Protect your rental properties with specialist landlord insurance. Complete one short form and let insurers contact you with competitive quotes.
Provide details about your rental properties, including property type, value, and letting arrangements.
Landlord insurance providers review your details and contact you with tailored quotes.
Review the quotes you receive and select the policy that provides the right protection for your portfolio.
Your standard home insurance won't cover a property you rent out to tenants. It's a different risk profile — tenants, not you, are living there day-to-day, and the claims that come up (escape of water, liability, loss of rent) are specific to letting.
Landlord insurance is built around buildings cover as the core product, with optional extras like contents, liability, and legal expenses layered on top. If you already own rental properties and are based in the UK, we have partnered with Quotezone.co.uk to help you compare quotes from specialist landlord insurance providers. Landlords with portfolios of two or more properties tend to get the most competitive rates.
Landlord insurance is designed to cover the risks specific to renting out residential property. A typical policy may include:
Buildings insurance is the most essential element. If you have a mortgage on the property, your lender will almost certainly require buildings cover as a condition of the loan.
Landlord insurance is for UK-based property owners who already own residential properties they let to tenants. If you haven't purchased a property yet, you'll need to arrange cover once the purchase completes — insurers require details of an existing property to provide a quote.
The types of landlords who use this service include:
Insurers tend to offer the most competitive rates to portfolio landlords with two or more properties, where the buildings sum insured is above £150,000. Houses and bungalows generally attract better premiums than flats or apartments, though cover is available for all property types. Remember that landlord insurance covers your properties — your personal car insurance and other policies remain separate.
Buildings insurance is the foundation of any landlord policy. It covers the structure — walls, roof, floors, fitted kitchens, bathrooms, and permanent fixtures — against damage from fire, flooding, storm, subsidence, and other insured events. If you have a mortgage on the property, your lender will almost certainly require buildings cover as a condition of the loan.
Contents cover is an optional add-on that protects items you own inside the property: furniture, curtains, carpets, and white goods in furnished or part-furnished lets. If you let unfurnished, you may not need contents cover at all. Insurers generally won't offer a contents-only policy for a rental property without buildings cover in place first — the buildings element is the core product.
Your tenants are responsible for insuring their own belongings. It's good practice to recommend that tenants arrange their own home contents insurance.
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If you own two or more rental properties, a portfolio landlord insurance policy brings them all under one agreement. Instead of managing separate policies with different renewal dates, excesses, and insurers, everything is consolidated — one renewal, one insurer, one point of contact for claims.
Portfolio policies are where the specialist landlord insurance market really comes into its own. Insurers can offer flexible cover that accounts for different property types within the same portfolio — say, a terraced house let to professionals in one town and an HMO let to students in another. Cover levels, sums insured, and even tenant types can vary across the portfolio without needing separate policies.
For landlords scaling a property business, this also makes accounting simpler — one annual premium to track rather than multiple outgoings spread across the year. If you use a van for property maintenance or renovations, that would need its own commercial vehicle policy. And if your portfolio includes properties that need non-standard construction cover (e.g., listed buildings, thatched roofs, or timber frames), mention this when getting quotes as it may need to be specified.
Covers the structure of your rental property against fire, flood, storm, subsidence, and other insured events.
Protects furnishings, appliances, and fittings you provide in furnished or part-furnished rentals.
Covers legal costs and compensation claims if a tenant or visitor is injured at your property.
Reimburses rental income lost if your property becomes uninhabitable due to an insured event.
Covers legal costs for tenant disputes, eviction proceedings, and property-related legal matters.
Optional cover for damage caused accidentally by tenants beyond normal wear and tear.
Houses generally attract lower premiums than flats. The construction type, age, and condition also affect pricing.
The buildings sum insured (rebuild cost, not market value) is a key factor in calculating your premium.
The letting arrangement affects risk. Professional tenants, students, HMO, and DSS lets each carry different risk profiles.
Flood risk, crime rates, and subsidence risk in your property's area all influence the premium.
Insuring multiple properties together may qualify for better rates than individual policies.
Adding optional extras like accidental damage, legal expenses, or loss of rent increases the premium.
We have partnered with Quotezone.co.uk to help you compare quotes across a range of specialist insurance products.
Compare home insurance for owner-occupied properties.
Cover multiple business vehicles under one policy.
Insurance for garages, dealers, and motor trade professionals.
Specialist cover for private hire and hackney carriage drivers.
Roadside assistance and recovery across the UK.
Complete one short form and let specialist providers get in touch with competitive quotes tailored to your needs.
T T Branding Ltd (trading as MySupermarket Compare) is an Introducer Appointed Representative (IAR) of Seopa Ltd. Seopa Ltd are authorised and regulated by the Financial Conduct Authority (FCA FRN: 313860). Quotezone is a trading style of Seopa Ltd. Seopa Ltd is located at Floor 4, Blackstaff Studios, 8-10 Amelia Street, Belfast, Northern Ireland, BT2 7GS. The insurance quote system is independently owned and operated by Seopa Ltd. TT Branding Ltd do not offer financial advice and receives a commission for any policies purchased, at no cost to you.
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