Landlord Insurance
Want to save money on your landlord insurance? Let the buy-to-let and rental property insurance specialists at Coversure compare our markets to find you the landlord cover that’s right for you. For independent advice and a great value landlord insurance quote, call us today on 01482 434343 or request a callback and let our team compare the market to help you get cheaper rental property insurance.
Landlord Insurance Backed By ‘Exceptional’ Service
Want to save money on your landlord insurance? Let the buy-to-let and rental property insurance specialists at Coversure compare our markets to find you the landlord cover that’s right for you.
No matter what type of rental property you have, be it a buy-to-let home or a commercial property, for independent advice and a great value landlord insurance quote, call us today on 01482 434343 or request a callback and let our team compare the market to help you get cheaper rental property insurance.
Call us today on 0800 977 6037 and let our award-winning team help you.
Call us today on 0800 977 6037 and let our award-winning team help you.
Why choose Coversure for your Landlord Insurance?
Our award-winning team is rated as ‘Exceptional’ by feefo and with over 50 years of rental property insurance experience, you can rest assured you’re in safe hands. Being independent, we can put your needs first, and we’ll compare the market to find you great cover for a great value premium. To find out more, call us on 01482 434343, request a callback, or start your landlord insurance quote today.
Lanlord Insurance backed by ‘Exceptional’ service
Our award-winning team is rated as ‘Exceptional’ by feefo, and with over 50 years of landlord insurance experience, you can rest assured you’re in safe hands. Being independent, we can put your needs first, and we’ll compare the market to find you great cover for a great value premium.
What is Landlord Insurance?
Landlord insurance, residential landlord insurance, rental property insurance or buy-to-let insurance as it’s also known, protects landlords against the risks they face when renting out a property. As a landlord, you need specialist property insurance as standard home insurance won’t protect you against some of the risks you face, such as landlord’s liability, landlord’s contents, or loss of rent. Landlord insurance can offer you several financial protections, including:
- Buildings insurance
- Contents insurance for things like fixtures and fittings, you may have provided
- Public liability insurance
- Rent guarantee insurance
- Tenant relocation insurance
- Accidental damage cover
- Landlord emergency and legal expenses insurance
If you’d like to know more or would like a free, no-obligation landlord insurance quote, then please call us on 01482 434343 or request a callback.
What types of Landlord Insurance are there?
There are three main types of landlord cover, and we can offer you all of them. Depending on the type of property you have/the type of tenants you have, you may not need all three forms of cover, but in our experience we’ve found all landlords should have building insurance in place.
For some independent advice, please call us on 01482 434343 or request a callback and one of the ream will be happy to give you all the help you need.
Buildings insurance – this works in the same way as the buildings insurance on your home in that it protects you from the cost of repairs should your property be accidentally damaged or even destroyed. While landlords aren’t legally required to have buildings insurance, most mortgage providers will insist that you take out a policy. If you own your property outright, you should still consider buildings insurance to cover you against the cost of repairs or rebuilding your property Important note: When looking for a landlord insurance quote, make sure you give your broker the cost of rebuilding your property and not the market value. 40% of UK rental properties are currently underinsured according to a 2024 survey by risk management firm Gallagher, with the average shortfall being 40%. This could mean a gap of tens if not hundreds of thousands of pounds in the event of a rebuild claim. If you’d like some advice regarding property underinsurance, please call us on 01482 434343 or request a callback and we’ll give you all the help you need to make sure your property is adequately insured
Landlord’s contents insurance – landlord contents insurance protects a landlord’s possessions in a rental property, such as fixtures and fittings, white goods and any furniture you have provided to your tenants from loss or damage. It doesn’t cover a tenant’s contents, and they will have to take out their own contents policy to protect those. There are two types of buy-to-let contents insurance:
- New for old – which replaces contents with new like-for-like ones
- Indemnity contents policies – which factor in wear and tear, paying you the market value of your contents rather than the cost of new ones
Buildings and contents insurance – also known as comprehensive buy-to-let insurance, this gives landlords buildings and contents insurance on one policy
What can Landlord Insurance cover?
Landlord insurance through Coversure can offer owners of rental property a wide range of protections, including:
Buildings insurance
Landlord’s contents insurance
Landlord liability insurance
Loss of rent cover
Rent guarantee insurance
Legal expenses cover
Contractors’ insurance
Theft by tenants cover
Malicious damage cover
Call us today on 0800 977 6037 and let our award-winning team help you.
What can Landlord Insurance Cover?
