Landlord Home Insurance
If you’re a landlord whether you have a large property portfolio or one buy to let you may find that standard home insurance will not cover your rental property and as such you will need to take out a landlord’s home insurance policy to cover your investment. You can use the comparison table below to compare companies who may be able to offer you quotes for landlord insurance.
|Provider||Rental Protection||Multi Property Quotes||Public and Property Liability Cover||Special Features||Get Quotes|
Landlord Insurance Quotes »
|Yes||Get Quotes||PRICE 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 covered||Get Quotes >|
Compare Landlord Insurance Quotes »
|Yes||Get Quotes||Save up to 35% on your Landlord insurance** - Cover for Professionals, Student Lets, DSS and many more - One property or portfolio our partners can help||Get Quotes >|
Direct Line Landlord Insurance Quotes »
|Yes||Standard Cover Up to £2m||Direct Line Landlord Insurance with prices from £115 a year 10% of customers paid this or less. Based on policies sold 1st November 17 - 30 April 18. Excludes add ons. Underwritten by U K Insurance Limited.||Get Quotes >|
Smart Landlord Insurance Quotes »
|Yes||Get Quotes||Compare the best prices and policies for landlords. Quick quotes with all risks and multi properties covered by our UK insurance providers.||Get Quotes >|
QuoteZone Landlord Insurance Quotes »
|Yes||Get Quotes||Fill in one form to compare landlord insurance deals from a range of providers and find the right one for you.||Get Quotes >|
|Yes||Cover Up to £2m||We cater for all types of Landlords Building Insurance. Multi-Quote's available, buy online now.||Get Quotes >|
Lloyds Bank Landlord Insurance Quotes »
|Yes||Get Quotes||Get 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 »
Depending on whether you let, residential properties, commercial or a mixture of the two will affect what landlord’s home insurance is available to you. If you just let a residential property you may be able to find a level of cover which just provides building cover for your investment.
Landlord home insurance
The most basic type of residential landlord insurance normally available is buildings cover which just provides cover for the buildings structure as well as permanent fixtures such as lights, bath tubs etc. It will also potentially cover the cost of clearing the land and rebuilding the property if an insured event destroyed the property.
If you rent out property as fully or partially furnished then you may also want to consider taking out a landlord content insurance policy which will protect the items you provide such as sofas, carpets and appliances from accidental damage. Some policies may not include cover for theft or malicious damage caused by tenants or other parties.
It is possible to take out landlord insurance policies that provide both cover for the building and its content, some may offer other types of cover as standard.
One feature you may wish to consider landlord liability cover, this policy will help to cover your legal costs if a tenant or visitor was injured and made a personal injury claim against you. in the event of you being found at fault it may also cover the compensation awarded to the claimant as well as their legal costs.
Other features or optional extras on a residential landlord insurance policy may include:
- Loss of rent insurance – If an insured event means you cannot let out your property for a period of time this policy may allow to make a claim for the loss of income you incur.
- Alternative housing – If an insured event leaves your property uninhabitable this policy may cover the cost of providing your tenants with alternative accommodation due to the loss of use.
- Boiler cover – Boiler breakdowns can be costly and need to be resolved quickly as it is not acceptable to leave your tenants without hot water or heating, this type of cover may be able to help cover the costs of repairing the properties heating, this cover may also provide your annual Gas Safety Inspection (CP12) which you need to get every 12 months by law.
- Emergency cover – some insured incidents require a quick response to make your property safe and secure, this cover can help you get an approved tradesperson to the property 24/7. Some policies may provide your tenants with an emergency contact number that can send someone to the property.
If you rent out commercial properties such as shops or factories or mixed use premises such as offices with flats on top you will need to take out commercial landlord insurance, this insurance is normally more comprehensive as standard, and many providers allow you to place multiple buildings under the same policy. However each policy provider is of course different. You can use the comparison table above to see where you might be able to get quotes for both commercial and residential landlord insurance.