Landlord Homeowners Insurance

It may seem at first that landlord and homeowners insurance would be the same, and while they are similar in many respects there are important differences.


Because as a landlord you own a property but rent it out to paying tenants, there is a whole new level of potential risk to insurance companies. While this may not translate into noticeably higher premiums, it will mean that you will have to get a more comprehensive policy than most homeowners. When deciding which landlord insurance policy is right for you, you can use the table below to compare a range of links where you will be able to get quotes on landlord homeowners insurance.

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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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Landlord homeowners insurance


The term ‘landlord homeowners insurance’ can refer to several different things as there are a range of insurance policies available to landlords, however there are some policies that provide cover for multiple facets.


When looking at different landlord insurance policies some things that a policy may include or offer as an optional extra include:


Building insurance

Buildings insurance will save you from paying the full cost of repairs resulting from damage to the walls, roof and permanent fixtures. What you are covered against will vary by policy but might feature:

  • Fires and explosions
  • Weather
  • Theft, vandalism or malicious damage


Contents insurance

If you let a property fully or partially furnished you may be looking for a policy that also provides cover for those items. A landlord contents cover policy will protect the furniture, appliances and other items you provide in a property.

You will have to choose between:

  • An indemnity policy which will base payments on the current market value of the item, factoring depreciation of value the item may have sustained since its time of purchase.


  • A new for old policy which will replace the damaged or stolen item with a brand new one. Because of this these types of policies may have higher premiums


Liability cover

Some policies may give you choices of landlord’s liability and employer’s liability cover, which could help you cover legal and potential compensation costs if a tenant, visitor or a employee of the property respectively was to make a personal injury claim.



Loss of rent cover

If an insured event occurred which meant that you could not let out your property for a time period this loss of rent cover may be able to pay you the loss of rental income you sustained.