instalments in the first year

    Subject to eligibility, over 18's only.

  • No admin fees if you make changes or add further properties to your policy.
  • Add up to 15 properties on one policy, with one renewal date.
  • Access to our 24/7 legal helpline.
  • Access to your own specialist claims handler should the worst happen.
Get a quote
or call us on 0345 303 1763

Do I need landlord insurance?

Your home insurance policy is unlikely to cover activity in your rented property. So, if you want to safeguard your income, it's important to obtain specialist landlord insurance.

Although landlord insurance isn't a legal obligation, most buy-to-let mortgage lenders will require you to take out insurance before your tenants move in.

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    Please ensure that the information provided by you is correct, and you comply with the statements on this page. If your circumstances change between the date you purchase the policy and the policy start date, please call us. Failure to do so may mean that your insurance policy is not valid or that we may not pay all or part of your claim(s).

    We don't charge administration fees for mid-term changes to your policy.

    If you decide to cancel your policy during the period of insurance an administration fee for cancellation will apply amounting to 1/12th of your annual premium, up to a maximum of £50.00 (calculated at the time of cancellation, plus current rate of Insurance Premium Tax where applicable).

    The below statements are what you need to agree with for us to be able to offer you this insurance policy.

    Neither You, nor Your Directors nor Your Business partners:

    • have ever had a proposal for insurance declined or special conditions imposed by any Insurer
    • have ever been convicted of or charged (but not yet tried) with a breach of any health and safety legislation, or any other criminal offence other than parking or speeding offences or offences which are spent under the Rehabilitation of Offenders Act 1974
    • have been the subject of a County Court Judgement and/or ever been cited in any unsatisfied court judgements (or the Scottish equivalent) within the last 10 years
    • have been subject to bankruptcy or insolvency orders which are either outstanding or have been discharged for less than 5 years 

    You/Your business:

    • comply with all of your legal obligations as a landlord
    • do not have agreed letting periods of less than 6 months

    Important statements about your Property/Properties:

    Your property/properties:

    • are built solely of bricks, stones or concrete and roofed solely of slates, tiles, asphalts, concrete, metal or other incombustible materials other than flat roofs
    • are maintained in a good state of repair
    • are not Grade 1 Listed in England and Wales, Category A in Scotland, Grade A in Northern Ireland, or the equivalent within the Channel Islands and Isle of Man
    • are not used as holiday homes
    • are not sub-let

    Your property/properties is not occupied/let to:

    • halfway houses
    • bedsits
    • housing associations
    • Local Authorities
    • asylum seekers

    Important statements about your tenants:

    • only those individuals who have signed the tenancy agreement with you shall permanently reside at the property unless they are:
      • members of the same family
      • the partner of the tenant
      • individuals under the age of 18 for whom the tenant is the legal guardian
    • at least one of the individuals who have signed the tenancy agreement must be either employed, in full time education, retired or in receipt of a disability benefit at the point of signing the tenancy agreement.

Policy documents

View and download policy documents here

The following policy documents apply to policies that were bought or renewed after 8 April 2018 but before 1 April 2019.

The following policy documents apply to policies that were bought or renewed on, or after 1 April 2019 but
before 28 August 2019.

The following policy documents apply to policies that were bought or renewed on, or after 28 August 2019 but before 8 September 2019.

The following policy documents apply to policies that were bought or renewed on, or after 8 September 2019.

Get a quote
or call us on 0345 303 1763

Landlord tips

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rental property?

Find out more about our
multi-property insurance

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Frequently asked questions

About Landlord Insurance

  • QWhat does Rent Guarantee cover me for?

    Rent Guarantee covers unpaid rent while your tenant or ex-tenant is still in your residential property in the UK. You can make a claim once the rent has been overdue for at least one calendar month. It covers you for up to £250,000 per claim and there’s also no excess and no limit to the number of claims you can make per year.

    Once you get your property back, you may find it needs repairs for it to be let out again. The cover will pay 50% of the rent you had previously received whilst letting it out while the repairs are happening for up to three months or until the property is let, whichever happens first.

    To get this cover feature, you need to have a landlord insurance policy with us. You'll also need to take out our Legal Expenses cover to be able to add Rent Guarantee.

  • QDo you cover boilers?

    If you select our Buildings cover, you’ll automatically get Equipment Breakdown cover. This pays to repair or replace your boiler, irrespective of its age, if it breaks down, but excludes wear and tear. Read more about our boiler insurance cover.

