Everything UK landlords need to know about buildings cover, loss of rent protection, liability and legal expenses insurance.
Standard home insurance is not valid for rental properties
If you rent out a property on standard home insurance and make a claim, your insurer may refuse to pay out. You need specialist landlord insurance from day one.
Covers the structure of the property against fire, flood, subsidence and other damage. Required by most mortgage lenders.
Covers furniture and appliances you provide in a furnished or part-furnished rental. Not needed for unfurnished properties.
Pays your rental income if the property becomes uninhabitable due to an insured event. Typically covers 12-24 months of rent.
Covers claims from tenants or visitors injured at the property. Usually £1-5 million of cover.
Covers the cost of eviction proceedings, rent recovery and other legal disputes with tenants.
Covers accidental damage caused by tenants beyond normal wear and tear. Optional add-on.
Contact us and we will refer you to a whole-of-market landlord insurance broker who can compare quotes from leading UK insurers.
Get insurance quotesBuildings insurance is not a legal requirement but is almost always required by mortgage lenders. Standard home insurance is invalid for rental properties — you need specialist landlord cover.
Typically £150-400 per year for a standard property, depending on location, value, whether furnished and the level of cover. HMO properties cost more to insure.
If you are renting a room in your own home, tell your home insurer about the lodger. Many standard home insurance policies extend to cover this, but you must notify them.
Fair wear and tear, deliberate damage by the landlord, properties unoccupied for more than 30-60 days (check your policy), and damage covered by the tenant's own contents insurance.
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