Landlord Insurance
Landlord Building Insurance — sometimes called Landlord Home Insurance — is designed to protect property owners who rent out one or more residential properties, including those with a portfolio of rentals. Unlike standard home insurance, which covers your own home and belongings, this type of policy is specifically tailored to meet the unique risks.
As well as standard property covers like buildings and contents cover, it can include landlord-specific elements such:
1. Property Owners’ Liability
2. Loss of Rent
3. Tenant Default
4. Alternative Accommodation Cover
The Importance of Landlord's Insurance
Protection for Rental Property
Covers damage to the building, fixtures, and fittings from risks like fire, flood, or vandalism.
Financial Security
Includes options such as loss of rent or tenant default cover, helping you stay financially stable if tenants can’t pay.
Liability Coverage
Provides Property Owners’ Liability protection in case a tenant or visitor is injured on your property.
Flexible Add-Ons
You can add cover for contents, alternative accommodation, or legal expenses to suit your specific rental needs.
Documents Required for Landlord Insurance
To process your Landlord insurance application smoothly, you will need to provide several documents. These may vary depending on your employment status and personal circumstances
Personal Identification
Valid photo ID – Passport or full UK driving licence
Proof of address – Recent utility bill, bank statement, or council tax bill (usually within 3 months)
Property Ownership Documents
Proof of property ownership – Title deeds or Land Registry document
Mortgage statement (if the property is mortgaged)
Tenancy agreement – Showing the property is rented out and details of tenants
Property Details
Full address and type of property (e.g. flat, house, HMO)
Year of construction and any major renovations
Security details – Locks, alarms, and fire safety measures
Current property valuation or rebuild cost estimate
Financial Information
Bank account details for premium payments or claim settlements
Proof of rental income (optional but sometimes requested)
Previous Insurance History
Details of any existing or previous landlord insurance policies
Record of any past insurance claims (usually within the last 5 years)
Safety Certificates (if applicable)
Gas Safety Certificate (CP12)
Electrical Safety Certificate (EICR)
Energy Performance Certificate (EPC)
Things to consider
Before moving home or changing your mortgage, it’s important to review your current situation carefully. Understanding costs, lender options, and any changes to your income can help you make the right financial decision.
Type of Cover
Choose buildings, contents, or both, depending on whether the property is furnished or unfurnished.
Tenant Type
Premiums can vary depending on tenants, e.g., professionals, students, or DSS tenants.
Loss of Rent & Liability
Ensure the policy covers unpaid rent and tenant or visitor injuries.
Accidental & Malicious Damage
Check if damage caused by tenants or unforeseen incidents is included.
Legal & Eviction Support
Consider optional cover for tenant disputes or eviction costs.
Rebuild Value & Safety Compliance
Make sure the sum insured matches the rebuild cost and that safety certificates are up-to-date.
Find Out Answers Here
Landlord insurance protects property owners who rent out residential properties. It covers risks like damage to the building, loss of rent, and liability for tenant injuries.
Yes. Standard home insurance is designed for owner-occupiers and usually doesn’t cover rental-related risks. Landlord insurance is tailored to protect rental properties.
Typical coverage includes buildings and contents insurance, loss of rent, tenant default, property owners’ liability, and sometimes legal expenses or eviction support.