Cover for the property you own but do not live in. Let residential property, homes standing empty, holiday lets and commercial premises, all quoted and bought online or placed by a broker.
Landlord insurance is shaped around the risks that come with owning property someone else uses. The building itself, the income it produces, the items you remain responsible for, and your liability as the owner.
The structure itself, insured on a reinstatement basis, plus outbuildings, boundary walls, fences, gates and permanent fixtures. Professional fees and debris removal are included within the buildings sum insured.
e.g. A mid-terrace let damaged by an escape of water from a first-floor bathroom, rebuild and drying-out costs met under buildings.
The items in the property that belong to you rather than the tenant. Carpets, curtains, white goods, fitted kitchens and furnishings in a furnished let. Accidental damage can be added to both buildings and contents.
e.g. A furnished flat where a tenant’s washing machine overflow ruins the carpets and kitchen units.
If an insured event makes the property uninhabitable, loss of rent covers the income you would have received while it is repaired. Rent protection against tenant default and legal expenses cover can be added on the let property policy.
e.g. A house let to a family, out of action for five months after a kitchen fire, rent paid through the repair period.
Your liability as the owner if a tenant, visitor or member of the public is injured or has their property damaged because of the building. Commercial policies are written with a £2m or £5m limit depending on the premises.
e.g. A visitor injured by a loose handrail on a communal staircase in a building you own.
How a property is used decides which policy it needs, and getting that wrong is the most common reason a landlord claim is declined. Pick the one that matches your situation.
Landlords Let Property Insurance
Buildings, contents and rent cover for let residential property
Tailored coverLandlords Unoccupied Insurance
Cover that holds while a property sits empty
Tailored coverHoliday Home Insurance
Second homes and holiday lets, including guest letting
Tailored coverCommercial Property Owners Insurance
Occupied commercial premises let to business tenants
Tailored coverUnoccupied Commercial Property Owners Insurance
Vacant commercial units, between tenants or awaiting sale
Tailored coverIf a property moves between these states, and plenty do, a let house that empties for six months while it is refurbished is the classic example, tell us before the change rather than at renewal. Cover follows how the property is actually used on the day of a claim, not how it was described when the policy started.
Tell us what the property is, how it is used and whether anyone is living in it. If it fits an online product we will point you straight at it. If it does not, we will place it with the specialist market instead.
The questions we hear most often from property owners.
Landlord insurance covers a property you own but do not live in. A standard home insurance policy is written for an owner-occupier and can be treated as invalid once the property is let, so a landlord policy replaces it. The core is buildings cover, with contents, loss of rent and property owners’ liability added depending on how the property is used.
Cannot see your question? Speak to our team on 01782 739099.
Why use a broker
FCA regulated
Authorised and regulated by the Financial Conduct Authority.
Experienced team
Decades of combined commercial broking experience behind the firm.
Named broker
A direct line to the same person at quote, renewal and claim.
Independent
No tie-ins. We use the market that fits the property.
● Cover that often sits alongside this
Ready when you are
Buy online in one sitting, or talk it through with a broker who places landlord and property owner risk every week.
