Landlord Insurance (UK) — Compare Quotes in Minutes

If you rent out a property, standard home insurance may not be the right fit. Landlord insurance is designed for rental properties and can include cover options tailored to letting (exact cover varies by provider).

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What you'll need to start a quote

•Property postcode
•Property type (house/flat) and occupancy (tenant/empty)
•Approx rebuild cost (if known)
•Whether you want buildings, contents, or both

Who this page is for

This page is for UK landlords who want to:

compare landlord insurance options quickly
understand the types of cover that may be relevant for rental properties
check what details can affect the cost
make sure the policy matches how the property is used (let, vacant, furnished, etc.)

What can landlord insurance cover?

Policies vary, but landlord insurance can include options such as:

buildings cover for the structure of the property
landlord contents cover (for items you own in the property)
liability cover (wording varies by provider)
loss of rent cover (in certain situations, depending on policy)
accidental damage options (often optional)

Always check what is included, exclusions, and any limits in the policy documents. If your property may be empty between tenants, you may need unoccupied property insurance to ensure you remain covered during void periods.

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What affects landlord insurance quotes?

Pricing can vary based on factors like:

property type (house/flat) and construction
location and postcode
rebuild cost and security features
whether the property is occupied, between tenants, or unoccupied
whether it is furnished and what landlord contents are included
claims history and any previous issues (e.g., water damage)
cover level, excess, and optional add-ons

Practical tips when comparing landlord insurance

Choose cover that matches your situation (occupied vs between tenants)
Be clear on what you need: buildings, contents, or both
Check excess levels and key exclusions
Compare the total cover and limits, not just the headline price
If you want to pay monthly, compare the total cost and payment breakdown

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FAQs: Landlord insurance (UK)

Do landlords need specialist insurance?

Many landlords use a policy designed for rental properties because standard home insurance may not cover letting. Requirements depend on your situation and provider.

Does landlord insurance cover tenants' belongings?

Typically no. Tenants usually need their own contents insurance for their personal items.

Can landlord insurance include loss of rent?

Some policies may include or offer loss of rent cover, depending on the terms and cause of the loss. Always check wording and limits.

What if the property is unoccupied between tenants?

Some insurers treat unoccupied periods differently. If your property may be empty, check the policy conditions and consider unoccupied property cover options.

Do I need buildings and contents as a landlord?

It depends on the property and what you own inside it. Buildings cover is for the structure; landlord contents is for items you provide.

Will paying monthly cost more overall?

It can. Monthly payments may include additional costs depending on the provider and payment arrangement.

What information do I need to compare quotes?

Typically property postcode, property type, occupancy details, and the cover type you want (buildings/contents/both).

What's the fastest way to check options?

Start a quote journey with accurate property details and compare cover levels, limits, and exclusions.

Ready to compare landlord insurance?

Start your quote online now and view options available from UK providers.

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How we created this page (transparency)

This page was created to help UK landlords understand landlord insurance basics and what to check when comparing options. It is reviewed for clarity and updated as needed to stay accurate and useful.

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Important information

MySupermarketCompare is an insurance comparison website. We introduce customers to our quote partner to help them compare insurance options. Information on this page is general and is not financial advice.