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Compare landlord insurance quotes for UK property owners, buy-to-let landlords and residential property investors. Explore cover options for buildings, property owners’ liability, loss of rent and more, helping you protect your property and rental income.
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If you own a rental property, choosing the right landlord insurance can be an important part of protecting your investment. Whether you need buy-to-let insurance, property owners insurance or more specialist cover for a larger portfolio, the right policy can help protect your buildings, liabilities, rental income and day-to-day landlord risks.
As an insurance broker, we can help you compare landlord insurance quotes from insurers and schemes that may be suitable for your property. Cover always depends on the insurer, the property type, occupancy, tenant type, claims history and policy wording, but the typical areas below are often considered by landlords looking for broader protection.
Buildings insurance is one of the core parts of many landlord insurance policies. It may help cover the structure of the property against insured events such as fire, storm, flood, escape of water, subsidence or accidental damage, depending on the insurer and policy selected.
Property owners’ liability insurance can be an important cover for landlords. It may help protect you if a tenant, visitor or contractor makes a claim for injury or property damage arising from your ownership or management of the insured property.
Some landlord insurance policies may include cover for loss of rent if your property becomes uninhabitable following an insured event. This can help protect rental income while repairs are carried out, subject to policy terms, limits and insurer acceptance.
If you leave furnishings, white goods, carpets, curtains or appliances in the property, landlord contents insurance may be worth considering. This can help protect the items you own within the let property, rather than the tenant’s own possessions.
Rent guarantee insurance can be an important add-on for some landlords. Depending on the insurer and eligibility criteria, it may help protect your rental income if a tenant stops paying rent and could also include legal expenses linked to regaining possession of the property.
Depending on the policy, landlords may be able to include accidental damage cover or malicious damage cover. These options may help where insured damage is caused to the building, fixtures, fittings or landlord-owned contents by tenants or other parties.
Some policies may include cover towards alternative accommodation costs where tenants cannot stay in the property after an insured event. This can form part of wider landlord buildings insurance, subject to the insurer’s terms and available cover limits.
Legal expenses cover may be available as an add-on to landlord insurance. This can sometimes help with legal costs relating to tenancy disputes, eviction proceedings, property damage recovery or contract issues, depending on the scope of the cover selected.
Landlord insurance may be arranged for a range of property types including single buy-to-let houses, flats, HMOs, multi-unit blocks and some larger property portfolios. Acceptance depends on the insurer, property construction, occupancy and tenant profile.
Owning a rental property can involve much more than collecting rent each month. Landlords often face risks linked to property damage, liability claims, unexpected repair costs, rent interruptions, tenancy disputes and legal issues. Whether you own one investment property or manage several buy-to-let properties, having the right landlord insurance policy in place can help protect your long-term investment.
When people search for landlord insurance, buy to let insurance, property owners insurance or rent guarantee insurance, they are usually looking for cover that reflects the real-world needs of letting residential property. That is why it is important to compare not just the price, but also the cover level, exclusions, add-ons, excesses, tenant criteria and the insurer’s approach to landlord-specific risks.
Looking for answers about landlord insurance, buy to let insurance or rent guarantee insurance? Below are some of the most common questions asked by UK landlords, property owners and residential investors.
Landlord insurance is a type of insurance designed for people who let out residential property. Depending on the insurer and policy wording, it may include cover for the building, property owners’ liability, landlord contents, loss of rent and a range of optional add-ons.
Many landlords choose specialist landlord insurance for buy-to-let properties because standard home insurance is not usually designed for rented properties. The cover you need will depend on your property, tenant type, lender requirements and insurer criteria.
Landlord insurance can vary by insurer and policy wording, but it may include buildings insurance, property owners’ liability, landlord contents cover, loss of rent, accidental damage, malicious damage and other landlord-specific options.
No. Home insurance is generally intended for owner-occupied properties, while landlord insurance is designed for rental properties. Landlord insurance may include features and options more relevant to letting property to tenants.
Many landlord insurance policies can include buildings insurance, subject to insurer acceptance and the cover selected. This may help protect the structure of the property against insured risks such as fire, storm, flood or escape of water.
Property owners’ liability insurance is a cover landlords often consider important. It may help protect you if a tenant, visitor or contractor claims they were injured or their property was damaged in connection with the ownership or maintenance of the insured property.
Rent guarantee insurance is an optional add-on that may help protect your rental income if a tenant stops paying rent, subject to the insurer’s terms, tenant referencing requirements and policy conditions. Some policies may also include legal expenses linked to possession proceedings.
Some landlord insurance policies may include loss of rent cover if the property becomes uninhabitable following an insured event. This can vary by insurer, so it is important to check the policy wording, limits and exclusions.
Yes, landlord insurance may be available for different property types including flats, houses, buy-to-let properties, HMOs and some landlord portfolios. Acceptance depends on the insurer, the property details, tenant type and your letting arrangements.
Yes. You can compare landlord insurance quotes online through Compare Crazy. As an insurance broker, we help landlords compare cover options from insurers and schemes that may suit their property and insurance requirements, subject to underwriting acceptance.