Insurance for residential landlords
Find insurance for the property you let. Compare buildings cover, landlord contents and optional extras such as rent guarantee or legal expenses.
Request a landlord insurance quote
Compare what is covered, what is excluded, the excess you would pay on a claim and the total price.
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We may earn commission if you use this link. The provider handles your quote and any advice. Here4Landlords is not the insurer and does not give a personal recommendation. You do not have to accept a quote.
Cover for a home with tenants
Tell the insurer that you let the property. Ordinary home insurance may not cover a rented home, and the insurer needs to know about your tenants and how the property is managed.
There is no general legal requirement to buy a policy called landlord insurance, but your mortgage, lease or another contract may require particular cover. Insurance also comes with conditions about the way the property is maintained and let.
What would you like to cover?
- The building: repairs or rebuilding after damage covered by the policy. The amount should reflect the cost of rebuilding, rather than the sale price.
- Contents you provide: furniture and other items in a furnished or partly furnished home.
- Liability claims: certain claims for injury or damage to someone else’s property connected with the rental home, subject to the policy wording.
- Lost rent: cover after an insured event, or separate rent-guarantee cover if a tenant does not pay. These have different conditions.
- Other help: legal expenses, emergencies and accidental or malicious damage may be included or available as extras.
Getting a quote
Have the address, construction details, rebuild cost and claims history ready. Explain who lives there, the type of tenancy, any flood or subsidence history, and how long the home may be empty. Tell the insurer about an HMO, short-term letting, supported accommodation or renovation work.
Compare more than the price
Read what is covered, what is excluded and the excess you pay towards a claim. Ask how long an empty home stays covered and whether inspections are required. For lost-rent or rent-guarantee cover, check the payment limit, waiting period and tenant eligibility conditions.
The insurer or an insurance adviser can explain whether the options suit your property. Read the conditions about safety checks, repairs, licensing and changes you need to report.
When something changes
Follow the policy’s instructions for telling the insurer about changes, such as different tenants, building work, a long empty period or a new business use. Keep the policy and the information you gave the insurer together.
This is general information, not a personal insurance recommendation. How our service links are funded.