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Compare our best landlord insurance

Landlord insurance helps reduce the risk of financial loss when renting out property. Compare quotes from these companies to get the best cover for your furnished and unfurnished lets.

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Compare landlord insurance from top providers

You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

Adrian Flux
Direct Line
Premierline Direct
The Home Insurer
Alan Boswell Group
Quotezone
Homeprotect
Grove & Dean Corporate Insurance
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How to compare landlord insurance quotes

1

Enter your details

Fill out a few details, like your address, property type and any extra you want on your policy.

2

Compare quotes

Submit the form to see the policies from our selection of leading insurance providers.

3

Apply and save

Request quotes from your pick of suitable providers. Then choose the best price and apply.

Landlord insurance cover providers

10 results found, sorted by affiliated products first. How we order our comparisons. Commission earned affects the table's sort order.
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Feefo | Five Star Platinum Trusted Service Award
Alan Boswell Group Landlord Insurance
Maximum cover
Buildings: Unlimited, Contents: £250,000
Cover options
Landlord liability up to £5,000,000, rent guarantee & accidental damage
Minimum excess
Buildings: £75, Contents: £250
Alan Boswell Group Landlord Insurance
Specialist landlord insurance. Quality cover for less. Alan Boswell cover landlord buildings and contents, block of flats, commercial properties, multi-properties, serviced accommodation, Airbnb’s and holiday homes.
Optional covers included rent guarantee insurance, emergency cover, landlord legal expenses and Pet damage. Talk to the experts! This is an insurance broker.
Eligibility
Permanent UK Resident
Premierline Direct Landlord Insurance
Maximum cover
Buildings & contents: £20,000,000
Cover options
Landlord liability up to £10,000,000 & accidental damage
Minimum excess
Buildings & contents: £100
Premierline Direct Landlord Insurance
Premierline works with some of the UK’s most trusted insurers. Compare and buy insurance online or alternatively, speak to an advisor over the phone for insurance recommendations based on your individual circumstances and requirements.
This is an insurance broker.
Eligibility
Permanent UK Resident
Building Rated 5 Star by Defaqto
Homeprotect Landlord Insurance
Maximum cover
Buildings: £1,000,000, Contents: £30,000
Cover options
Accidental damage
Minimum excess
Buildings & contents: £250
Homeprotect Landlord Insurance
Homeprotect cover listed properties, properties undergoing renovations, non-standard construction, live-in landlords & lodgers, bad credit history & more. Defaqto 5 Star buildings insurance. Get a quote online in minutes, call to request for more coverage
Underwritten by AXA Insurance.
Eligibility
Permanent UK Resident

Compare another type of landlord insurance

Family moving home

What is landlord insurance?

Landlord insurance is a type of home insurance for people who rent out furnished and unfurnished properties. It’s a broad term and covers several different types of policy, including:

  • landlord building insurance

  • landlord contents insurance

  • landlord accidental damage insurance

  • landlord liability insurance

  • landlord unoccupied property cover

  • landlord rental protection insurance

You can find standalone policies, as well as policies that combine two or more of the above. Landlord insurance provides financial compensation if something goes awry at the property and is a prudent way to protect your investment and income. 

What does landlord insurance cover?

This depends on your policy, but typical policy elements include:

  • the building itself (structure)

  • features of the property (like fitted kitchens and bathrooms)

  • theft, fire and flood

  • your belongings, such as furniture and flooring

  • accidental damage caused by tenants

  • disruption to rental income – if you can’t rent out the property  because it’s damaged

  • rent arrears – if your tenants don’t pay

  • damage caused while the property is empty (between tenants)

  • legal costs

  • boiler breakdown

  • malicious damage by tenants

  • alternative accommodation – if your tenants have to move out while repairs are made

How landlord insurance works

What type of cover is included with landlord house insurance?

There are lots of options, so here’s a quick rundown of the different types of cover available. Bear in mind that the more cover you have, the more you pay.

  • Landlord building insurance: this covers the cost of rebuilding your property if it suffers significant damage due to a fire, lightning strike, earthquake, burst pipes or subsidence. The rebuild cost isn’t the same as the market value or the price you paid for the property: it’s how much it would cost to rebuild your home today. Use a rebuild calculator to work out the cost before you take out your insurance

  • Landlord contents insurance: work out how much it would cost to replace all your belongings inside the property. If the let is unfurnished, you should need much cover

  • Accidental damage: this covers the cost of accidental damage caused to your property or its contents by your tenants. Some insurers may charge extra to add this

  • Landlord liability: this covers you if your tenants are injured or become ill because you're deemed not to have taken proper care of your property. You can choose a limit of up to £5 million

  • Rent guarantee: rental protection insurance covers your rental income if your tenants fail to pay. Some landlord policies automatically include it but if not you can get standalone rent guarantee cover

  • Unoccupied property cover: your property is at greater risk of being broken into or damaged when it's empty because nobody is around to quickly spot and report problems such as leaks that could go on to cause a great deal of damage.