    To make a claim, you need to arrange for a boiler engineer to visit your property and assess the boiler. They need to submit their report to us, so we can assess whether the claim is covered. If it is, we’ll reimburse you for the repair/replacement costs, including parts, labour and call out charges, less the £200 excess.

    This cover is not a maintenance contract – it doesn’t cover servicing or Gas Safety Certificates (CP12).

  • QWhat's my rebuild cost and where can I find it?

    The rebuild cost is the total cost of the work needed to completely rebuild your property and put it back to the condition it was in before if it was destroyed beyond repair. It’s not the same as the market or resale value of the property.

    If you’re not sure of the rebuild cost, a calculator is available when you get a quote with us. It uses data from the Building Cost Information Service (BCIS) provided by the Royal Institution of Chartered Surveyors.

    The BCIS can’t provide rebuild costs for all properties – in particular it can't provide the value for a flat - so the calculator button might not appear, or you might not see any values when you click on the button.

    If the BCIS can’t provide you with a value, you can get your rebuild cost from a qualified surveyor, your mortgage adviser or letting agent, or if you’ve recently had a property survey.

  • QWhat do Legal Expenses cover me for?
  • QDo you cover properties that have tenants in receipt of benefits?

    We offer cover providing at least one tenant in the property, is employed, retired, in full-time education or on disability benefits at the time they signed the rental agreement with you (subject to you also meeting our other acceptance criteria).

    At this time, we don't cover properties where all of the tenants are full-time unemployed and claiming unemployment benefits.

  • QDo you cover HMOs (Houses in Multiple Occupation)?

    We don’t specifically exclude HMOs. We can accept some HMOs, for example, some student rental properties, whereas we can’t accept others, such as bedsits. Please call us on 0345 303 1763 to find out whether we could cover your property.

  • QWhat type of landlord insurance do I need?

    We offer a range of cover types to deal with the different problems a landlord might face. These covers can be built into a single policy.

    When you take out a residential landlord insurance with us, you can choose to include buildings insurance or contents insurance, as standard. Buildings Insurance covers structural damage to the building, damaged caused by escape of water, and damage to your boiler. Contents Insurance covers the furniture, free standing white goods and homewares you've left inside your property for your tenants to use.

    If you take out commercial landlord insurance, you are required to take out Buildings Insurance.

    If your tenants get into financial difficulties, and are no longer able to pay their rent, Rent Guarantee can cover your lost income. Meanwhile, Loss of Rent covers you if your property becomes uninhabitable due to an insured event, such as a fire or flood.

    These are just some of the covers we offer. You can see a breakdown of our landlord insurance here, to see what might be useful for you.

  • QIs landlord insurance legally required?

    It is not a legal requirement to take out landlord insurance. However, if you have a buy-to-let mortgage, your mortgage lender may request that you take out insurance before letting the property.

  • QDo you insure unoccupied properties?

    Yes we do insure unoccupied properties in certain circumstances. We don’t look to provide long term cover for unoccupied properties but we understand they may be unoccupied because:

    • you've just bought the property
    • are in between tenants
    • are redecorating and/or refurbishing the property

    We’ll need to understand your specific circumstances to confirm whether we’ll be able to offer you cover. Any cover provided would be subject to the property being occupied within 60 days of unoccupancy.

    If you want to insure an unoccupied property, and you meet the two requirements below, please call us on 0345 303 1763 .

    1. The property is for rental and not personal occupation.
    2. Any improvement works undertaken are decoration only, rather than major renovation works.
  • QWhat are the exclusions on this policy?

    Please refer to the policy summary document where we detail the general exclusions. For more details please refer to your policy wording or call our customer services department on 0345 303 1756.

  • QWhat conditions do I have to comply with if my property is unoccupied?

    You need to inform us if your property becomes unoccupied during the term of your policy (and let us know when it becomes occupied again if you’ve previously told us that it was unoccupied).

    After your property has been unoccupied for 30 days, you need to:

    • turn off all services at the mains (except electricity if needed to maintain any fire or intruder alarm system)
    • drain the water and heating system, or between 1 October and 31 March, maintain the property at a minimum temperature of 10°C 
    • inspect your property (inside and outside) every 7 days
    • remove mail and newspapers during each inspection
    • make sure the property is secured

    After your property has been unoccupied for 30 days, we won’t cover damage caused by escape of water, riot or theft.

  • QCan I buy a policy if I live outside the UK?

    Yes, you can, provided that the property you are insuring is in the UK. We don't insure property outside the UK.

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