Landlord Insurance

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Why Compare Landlord Insurance Quotes With SimplyQuote

We understand that comparing landlord insurance policies can be a time-consuming, stressful, and overwhelming task. That’s why SimplyQuote’s comparison service tool is designed to simplify the process, making it easy to compare landlord insurance policies.

We guarantee to get you the best deal on your insurance premiums from a range of reputable UK insurance providers. Whether you want simple building cover or additional extras like rent guarantee cover, public liability insurance, or contents insurance for your property – SimplyQuote has got you covered!

What Is Landlord Insurance?

Landlord insurance is a type of home insurance that provides financial protection to landlords renting out one or more properties. It’s designed to protect landlords against the potential risks of renting out domestic or commercial properties.

At its core, landlord insurance is about protection and peace of mind.

It ensures property owners are covered for unforeseen events like natural disasters, accidents, or tenant-related damages. Buildings insurance is there to cover the financial pitfalls that accompany such events.

From property owners’ liability and contents insurance to loss of rental income – there are many different levels of cover available.

To avoid confusion, landlord insurance goes by many names:

Do I Need Landlord Insurance?

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What Does Landlord Insurance Cover?

Landlord insurance covers various situations that can arise with rental properties.

It’s important to understand what your policy does and does not cover.

Here’s a quick breakdown of standard landlord insurance cover:

What’s covered

  • Fire
  • Theft
  • Built-in features like fitted kitchens and bathrooms
  • Furniture, carpets and curtains – excluding tenants possessions
  • Burst and frozen pipes
  • Eviction of squatters
  • Loss or theft of keys
  • Subsidence/heave – the movement of the property’s foundation
  • Falling trees
  • Vandalism
  • Storm damage, extreme weather and natural disasters
  • Accidental or malicious damage by tenants

What’s not covered:

  • Claims due to poor maintenance of the property
  • Tenant’s personal belongings
  • Normal wear and tear
  • Animal damage – such as rodent infestations or damage caused by pets
  • Intentional damage by the insured person or tenant
  • Existing damage before purchasing the policy
  • Unoccupied properties (unless routinely maintained every 14 days)

Optional policy add-ons

  • Rental protection insurance – if tenant payments are in arrears (i.e. lost rent)
  • Loss of rental income due to uninhabitable property conditions
  • Legal expenses in case you’re taken to court
  • Accidental or intentional damage caused by tenants
  • Public liability cover
  • Boiler breakdown

What kind of properties does building insurance cover?

  1. Residential – if you own a buy-to-let property
  2. Commercial – business premises such as offices or warehouses
  3. Multi-property- if you have more than one rental property
  4. House in multiple occupation (HMO) insurance – usually not covered by standard landlord insurance

It’s important to find the right landlord insurance that aligns with your unique property and rental requirements. We’ll delve deeper into various types of landlord insurance policies available in the next section.

What Types of Landlord Insurance Policies Are Available In The UK

There are various landlord insurance policies to opt for in the UK, from landlord contents insurance to rent guarantee insurance.

Let’s take a closer look:

Landlord contents insurance

As the name suggests, landlord contents insurance covers the cost of repairing or replacing the contents of your property – the stuff that belongs to you.

This can include:

  • Furniture
  • Carpets
  • Curtains
  • Chairs
  • Sofas

However, it doesn’t include any of your tenant’s belongings.

This is necessary if you’re renting a furnished property, or when you have valuable items you want to protect, like expensive light fittings or garden features.

Buildings insurance

Landlord buildings insurance covers the costs of repairing any malicious, accidental, or structural damage to your property.

This can apply to damage caused by:

  • Fires
  • Floods
  • Storms
  • Natural disasters
  • Tenant-related damage

Unoccupied property insurance

Unoccupied property insurance specifically covers empty properties for an extended period, protecting against risks like theft, vandalism, and damage during vacancies.

However, the typical time window for this kind of cover varies between insurers but is often around one month.

Landlord liability

If your tenant or any of their guests injures themselves or has their belongings damaged because of your property, they are entitled to make a claim.

If they do, landlord liability insurance covers the price of your legal costs and any compensation you may have to pay.

Note: This cover is also known as landlord public liability insurance.

Rental income protection

This type of landlord insurance generally pays out if your building is damaged and you can’t rent it out. In short, it protects you against any lost income.

Note: This differs from unoccupied insurance as income protection covers you if your property is unrentable due to unforeseen accidents like flooding or malicious tenant damage. Essentially, it compensates your rental income when properties undergo repairs or renovations.

Rent guarantee insurance

Rent guarantee insurance – also referred to as tenant default insurance – offers financial security if your tenants can’t pay their rent.

Employers’ liability insurance

If you employ anyone at your rental properties such as caretakers, gardeners, or domestic cleaners, it’s a legal requirement to have employer’s liability insurance.

