Welcome to landlord insurance

Our landlord insurance will cover your investment from the risks you could encounter when renting out your property, including malicious and accidental damage as standard.

 
Ordinary home insurance often doesn't give the right amount of cover for landlords. That's where landlord insurance comes in; this insurance is specifically designed to ensure that your rented properties are properly covered and to help if things go wrong.

 

Let's talk about landlord cover

We've created our landlord insurance with you in mind. You will receive the following as standard with your policy:

Landlord buildings insurance

For added peace of mind, your property's external and internal structures (the walls of your property) will be covered against major unexpected events or damage, such as:

  • Fire
  • Flood and burst pipes
  • Vandalism
  • Theft

Malicious damage

Imagine discovering that an unhappy tenant has deliberately damaged your property. It's every landlords worst nightmare. There's no need to panic; we'll help with the repairs needed to get your property back to a lettable condition (subject to tenant's employment status) for no extra cost.

Accidental damage

Accidents happen, we're all human. Whether it's a foot through the ceiling or a broken window, thanks to your landlords insurance, accidental damage caused by tenants is covered as standard (subject to your tenant's employment status).

Choose from our optional extras

Add cover to suit your needs:
Landlord contents cover

Cover the contents you’ve put in your property for your tenants to enjoy 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 suffers from a burst pipe or fire and your tenants need to move out whilst it is being sorted, you’ll be covered for loss of rent. Plus, we’ll cover temporary alternative accommodation costs if the property becomes uninhabitable for your tenants.

Home emergency cover

With home emergency cover, we’ll pay up to £1,000 to cover the repair costs. Please note, we do not cover any incident which occurs during the first 7 days following the start of your home emergency cover. Whether there’s a water leak or your property has been broken into, home emergency cover will have your back by sending one of our authorised tradespeople to fix what needs fixing.

Why choose our cover?

You'll get the following benefits as standard:
Help when you need it most

We’ve got 4 individual helplines available for our landlord insurance customers. Ensuring you get the help you need when you need it most. This includes tax, counselling, legal expenses and health & safety helplines.

More for less

What you see is what you get. You'll find malicious and accidental damage included as standard with your landlord insurance.

Alternative accommodation cover

If your property is damaged and becomes uninhabitable and your tenants need to move out temporarily, we’ll be able to help. Our alternative accommodation costs included with our optional loss of rent cover will make sure your tenants have a roof over their head. Plus, you won’t be out of pocket either.

Commercial landlord cover

Do you own commercial properties? Don’t forget to check out our commercial landlord insurance. Get the right level of cover for a competitive price; protecting your assets and your wallet.

Find out more

Frequently asked questions

Still got a question? Here are some answers to our customers' most asked questions.

Can I get landlords insurance on a residential mortgage?

If you have permission from your mortgage lender in the form of a 'consent to let', you should be able to get landlords insurance.

 

What landlord insurance do I need for a flat?

Our landlord insurance covers flats, bungalows and houses. If you're insuring a flat, you may want to check your management or service agreement to make sure you don’t already have cover for the building. Landlord contents cover is also available for furnished flats.

 

Is landlord insurance mandatory?

No - as a landlord, there are no legal requirements stating that you have to have landlord insurance. However, the majority of buy-to-let mortgages require you to have it.

 

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