Landlord insurance

Property cover without the premium prices

  • Buy landlord insurance buildings cover for less than £252 a year[1]

  • Compare tailored quotes from 15 trusted providers[2] to find the right cover for you

  • 10% of our customers paid less than £14.45[3] a month for their landlord insurance building cover.

[1] 51% of our customers were quoted less than £251.51 for their building cover business insurance in April-June 2026.

[2] Correct as of June 2026.

[3] 10% of our customers were quoted less than £14.45 per month in April-June 2026 for their building cover business insurance based on the monthly cost when paying for the policy in one annual payment, excluding any interest charged on instalment payments.

What is landlord insurance?

Landlord insurance is home insurance designed for rental properties, often combined with other insurance options for landlords. It includes one or more of:

  • buildings insurance - covering damage to the structure of the building and built-in features such as fitted kitchens.

  • contents insurance - covering items such as furniture, carpets and curtains.

  • rental protection insurance - to cover you if, for example, you can’t rent out the property due to damage.

  • liability insurance to cover you if you’re taken to court – this type of insurance can include property owners’ public liability or employers’ liability.

  • unoccupied property cover to cover you in-between tenants.

Compare quotes in minutes

From fixtures and fittings or buildings insurance to legal expenses, you can find insurance that's specially designed for the needs of landlords. We’ve teamed up with Simply Business to offer you tailored quotes from leading landlord insurance providers.

Provided by Simply Business and feefo star rating

What does landlord insurance cover?

Landlord buildings insurance and landlord contents insurance policies vary between providers. Read the policy documents carefully to check what is and isn’t covered.

Typically covered

  • Damage to the structure of the building, caused by fire, flooding and storm damage

  • Damage to fixtures and fittings, such as a fitted kitchen and bathroom

  • Theft and vandalism

  • Burst pipes, leaks and water damage

  • Subsidence or heave

  • Damage caused by falling trees

  • Alternative accommodation for displaced tenants

  • Deliberate damage caused by tenants (not always included as standard, may be available as an add-on)

Not typically covered

  • Your tenants’ belongings

  • Wear and tear: buildings or contents damage through normal use or because they haven’t been properly maintained

  • Damage caused by pets

Optional cover you can add on

  • Landlord contents insurance

  • Accidental damage by tenants

  • Legal expenses cover

  • Rent guarantee insurance

  • Rental income protection

  • Landlord emergency cover

  • Public liability insurance

  • Unoccupied property insurance

  • Employers’ liability insurance

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FAQs

Will standard home insurance cover a property I rent out?

No, regular home insurance might not cover all the issues that landlords might face. For example, standard home insurance doesn’t offer public liability cover, which could cover you if a tenant is hurt in your property and makes a claim against you.

How do I make a claim on my landlord insurance policy?

First, if a crime has taken place, call the police and get a crime reference number. Then contact your insurance provider.

Otherwise, contact your provider as soon as possible. Many have 24-hour helplines and can guide you through the claims process.

Can I get landlord insurance for multiple properties?

It’s possible to get landlord insurance for multiple properties. There are a couple of options:

  • Insure each property individually – you can compare policies tailored to suit each property.

  • Multi-property landlord insurance – we can’t help you compare policies and prices for this, but you can contact insurance providers directly for a quote.

Is landlord insurance in the UK tax deductible?

Yes, landlord insurance is tax deductible.

Do I need landlord insurance if I live in the property?

It depends on whether the person you’re renting to is a tenant or a lodger.

If you have a tenancy agreement, which means you can’t enter the person’s room without permission, you’ll need landlord insurance. You’ll need to specify that you live in the property when you buy landlord insurance.

If you have a lodger – that’s someone who lives in your home and shares living space with you – then you may need to update your home insurance to cover this.

Does landlord insurance cover loss of rent?

Rent guarantee insurance could cover your rental income if your tenants can’t pay their rent. It typically covers you for a set amount of time while you seek repossession of the property.

If a dispute with your tenant for non-payment of rent ends up going to court, rent guarantee insurance could cover your legal costs.

Do I need to take out boiler cover as a landlord?

It’s not a legal requirement but it is the responsibility of the landlord to take care of boiler repairs and servicing.

If you’re a landlord, an annual gas safety check is a legal requirement. A qualified Gas Safe registered engineer must check gas appliances and flues every year to make sure that everything is safe. This includes boilers, but also other gas appliances that the landlord owns such as hobs and fireplaces.

Tenants need to arrange servicing of any appliances they own such as a gas cooker. Boiler cover could protect you from an unexpected bill down the line and a boiler care plan could include the annual service.

It could also help keep your tenants happy with a fast response to boiler issues.