Landlord home emergency cover

Landlord emergency insurance provides round-the-clock assistance if an emergency arises. These unplanned events can include burst pipes, water leaks, or boiler breakdowns.

Business interruption

Business interruption ensures you continue to receive business income if your property can’t be occupied due to unforeseen events such as fires, natural disasters or renovations.

Pro tip: You don’t necessarily need to pay for all these types of insurance – you can just select the ones which are relevant to you. Most insurance providers will allow you to combine the different covers listed above. You can create a unique policy tailored to your specific requirements as a landlord.

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What Are The Benefits Of Property Rental Insurance For Landlords

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How Much Does Landlord Insurance Cost?

The average price paid for rental property insurance is around £160 – £180 per year; equating to roughly £13 to £15 per month.

However, the final price tag is based on the optional extras you may wish to add to your landlord insurance policy.

As a rough estimate, a three-bed, two-bath rental property (with a £200,000 rebuild cost) will cost £170 per year for building insurance cover only.

What influences landlord insurance costs?

Cover level

Pick the right cover for your rental property needs. For instance, if you rent furnished properties, you’ll want landlord contents insurance.

Your property’s location

Your landlord insurance provider will base your premiums on your property’s location. You’ll likely pay higher insurance premiums if your rental property is in a high-crime or flood-prone area.

Property size and age

The size, age and overall structural integrity of your residential or commercial property will determine the final price of your insurance policy.

Your tenants

The type of person(s) you rent your property to also plays a major role in determining your landlord insurance cost.

Your claims history

Expect higher monthly/annual premiums if you have a negative claims history track record. This means, the more times you claim results in paying more for your landlord insurance.


You can save money on your landlord insurance premiums when paying annually as opposed to paying monthly. This is because interest is added monthly.

Rental price

High-value real estate is typically associated with higher landlord insurance costs.

To get the most accurate idea of how much you’ll pay as a landlord, compare landlord insurance quotes from various insurance providers. This ensures you find a personalised fit to match your property needs and budget.

Quickly compare landlord insurance quotes with SimplyQuote today!

How Can I Get Cheaper Landlord Insurance?

There are many ways to save money on your landlord insurance premiums, from choosing tenants carefully to keeping your property secure.

Here’s the breakdown:

Choose tenants wisely

Carefully reviewing and selecting tenants can reduce the risk of damage to your property, potentially leading to lower costs.

Up the security

Ensure your rental property is properly secured. This includes alarm systems, motion sensors and secure locks to deter burglars.

Opt for higher excess costs

Opting to pay higher excess fees can lower your monthly/annual premiums, but it means you’ll pay more upfront when making a claim.

Avoid unoccupied periods

Ensure your rental property has a constant flow of tenants to keep insurance premiums to a minimum.

Combine insurance policies

Bundling multiple insurance policies from one insurance provider can potentially lead to discounts.

Invest in property maintenance

Regular upkeep and quick repair to damaged infrastructure make your rental property low risk and can save you money in the long run.


How to Compare Landlord Insurance Quotes With SimplyQuote

Whether you rent out a single property or have a large portfolio, specialist landlord insurance is a must.

It protects you against a wide range of risks, from lost rent to fire damage – and (almost) everything in between. It’s vital for the protection of both landlords and tenants.

Luckily, SimplyQuote makes comparing landlord insurance options a breeze!

The comparison tool is 100% free and guarantees to find you the best insurance deal. All you have to do is fill out a short questionnaire about your property on our website and we’ll provide you with an array of landlord insurance quotes tailored to your specific rental needs.

What do I need to do?

  1. Complete the online questionnaire, providing us with a few basic details such as your property and tenant details.
  2. Choose the level of cover you want.
  3. Sit back and relax while we compile a list of landlord insurance quotes from top UK insurance providers!

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Frequently Asked Questions

How is landlord building insurance different to home insurance cover?

The difference between landlord-building insurance and home insurance is that landlord insurance is specifically designed to protect rental properties and landlords from the risks associated with renting out a property. Home insurance safeguards properties where the owner lives (i.e. their personal residence).

What is multi-property landlord insurance?

Multi-property landlord insurance in the UK is a specialised insurance policy that allows landlords to cover multiple properties under one comprehensive policy.

This is particularly beneficial if you have a mix of residential and commercial properties within your property portfolio. You can insure up to 25 properties under one landlord’s buildings insurance policy.

What is tenant default insurance?

Tenant default insurance, also known as rental guarantee insurance, protects landlords in the UK against the risk of tenants failing to pay their rent.

What kind of landlord insurance cover do I need?

Most landlords opt for insurance policies that include building insurance for fixtures and fittings and property owners’ liability insurance to cover any legal costs or disputes that should arise from someone being injured on one of your rental properties.

However, there are additional kinds of cover you can opt for, such as contents insurance if you rent out furnished properties.

Is landlord building insurance worth it?

Yes, building insurance for landlords is worth it. It provides essential protection for your rental properties and financial support when unexpected events arise.