Compare Landlord Insurance

If you own a property and rent it out to tenants, it is important that you protect yourself properly with landlords insurance.  While price comparison websites let consumers compare landlord insurance policies quickly form the comfort of their own homes, it is advisable to think about what you want from your policy beforehand.

Landlord Insurance Deals
ProviderRental ProtectionMulti Property QuotesPublic and Property Liability CoverSpecial FeaturesGet Quotes
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YesyesStandard Cover Up to £2mLandlord Cover For £115. Based on 10% of policies sold Jan - Jun 16. Excluding add onsGet Quotes >
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*New customers only. Minimum premiums apply. Proof of alternative quote may be required. Based on the same level of cover.

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Depending on the agreement reached with your tenants, you will need buildings cover as well as insurance for contents. Many companies are now offering landlord insurance quotes for a combined policy, which could mean a better deal. You can use the comparison table below to compare a range of landlord insurance quote providers.

 

If you are going to compare landlord insurance policies, here are a few useful things to judge them on:

  • It is important to read the small print and to confirm exactly what is included and excluded from each policy. With buildings cover you will need to know what kind of occurrences will qualify you to make a claim.
  • Can you voluntarily increase your excess payments to lower your premium payments?
  • What kinds of discounts are available from each different provider, and what are they awarded for. Many companies will offer cheaper landlord insurance quotes for applications online
  • Can you transfer a pre-existing no claims bonus to the new landlord insurance policy?

 

As you compare landlord insurance policies you will find that different ones may offer different features as standard or as optional extras, you should carefully consider each one to decide which policy could be tailored to fit your specific circumstances best.

 

Features a policy may include or offer as an optional extra include:

 

Landlord Buildings cover

The simplest level of landlord insurance which just covers the buildings structure as well as rebuilding costs.

 

Landlord contents cover

For landlords who let property as furnished, covers the appliances, furniture and furnishing which are provided by the landlord.

 

Landlord liability insurance

Can help cover a landlords legal costs as well as pay compensation if a landlord is found liable to a landlord or visitor in certain events, such as personal injury claims.

 

Employers Liability insurance

Similar to standard landlord’s liability cover, but will cover you for claims made by people you may have employed to work on a premises like building managers or cleaners.

 

Alternative housing cover

If an insured event occurs which leaves the premises uninhabitable; this insurance may cover the cost of rehousing your tenants for a period of time.

 

Landlord emergency cover

Some events need immediate attention, this could include a gas leak or a break in which has left the property unsafe or unsecure. This type of cover can help you get an approved tradesperson to the property 24/7 any day of the year. Some policies may even give you an emergency help line to give to your tenants, which will arrange for someone to come to your property.