Landlord insurance that protects your properties

Landlord insurance isn't a legal requirement in the UK, but it's strongly advisable — and in many cases your mortgage lender will require it as a condition of your buy-to-let mortgage. Standard home insurance won't cover the specific risks of renting out a property, so without it you could be left significantly out of pocket if something goes wrong.

Home insurance is designed for properties you live in yourself. Landlord insurance is specifically designed for properties you rent out to tenants, covering additional risks such as malicious damage by tenants, loss of rental income, and property owners' liability. Using a standard home insurance policy on a rental property could invalidate any claim you make.

Yes — whether you own a single property or a large portfolio, we can arrange comprehensive cover for all of them under one policy with a single renewal date. This simplifies your administration and can be more cost-effective than insuring each property separately.

The cover available depends on how long the property will be empty and whether you're undertaking refurbishment works. Short-term vacancies between tenancies are typically covered as standard, while longer-term unoccupied properties may need a specialist policy. We also offer dedicated unoccupied property insurance if needed.

Yes — we can include rent guarantee cover or tenant default cover as an optional extra. The two are often confused but work differently: tenant default cover pays you rent owed if you begin eviction proceedings, while rent guarantee cover is broader and can include periods of vacancy. Our team can explain which is right for your situation.

A standard landlord policy covers against the main perils such as fire, flood, and storm damage. Accidental damage cover extends this to include spillages, breakages, or unintentional damage caused by you, a tenant, or a visitor — such as a carpet ruined by a spilled drink or a broken window. It's well worth adding, particularly for furnished properties.

Property owners' liability insurance protects you if a tenant or visitor is injured at your property and holds you responsible. Legal fees and compensation costs in these cases can be substantial — so this cover is included as standard in most of our landlord policies.

The cost depends on the level of cover you choose, your property type, location, and tenants. Policies start from £14 a month for basic buildings and liability cover — most landlords pay more depending on their specific needs. The best way to find out is to request a quick quote online, which takes less than two minutes.

We've been arranging insurance for over 50 years — now trading as insurd — and we're authorised and regulated by the Financial Conduct Authority (Firm Register Number: 308508), and over a thousand real customers have shared their experiences with us on Trustpilot.

You can verify our status directly on the FCA register.