Landlord Building Insurance

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Compare landlord building insurance quotes from UK’s leading landlord insurers including:

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Why Compare Landlord Building Insurance Quotes With SimplyQuote

Managing rental properties can be tough for landlords and finding new landlord insurance cover shouldn’t add to your already overflowing to-do list. Right?

The good news?

SimplyQuote streamlines the entire comparison process in just a few clicks, offering you peace of mind and ultimate convenience. Simply use the online, comparison tool to filter through multiple insurance quotes from leading UK insurers in minutes.

Comparing landlord building insurance has not been easier or this stress-free!


What Do You Need To Get A Quote?

Why Do You Need Landlord Building Insurance?

What Does Landlord Building Insurance Cover?

What Add-Ons Are Available For Landlord Building Insurance?

While standard landlord buildings insurance covers the structure of your rental properties against theft, vandalism, fire, subsidence and flooding – you may find you’ll want additional cover for a well-rounded policy.

Common optional extras include:

Loss of rent

This policy compensates for any lost rental income should your tenants need to move out at short notice due to an insured event like fires or floods.

Temporary accommodation insurance

If you need to relocate tenants after an insured event, this policy pays for alternative accommodation costs while the property is being repaired and restored.

Rent guarantee insurance

This protects landlords if tenants default on their rental payments – also called tenant default cover.

Legal expenses cover

Offer financial support should you be taken to court (or need to take someone to court).

Landlord contents insurance

Building insurance covers damage to the building itself, but you can pay extra to cover any furniture you provide your tenants. Contents insurance only covers the items you provide to your tenants to use, such as:

Replacement key cover

This policy extra covers the cost of replacing lost keys and may include locksmith services.

Accidental damage cover

This covers accidental damage, hence the name. For instance, a tenant cracks the wall while hanging picture frames or their child breaks a window when playing football.

Landlord emergency cover

This protects your property with 24/7 emergency cover. Rental crises such as burst pipes, boiler problems or storm damage are often unpredictable and need immediate attention. Save time (and your sanity) when investing in this policy add-on.

Boiler cover

You can opt for a separate boiler cover if landlord emergency policies do not cover boilers.

Terrorism cover

As the name suggests, this policy protects you and your rental property against terrorist acts.

Note: This is unavailable in the Channel Islands, Isle of Man or Northern Ireland.

How Much Does Landlord Building Insurance Cost?

How Can You Get Cheaper Insurance Rates?

How To Compare Landlord Building Insurance Quotes With SimplyQuote?

Comparing landlord insurance is quick and stress-free with SimplyQuote by your side:

  1. Fill in the quick form: Tell us about yourself, the buildings you rent and the location of your rental properties.
  2. Choose policy add-ons: Select the optional extras you want to include.
  3. Compare quotes: Use our easy filter options, narrowing your search to the insurance premiums that meet your specific property cover needs.
  4. Save money: Get the best deal today!
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Frequently Asked Questions

What is landlord building insurance?

Landlord buildings cover is a type of property insurance specially designed for rental properties. A landlord insurance policy offers protection against events such as flooding, subsidence, and fire and will pay out to repair or rebuild the structure of your building.

Is landlord insurance a legal requirement in the UK?

Within the UK there is no legal requirement to cover any properties you let with landlords insurance. However, it is highly recommended that any rental property you own is covered by landlord insurance to cover yourself against unforeseen events out of your control.

It’s worth mentioning that a majority of buy-to-rent mortgages require you to have a sufficient landlord insurance policy in place.

How does a buy-to-let mortgage affect landlord insurance cover?

If you have a buy-to-let mortgage to finance the property you are renting, you need buy-to-let insurance. This of course depends entirely on the terms of your mortgage and whether or not the bank requires you to do so.

Does landlord insurance cover more than one property?

If you have more than one rental property, you’re better off with multi-property landlord insurance – also known as landlord portfolio insurance.