Every 35 seconds, someone chooses MORE THAN ^

Every 35 seconds, someone chooses MORE THAN ^

Protecting customers with insurance since 2001

Important product update

From 29 February 2024, MORE THAN will no longer offer landlord or commercial landlord insurance to new or renewing customers.

If you're a current customer, there is no need to worry. You'll continue to be insured and your cover will carry on as normal for your full policy year. You can get in touch with us to make a claim and make any other changes in all the usual ways. 

We will contact you in plenty of time before your renewal is due with details about next steps.

If you're a new customer with a quote that's valid for a set amount of time, you'll be able to retrieve your quote. You won't be able to retrieve any landlord insurance quotes after 29 February.

Check our FAQs for more details, or go to our contact us pages if you would like to get in touch.

Keys on hooks.

Landlord insurance

On average, our customers pay £195 a year for landlord insurance

Keys on hooks.

Excludes optional extras. New customers only. MORE THAN data from 1 August 2022 to 31 January 2023.

Defaqto landlord insurance logo.

5 Star rated Landlord insurance

Defaqto rated MORE THAN Landlord cover so highly, they gave it 5 Stars.

Do you have a policy with us?

Find ways to get in touch and view the policy wording on our existing customers page.

What is landlord insurance?

Landlord insurance is specifically designed to cover rented properties if things go wrong. Ordinary home insurance might not give you the right amount of cover, but our landlord insurance will cover your investment - including malicious and accidental damage as standard.*

Claims range from falling trees and spillages, to fire damage and burst pipes.

Landlord insurance isn't a legal requirement, but is often needed for buy-to-let mortgages. 

Why choose our landlord cover?

You'll get the following benefits as standard:

Help when you need it most

  • Choose from 4 individual helplines, so you get help when you need it most
  • This includes our tax, counselling, legal expenses, and health and safety helplines

What you see is what you get

  • You'll get malicious and accidental damage included as standard with your landlord insurance*

Alternative accommodation cover

  • We'll help if your property becomes uninhabitable due to an insured event and your tenants need to move out temporarily
  • Alternative accommodation costs included with our optional loss of rent cover will ensure you won't be out of pocket**

What's covered by our landlord insurance

You'll be covered for

Landlord buildings insurance - your property's external and internal structures will be covered against major unexpected events or damage, like fire, flood, burst pipes, vandalism and theft

Malicious damage, riots or civil commotion - we'll help with the repairs needed to get your property back to a lettable condition.*

Accidental damage - if you accidentally break a window or slip and put a foot through the ceiling*

Subsidence - optional for commercial premises

You won't be covered for

Malicious damage, riots or civil commotion - if the property has been unoccupied for over 45 days

Accidental damage - if the property has been unoccupied for over 45 days

Property damage over £25,000 - if caused by tenants who are cultivating controlled substances

Accidental escape of water - like if an automatic sprinker is left on when the building is unoccupied

Choose from our optional extras

Once you have landlord insurance with us, you can add cover to suit your needs:

Landlord contents cover

  • Cover the contents you’ve put in your property for your tenants with landlord contents cover
  • Upgrade your contents cover up to £5,000, £10,000, £25,000 or £50,000

Loss of rent

  • If your property becomes uninhabitable after an insured event and your tenants need to move out, you’ll be covered for loss of rent during repairs
  • We'll also cover the costs you may incur while providing alternative accommodation for your tenants**

Home emergency cover

  • Our home emergency cover pays up to £1,000 to cover repair costs
  • Any incident that occurs during the first 7 days following the start of your home emergency cover isn't covered
  • If there's a water leak or break in at your property, we'll send one of our authorised tradespeople to fix it

Important information

*Subject to tenant's employment status.

**Residential property only.