Landlord Insurance for Scotland

Scotland is full of desirable locations and so it is no wonder why people chose to live there. If you are thinking about becoming a landlord in Scotland, you will need to research the rental laws as they are different in comparison to England and Wales.

 

Wherever in Scotland you are thinking of renting property, having an appropriate level of landlord insurance in place is a good idea to see below what might be available to you; you can use the table below for a selection of companies that will be able to provide you with quotes.

Landlord Insurance Deals
ProviderRental ProtectionMulti Property QuotesPublic and Property Liability CoverSpecial FeaturesGet Quotes
YesyesGet QuotesPRICE GUARANTEE - beat any renewal quote on like for like cover.* Find cheap landlord insurance - Fast online quotes - multi property insurance - loss of rent cover - all tenant types coveredGet Quotes >
YesyesGet QuotesSave up to 35% on your Landlord insurance** - Cover for Professionals, Student Lets, DSS and many more - One property or portfolio our partners can helpGet Quotes >
YesyesStandard Cover Up to £2mLandlord Cover For £115. Based on 10% of policies sold Jan - Jun 16. Excluding add onsGet Quotes >
YesyesGet QuotesCompare the best prices and policies for landlords. Quick quotes with all risks and multi properties covered by our UK insurance providers.Get Quotes >
YesyesGet QuotesFill in one form to compare landlord insurance deals from a range of providers and find the right one for you.Get Quotes >
YesyesCover Up to £2mWe cater for all types of Landlords Building Insurance. Multi-Quote's available, buy online now.Get Quotes >
YesyesGet QuotesGet quotes instantly and find the cover you need at a price that suits you. Immediate cover available. Arranged by Arthur J. Gallagher Insurance Brokers Limited who source products from a panel of insurers, ensuring you get the right cover at a competitive price.Get Quotes >

*New customers only. Minimum premiums apply. Proof of alternative quote may be required. Based on the same level of cover.

**Save up to 35% on your Landlord Insurance - Get a Quote Today »


Landlord Insurance for Scotland

 

All private landlords in Scotland are legally required to register with their local authority. This is so you can be checked and to make sure you are competent enough to perform the role legally and professionally.

 

Instead of being ‘subject to contract,’ an offer for a rental property is put into writing once it has been seriously considered. By submitting this offer, the prospective tenant has agreed to rent at a certain price. The contract between the landlord and the tenant specifically stipulates that the asking price will not alter or become ‘subject to change.’

 

One benefit of this law is that it avoids any opportunity for the landlord to change the asking price or accept a higher or lower offer from someone else. However, it can be fairly time consuming. Although we have highlighted a few differences, you should also look into the Scottish rental law yourself for peace of mind.

 

Landlord insurance for Scotland however is not that different from England and Wales, and as with elsewhere in the United Kingdom it is a common proviso for mortgage lenders to require landlords who have buy to let mortgages with them to take out an appropriate level of landlord insurance on the property.

 

There are a diverse range of options for landlord insurance meaning you should be able to tailor your cover to your specific requirements by comparing the different features and optional extras of different plans.

 

Features and optional extras you may wish to consider include:

 

Buildings cover

Specialist landlord buildings insurance is a requirement of many buy to let mortgages. It will provide cover for your property’s physical structure such as the walls and roof  as well as the permanent fixtures.

 

 

Contents cover

If you let a property as fully or partially furnished then this type of insurance will protect those items you provide. Although what you are protected against will vary by insurer it may include; accidental damage, theft, malicious damage.

 

 

Landlord liability cover

If a tenant or visitor sustained an injury and made a personal injury claim this type of cover could help pay for your legal costs, and if you were found to be liable it could pay compensation to the claimant and cover their legal costs.