Landlords
Insurance Cover
Landlords Insurance Cover
Landlord insurance is similar to home insurance, but it's specifically designed to cover rental properties.
The three main types of landlord insurance are buildings, contents, and liability insurance.
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Cover is provided for buildings, loss of rent, and property owner liability, additional covers include landlord's contents, accidental damage, subsidence cover, and legal expenses cover up to £100,000.
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Beyond these, there are various add-ons you may find useful, depending on the type of property you're letting.
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As a specialist insurance broker, we’re able to secure cover for even the most unusual homes. And we do so at a great rate where other companies would struggle to even provide a quote.
What is Landlords Insurance
Landlord insurance is cover that protects landlords from risks associated with their rental property. It usually includes any building you own and rent and can include the contents of those buildings too. This insurance covers you against any unpredictable events such as fire, flood, theft or vandalism.
You are also protected should any tenants claim against you. This is different to home insurance as it includes cover for problems that specifically landlords may face.
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What sort of insurance do I need as a landlord?
​Landlord insurance does not only protect a property if it gets damaged, but it also protects landlords from many other risks, including damages, theft, liability claims and even loss of rent from tenants.
Renting your property comes with many things that are out of your control that you may still be liable for which is why it is always worth covering your assets just in case the worst happens. Having an insurance policy in place will help you when you find yourself needing it most.
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Different types of landlord insurance
Different types of landlord insurance cover you for different risks. The type of cover you chose depends on what risks you would like to be covered for. These are a few of the different types of cover:
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Landlord contents insurance
This is especially important if you rent a furnished property as it can pay for any repairs or replacements if your possessions have been stolen, damaged or destroyed. Find out more about landlord contents insurance.
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Property owners’ liability insurance
Accidents occur all the time, things like loose or slippery flooring are quite common amongst rented properties and can lead to slips and trips. Landlord liability insurance is designed to protect you from injury or damage claims related to your rental property. This is a type of public liability insurance built specifically for landlords.
Unoccupied property insurance
Landlord insurance for unoccupied properties is a type of cover you can take out to protect your property while you don’t have any tenants living there.
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Tenant default insurance
If your tenant fails to pay their rent, tenant default insurance can cover your rent for a set period of time. Rent guarantee insurance protects landlords from the real risk of non-payment of rent.
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Landlord buildings insurance
Your landlord insurance covers the property itself as long as you have buildings insurance as part of your policy. It can cover the costs of rebuilding or repairing your property if it damaged by events such as fire or vandalism.
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Do I need landlord insurance?
​Your mortgage lender may also ask you to take out a specialist landlord insurance policy to protect your property however, legally, you are not required to have landlord insurance. Landlord insurance helps protect your property as well as you and your tenants. If you rent out a property, a conventional home insurance policy won’t cover you for any rental activities or related issues.
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Essentially, landlord insurance covers you against unpredictable events, which is why it is always recommended that you have an insurance policy in place. In the long run, having an insurance policy in place will help you avoid putting yourself and your assets at risk.
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How to buy
Simple Steps to Secure Coverage – Buy Insurance with Ease!
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Get ready to secure your peace of mind! Once you've reviewed your quote details and are excited to move forward, simply confirm your preferred payment method, and we'll activate your insurance starting from your chosen date. Let's get you covered!
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​We dive right in, comparing shop insurance quotes from top insurers just for you! We’ll consider all the benefits you need. Get ready for a bespoke quote tailored to your insurance needs, which we’ll email to you along with exciting payment options.
Policy Sorted
As soon as we get your confirmation, we'll activate your policy and send you the documents right away! You can kick back and relax, knowing your shop is fully insured. Plus, if you ever need to make a claim, we're here to help you every of the way!
How do claims work?
Tam de Franca - Claims
Our claims process
Unlike price comparison websites, we take the hassle out of claims. We know how important it is to get your business back on track quickly – and with minimum fuss. That’s why you get access to a dedicated claims team that will strive to liaise with your insurer to settle your claim quickly and hassle-free.
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Need to make a private property insurance claim?
Call our team on 01323 416706
UK Sure Customer Services
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