Simple Landlord Insurance

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Why Compare Simple Landlord Insurance Quotes With SimplyQuote

If you’re looking for simple landlord insurance to protect your property then you’re in the right place. Whether you rent out a single property or manage a large portfolio of investments, landlord insurance can give you the peace of mind you need.

With so many insurance providers out there, choosing the right policy to suit your needs can be challenging. That’s where SimplyQuote’s user-friendly comparison tool comes in – the UK’s leading socially responsible comparison website.

We’ll help you weigh up your options to choose the right simple landlord insurance policy for you; one that is aligned with your property, budget and insurance needs.


What Do You Need To Get A Quote?

Why Do You Need Simple Landlord Insurance ?

What Does Simple Landlord Insurance Cover?

What Types Of Landlord Insurance Are Available In The UK?

Three main types of landlord insurance are available for UK landlords:

Commercial property insurance

This insurance policy covers commercial properties, hence the name. These buildings may include:

  • Offices
  • Shops
  • Warehouses
    • Note: If your property is used for holiday rentals or Airbnb, you might consider specialised Airbnb insurance cover.

Residential property insurance

As the name suggests, this type of insurance policy is aimed at residential rental properties such as:

  • Houses
  • Flats
  • Bedsits
  • HMO properties

Buy-to-let insurance cover

If you’ve purchased a property intending to rent it out, you’ll need the appropriate buy-to-let insurance policy to ensure you are properly insured. As mentioned, most lenders require evidence of landlord insurance to keep loan agreements unaffected.

What Optional Extras Are Available For Simple Landlord Insurance?

Since a simple landlord’s insurance policy covers the basics of buildings and content insurance; you may find you want additional cover for further protection and peace of mind such as rent guarantee insurance or property owners’ liability cover.

Here’s a list of common policy add-ons:

Rent guarantee insurance

This policy add-on covers any lost rental income that results from a tenant ceasing to pay rent before their tenancy is up. You might also hear this referred to as tenant default insurance.

Loss of rent

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

Alternative accommodation cover

This covers costs incurred if you have to rehome your tenants due to your property becoming uninhabitable or following repairs due to fire or flood damage. Alternative accommodation cover is only required if it’s stated as a condition of the tenancy agreement.

Legal expenses cover

This applies to any legal expenses you might incur resulting from disputes involving your property, such as court proceedings or legal action. Legal costs can quickly add up, so this cover is worth investing in case something doesn’t go exactly as planned. Generally, this policy covers legal fees if someone takes you to court or vice versa.

Accidental damage cover

This covers any accidental damage to your property and its contents that might occur due to spillage, breakages or damages. For example, a tenant leaves the kitchen tap running and the kitchen is accidentally flooded or their child breaks a window when playing football outside.

Boiler cover

As the name suggests, this policy add-on is designed to replace or repair damaged boilers without you having to foot the bill.

Landlord home emergency cover

No landlord likes receiving a phone call late at night saying there is a burst pipe or a power outage at their property. Fortunately, landlord emergency cover offers peace of mind as a plumber, technician, or other emergency services will be dispatched 24/7 on your behalf.

Key placement cover

Should tenants (or landlords) lose the property keys, this policy covers the cost of replacing them. Some insurance providers may even include locksmith services within this insurance cover.

Liability insurance

Liability insurance protects you financially should a tenant, one of their guests or an employee sustain injuries while on property.

There are three main categories of liability cover, namely:

  1. Public liability insurance covers any compensation and legal costs related to third-party claims. For instance, a member of the general public trips and falls over some loose paving and decides to sue you.
  2. Employer liability insurance is a legal requirement if you employ staff at your rental property, such as cleaners, gardeners or property managers. Similar to public liability, it provides financial aid should an employee bring a claim against you.
  3. Property owners’ liability insurance covers legal fees of liability mishaps or accidental injuries should tenants or third-party persons claim against you.

How Much Does Simple Landlord Insurance Cost?

How Can You Get Cheaper Insurance Rates?

How To Compare Simple Landlord Insurance Quotes With SimplyQuote?

Comparing simple landlord insurance quotes is a breeze with SimplyQuote’s online tool:

  1. Fill in the short form: Tell us about yourself, your property and where your property/s are located.
  2. Carefully choose optional extras: Select which additional cover you need.
  3. Quickly compare quotes: Use SimplyQuote’s online comparison tool and filter toggles to find the best landlord insurance deal.
  4. Save money: Start reaping the rewards and save money on your premiums today.
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Frequently Asked Questions

What is simple landlord insurance?

A simple landlord insurance policy is a type of property insurance specifically for landlords renting out properties. It protects the property owner from financial losses commonly associated with renting out a property. A simple policy includes landlord buildings cover and contents insurance. Optional covers like legal expenses insurance, rent insurance and landlord liability are available as policy add-ons.

Do note, that standard home insurance policies do not cover rental properties.

Is landlord contents insurance necessary?

Landlord contents insurance is not a necessity but is highly recommended if you rent out furnished properties.

What does a landlord building insurance policy cover?

Landlord buildings insurance policies cover the costs to replace or repair structural damage to your building’s infrastructure, such as brickwork and permanent fixtures (e.g. bathrooms, kitchens, decking, roofs, etc.).

Where can I find cheap landlord insurance, UK?

Use SimplyQuote’s 100% free comparison tool to compare multiple landlord insurance quotes from trusted UK providers.

Do I need landlord insurance if I have multiple properties?

Insurance for landlords with multiple properties is not a legal requirement but it’s advised to have. Property structure damages, accidental damages and/or compensation claims can add up quickly and without a landlord’s insurance policy, you’ll be liable for all these legal fees and incurred costs.