Rental property insurance is a flexible form of cover that can offer a range of important protections, including:
Landlord liability insurance
Of up to £10 million should someone be accidentally injured while on your property or have their property damaged by yours and they decide to sue for compensation
Landlord’s contents
Covers things like carpets, white goods, and fixtures and fittings against loss or accidental damage
Accidental damage ‘ insurance
Should something at the property be accidentally broken you’ll be able to make a claim
Contractors’ insurance
If you hire contractors to do repairs, maintenance or renovations on your property, then contractors’ insurance can protect you against things like damage to your property, sub-standard work or injuries
Theft by tenants
Insures contents that you’ve left in the property should they be stolen by your tenants
Loss of rent insurance
Protects landlords and their income should tenants have to move out after an insured event such as a flood or fire. Loss of rent cover can protect your lost rental income and the additional costs of arranging alternative business accommodation on your tenants’ behalf
Malicious damage
Should a tenant or a member of the public deliberately break or damage your property or its contents, you’ll be able to make a claim
Glass and sanitary ware
Covers the cost of replacing accidentally damaged internal or external glass and sanitary ware
Keys and locks insurance
Should keys be lost or stolen, you can claim for the cost of having them replaced and locks changed
Landlord rent guarantee insurance
Landlord rent guarantee insurance, rent protection insurance or tenant default insurance as it’s also known, is an important protection that can be added to landlord insurance and provides financial compensation should tenants fail to pay their rent. It will cover lost rent for an agreed period – typically for 6 to 12 months – and you can make a claim if your tenants can’t or won’t pay their rent
Legal expenses insurance
Can provide protection to cover legal costs related to issues with your rental property, including legal action and court proceedings. While it’s most frequently associated with disputes with tenants over rent or evictions, it can also help with employment issues, contract disputes, tax investigations and health and safety prosecutions
Cables and underground pipe cover
Covers you for any costs incurred due to damage to pipes or cables – this includes essential utilities such as gas, electricity, and water
boiler insurance
Should it breakdown or need replacing
How much does Landlord Insurance cost?
At Coversure we don’t believe in one-size-fits-all solutions for our clients. Instead, we’ll get to know your needs and create a package of cover that fits your requirements. What we can say is that your rental property insurance quote will depend on things like:
Your property’s postcode
What type of tenants you have
The market value of the property
What type of property you have
How many properties you have
The level of security at your property
It’s rebuild valuation – not the market value, but the cost of rebuilding it should it be accidentally destroyed
If there are any contents, and if so, what they are and the value
Whether it’s at risk from flooding
Your claims history
The level of excess you’re willing to pay
Its condition/state of repair
How to get cheaper Landlord Insurance?
This is a question we get asked a lot and the good news is there are several easy ways to potentially get cheaper residential landlord insurance, including:
Increase your excess, the amount you pay in the event of a claim
By renewing your policy early to give your broker time to shop around for you
Get a multi-property insurance policy if you have more than one property to insure
Securing your business premises – installing security systems like CCTV cameras can deter theft and potentially lower your insurance costs
Use an independent property insurance broker such as Coversure. We can not only do the shopping around for you, but thanks to our network of insurer contacts we can access policies that aren’t available to the public
Conduct a risk assessment with your broker
Be choosy about which tenants you have – higher risk ones such as students will cost you more
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343.
Committed to finding you the protection you need
If you’d like some independent advice or an insurance quote, please call us on 01482 434343.
Insurance specialists for business, property and motor
Local service – online, by phone, or in person
Help and advice to ensure you’re protected
Frequently Asked Questions
Buy-to-let landlord property insurance and rental property insurance are complex areas of cover and it’s important to get them right. To help you get the protection that’s right for you, here are our residential landlord insurance frequently asked questions. We hope they will prove helpful, but if you’d like to get some independent advice, then please call us on 01482 434343. Our team of insurance specialists will be happy to talk you through the options to ensure you get the protection that’s right for your business.
No, but if you have a mortgage, then your mortgage lender will likely insist on you having buildings insurance in place
Owing to the nature of the building’s use, rental and buy-to-let properties represent a greater risk to insurers and so they require the specific protection that landlord insurance can bring
We can insure all kinds of buy-to-let properties. Whether it’s a flat, house, maisonette, holiday home, or even a block of flats, we can offer you affordable, high-quality protection
We can offer cover pretty much all tenant types, including private rental clients, commercial tenants, asylum seekers, housing benefit claimants, ousing association tenants, multi-tenure occupiers, owner-occupiers, and students
It’s a good idea to have landlord contents insurance in place as it can cover things like fixtures and fittings from loss or damage
The cost of your rental property insurance will be dependent upon things like the rebuild costs, the market value, the postcode, the type of property you have, the type of tenants you have and what they do, the condition, the level of security, if it is at risk of flooding, how many properties do you have, your claims history and the level of excess you’re happy to live with
Getting a rental property insurance quote is easy. You can call us on 01482 434343, request a callback or start your landlord insurance quote here
No, but if you have a mortgage, then your mortgage lender will likely insist on you having buildings insurance in place
Owing to the nature of the building’s use, rental and buy-to-let properties represent a greater risk to insurers and so they require the specific protection that landlord insurance can bring
We can insure all kinds of buy-to-let properties. Whether it’s a flat, house, maisonette, holiday home, or even a block of flats, we can offer you affordable, high-quality protection
We can offer cover pretty much all tenant types, including private rental clients, commercial tenants, asylum seekers, housing benefit claimants, ousing association tenants, multi-tenure occupiers, owner-occupiers, and students
It’s a good idea to have landlord contents insurance in place as it can cover things like fixtures and fittings from loss or damage
The cost of your rental property insurance will be dependent upon things like the rebuild costs, the market value, the postcode, the type of property you have, the type of tenants you have and what they do, the condition, the level of security, if it is at risk of flooding, how many properties do you have, your claims history and the level of excess you’re happy to live with
Getting a rental property insurance quote is easy. You can call us on 01482 434343, request a callback or start your landlord insurance quote here
