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.
|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 »
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:
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
- Theft, vandalism or malicious damage
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
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.