AT A GLANCE
Category
Home
Cover type
Landlord cover
Cover start
After acceptance
Decision
Instant or review
Payment
Monthly or annual
WHAT IS LANDLORD INSURANCE?
What is landlord insurance?
Landlord insurance is specialist cover for residential rental properties. It can help protect the building, landlord-owned contents and property owners’ liability, with some policies offering additional options such as rental income protection, legal expenses or cover for certain types of tenant damage.
WHO SHOULD CONSIDER IT?
Who should consider landlord insurance?
✓ Residential landlords letting a house or flat
✓ Property investors with one rental or a wider portfolio
✓ Owners of furnished or unfurnished rental properties
✓ Landlords who want buildings, contents or liability cover tailored to rental use
✓ Property owners whose mortgage or letting arrangement requires specialist landlord cover
WHAT IS COVERED?
What is covered?
Cover varies by insurer, plan level and optional extras. Some benefits may only apply if selected, accepted and shown in the policy documents.
✓ Buildings cover for insured damage to the rental property
✓ Landlord contents cover for items you provide in a furnished property
✓ Property owners’ liability if a tenant, visitor or third party makes a covered claim
✓ Some policies may include loss of rental income after an insured event
✓ Alternative accommodation may be available for tenants depending on the policy
✓ Legal expenses may be available as an optional or included benefit
✓ Tenant damage may be covered only where the policy specifically includes it
Ready to apply?
Start your application and we’ll guide you through the property, tenancy and cover questions. Cover does not begin until your application is accepted and confirmed.
Start your application
KEY BENEFITS
✓ Cover designed for rental properties rather than owner-occupied homes
✓ Options for buildings, contents and liability protection
✓ Some policies may help with rental income following an insured event
✓ Legal expenses, tenant damage and alternative accommodation may be available depending on the policy
✓ Flexible protection for individual properties or wider portfolios
WHAT ISN’T COVERED?
What isn’t covered?
• General wear and tear, gradual deterioration or poor maintenance
• Tenant contents and personal belongings
• Properties left unoccupied beyond the policy’s stated limit
• Damage or losses that are not insured events under the policy
• Undeclared commercial, short-term or non-standard letting arrangements
• Existing issues or claims that began before cover started
HOW THE APPLICATION WORKS
How the application works
01 Tell us about the property — Share the address, construction, occupancy, tenancy type and cover you want. 02 Review your quotation — Check limits, excesses, assumptions and optional extras such as legal expenses or tenant damage cover. 03 Apply and confirm — Submit the application, answer any follow-up questions and wait for acceptance before cover starts.
FAQS
What is landlord insurance?
What cover can a landlord policy include?
Are tenant belongings covered?
Is rental income always included?
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