Landlord fixtures & fittings insurance

We guarantee to beat the renewal premium or quote of any other insurer when you take out a new landlord policy with us.

Cover on an equivalent basis to ours. Qualifying criteria apply. Doesn't apply when Landlord Emergency cover or rent guarantee is added. Terms & Conditions.

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

Fixtures and Fittings Insurance for Leasehold Landlords

We provide new-for-old fixtures and fittings cover, so you can insure the fixed units such as kitchens, bathrooms and skirting boards at your property.

If the unit is damaged, we will cover the cost of repairs. If it's beyond repair, we'll cover the cost of replacing the unit. (Our maximum limit that you can insure for this cover is £50,000).

This cover is for residential properties only and is designed specifically for landlords, who own a leasehold flat in a building that's insured under a freeholder's building policy but the buildings policy excludes cover for the leaseholders fixtures and fittings.

What's included in the policy as standard:

  • Permanent internal fixtures and fittings - including kitchens, bathrooms, toilets, sinks, internal doors, including door furniture, owned and provided by the leaseholder and not insured by any buildings insurance policy.
  • Damage to floor coverings - including carpets, lino and laminate floors.
  • Up to £50,000 of cover - to replace the fixtures and fittings new for old.
  • Replacement locks up to £25,000 - in case they're broken due to a burglary or need replacing because the keys have been stolen.
  • Alternative accommodation for tenants (up to the sum selected) - if the property can't be lived in due to an insured event, such as flood or fire.

How do I make a claim?

If you make a claim, we'll allocate a dedicated claims handler to look after your claim from start to finish, so your claim will get sorted with as little fuss as possible.

To make a claim click here

Take a look at our Landlord insurance here, some of the benefits of insuring your property with us are:

Legal documents service, business guides and 24/7 legal advice helpline as standard via DAS Businesslaw. For niche legal advice and some jurisdictions, the 24/7 helpline will refer you to specialist advisers, available Mon-Fri, 9am-5pm, excl. bank holidays.

Access to your own specialist claims handler should the worst happen

0% interest if you wish to pay by instalments in the first year to help spread the cost. 0% APR representative, subject to eligibility, 18s and over.

No administration fees for mid-term amendments

Landlord tips

How can we help?

Our virtual assistant is here to answer your questions. And in cases where it doesn't have the answer, we'll put you in touch with someone who can help.

Contact us

Opening hours:

  • Monday to Friday 8am - 6pm
  • Saturday 9am - 3pm
  • Sunday closed