Landlord Insurance Protect Your Rental Property And Your Rental Income
Landlord insurance is designed for let property. It can cover the building, the contents you provide and your liability as a property owner, with options such as loss of rent cover.
WHY LANDLORD INSURANCE MATTERS
Protect Your Rental Property and Your Income
Damage, an injury claim or a property that can't be let can be costly. Landlord insurance can help, subject to your policy terms.
Protect the Building
Landlord buildings cover protects the structure of your rental property against insured events.
Protect Your Contents
Landlord contents cover protects items you provide, such as furniture and kitchen appliances.
Protect Your Rental Income
Some policies cover lost rent, or your tenants' temporary accommodation, if the property can't be lived in after an insured event.
Protect Against Claims
Property owners' liability can cover claims if someone is injured at your property and holds you responsible.
UNDERSTANDING COVER
Know What Your Policy Is Designed To Do
Landlord policies differ, so it's important to understand what yours covers.
Landlord Buildings Cover
Covers the structure of your rental property against insured events, such as fire or flood, subject to the policy terms.
Landlord Contents Cover
Covers items that belong to you in the property, such as household goods and kitchen appliances, not your tenants' belongings.
Loss of Rent
Some policies cover lost rent, or temporary accommodation for your tenants, if the property is uninhabitable after an insured event, up to a limit.
Property Owners' Liability
Can cover sums you're legally liable to pay if someone is injured or their property is damaged, up to a limit such as £2 million.
Damage by Tenants
Malicious damage or theft by your own tenants is often excluded as standard, but may be available as an optional extra.
Rent Guarantee & Legal Expenses
Some landlords add rent guarantee and legal expenses cover, which can help if a tenant stops paying rent, subject to policy terms.
YOUR RESPONSIBILITIES
As A Landlord You Must
Insurance sits alongside your legal duties. GOV.UK says landlords must do the following. Different rules apply in Scotland and Northern Ireland.
Keep It Safe
Keep your rental property safe and free from health hazards.
Gas & Electrical Safety
Make sure all gas and electrical equipment is safely installed and maintained.
Energy Performance Certificate
Provide an Energy Performance Certificate for the property.
Protect the Deposit
Protect your tenant's deposit in a government-approved scheme.
Right to Rent
Check your tenant has the right to rent your property if it's in England.
Smoke & CO Alarms
Fit and test smoke alarms and carbon monoxide alarms.
How It Works
Simple Advice. Complete Protection.
Our advisers guide you through every step to ensure you receive suitable cover.
Free Consultation
A no-obligation call with your dedicated specialist adviser to understand your situation and goals.
Understand Your Needs
We take the time to evaluate your unique lifestyle, long-term goals, and budget.
Compare Options
We compare suitable options from the insurers we work with and explain the differences.
Choose Your Cover
Select the exact policy level you feel confident with, guided by clear advice.
You're Protected
Once you're happy, we help you put your cover in place, and we're here if your needs change.
WHY CLIENTS TRUST US
Protection Designed Around Your Lifestyle
Helping individuals, families and businesses protect what matters most.
Financial Security
Safeguard your hard-earned assets against unexpected life events.
Family Protection
Help your loved ones cope financially if the worst happens.
Income Replacement
Keep money coming in if illness or injury prevents you from working.
Property Security
Shield your home and personal valuables from unexpected damage or loss.
Business Continuity
Protect your company's revenue, key employees, and future operations.
Peace Of Mind
Your adviser can help you understand your options at every step.
Clear Advice
We explain what each policy covers, and what it doesn't, before you decide.
Regular Reviews
Your needs change over time, so it's worth reviewing your cover after big life events.
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FAQ
Common Questions
Everything you need to know about landlord insurance
Why do I need landlord insurance rather than home insurance? 
Landlord insurance is designed for let property. It can include cover that standard home insurance may not, such as loss of rent and property owners' liability. If your rental property has a mortgage, your lender is likely to require buildings insurance.
Does landlord insurance cover my tenants' belongings?
No. Landlord contents cover protects items that belong to you, such as furniture and appliances you provide. Your tenants should arrange their own contents insurance for their belongings.
What if my property is empty between tenancies?
Many policies reduce cover if the property is unoccupied for more than a set period, such as 30 or 90 days depending on the insurer, for example for theft or malicious damage. Tell your insurer if your property will be empty.
Is damage caused by my tenants covered?
Malicious damage or theft by your own tenants is often excluded as standard, but some insurers offer cover for it as an optional extra.
Can Flood Re help with a rental property?
No. Flood Re only helps with residential homes lived in by the owner or their immediate family, so rental and business properties aren't eligible.