How to choose the right landlord insurance policy

Do I need landlord insurance?

It’s not a legal requirement to have landlord insurance, but you may need to get it to satisfy your lender if you want a buy-to-let mortgage to purchase the property. Check your mortgage requirements carefully.

Even without a mortgage lender, it's worth considering landlord insurance because it provides more suitable cover than regular home insurance. This applies whether you're renting to paying tenants or family members. 

Will regular home insurance cover me?

No, regular home insurance is unlikely to cover you, because you’re not living at the property. You don’t know whether your tenant is causing any damage and can’t rely on your tenants to address issues before they spiral. 

Worse still, if your tenant is injured inside your rental property, you may have to compensate them from your own pocket if you don’t have the correct landlord insurance.

Are there any situations where landlords don’t need specialist insurance? 

If you sublet a room in your own house, you don’t need landlord insurance but you must check that subletting is permitted with your current home insurance. and mortgage arrangement.

If you have a holiday home, you need holiday let insurance rather than landlord insurance.

How much does landlord insurance cost?

How much you need to pay depends on a range of factors, including:

Your property’s condition

The better condition the property is in, the cheaper your insurance.


Security measures

Better security, such as alarms and locks, means lower premiums.

The level of cover

Costs will rise if you add on extras.

Your claims history

The more claims you make, the more future insurance costs.

Your tenant

The cost of rent-guarantee cover depends on your tenant's employment status.

Your property's location

The safer the area, the cheaper your insurance will be.

How can I save money on landlord house insurance?

There are a few steps you can take to make extra savings on your landlord insurance. For example:

  • Compare landlord insurance: shop around to get the cover you need at a good price

  • Choose tenants wisely: you pay more for cover when letting to certain types of people. For example, insurers view students sharing as a higher risk than a professional couple

  • Don't pay for unnecessary buildings insurance: if you own a flat, the building’s freeholder may already have buildings insurance, so you might not need separate cover

  • Don’t get too much contents insurance: if you let the property unfurnished, you only need a small amount of cover for carpets, light fittings and the like

  • Think carefully about what extras you need: only pay for the cover you want

  • Keep your property in good condition: if you stay on top of repairs and wear and tear, you’ll get a better quote

  • Invest in extra security measures: ensure your property has decent locks and think about investing in alarms

  • Only make claims when you need to: the fewer claims you make, the cheaper your quotes will be

  • Set a higher voluntary excess: the higher you set this, the cheaper your insurance is

  • Pay annually: annual insurance is always cheaper than monthly insurance because interest is built into monthly payments

  • Don’t leave the property unoccupied: you need extra cover if you do, which can be expensive

How to save on your landlord insurance

How can I get the right landlord insurance?

Once you’ve decided what cover you need, compare as many quotes as possible to get the best price. Price shouldn’t be your primary consideration, though; cheap landlord insurance is useless if it doesn’t give you the cover you need.

Also, don’t forget to check the minimum excess you have to pay towards claims. You can talk to your insurer about discounts for choosing a higher excess.

Compare quotes

Our landlord insurance comparison can help you find the right policy for your buy-to-let property. Decide what cover you need to get a tailored quote.

Florence Codjoequotation mark
Whilst landlord insurance isn't a legal requirement, if you're renting out a property it's worth thinking about. Regular home insurance won't cover a property you don't live in.
Florence Codjoe, Personal Finance Editor

Can I get multi-property landlord insurance?

Some insurers might offer multi-property landlord insurance, which covers several properties under one policy. This can sometimes work out cheaper than individual policies, but compare all the options before deciding which kind of policy suits you best.

Is landlord insurance tax-deductible?

Yes, you can claim landlord insurance – as well as some other costs of running and maintaining your property – as an expense to reduce your tax bill.

What information will I need to share to get landlord insurance?

It’s a good idea to gather the necessary information before you try to arrange your landlord insurance. The sort of information you need includes:

  • the property’s address

  • when it was built

  • the rebuild cost (use a rebuild calculator to work this out)

  • the type of tenants you have and the length of the tenancy agreement

  • details of locks and alarms fitted at the property

  • the total value of your personal belongings at the property, including furniture

  • details of any claims you’ve made over the last five years

  • which type of landlord insurance you want

  • how you’d like to pay – monthly or annually

How to make a claim on your landlord insurance

Making a claim is simple, but do make sure you understand the terms and conditions of your policy when you take it out.

If your claim is for theft or damage, you need to report it to the police and ask for a crime reference number. Always submit your claim as quickly as possible as they can take a long time to process, so it’s best to get started early.

Landlord insurance FAQs

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Why compare landlord insurance with money.co.uk?

By comparing landlord insurance you could save money on the policy. The best value landlord insurance will offer you the cover you need, at a price you can afford. Choose a cover plan from the best UK insurance companies and see the online discounts they offer.

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Last updated: 22 July 2022