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Compare Landlord Insurance

When becoming a buy to let investor, taking out the best comprehensive insurance policy available can be a wise move. There are many risks associated with becoming a landlord, and taking out cover to protect your rental property can protect your investment in the long run. However, you can’t buy regular home insurance for your property. This means you’ll need to source cover through a specialist provider. Below we’ve listed some providers and explained what landlord insurance is and what it may cover.

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Featured landlord insurance providers

  • Alan Boswell Group
    • In-house claims team and dedicated account handler to guide you through any difficult claims
    • £5 million property owners’ liability cover, malicious damage by tenants and Employers' liability covers as standard
    • Additional landlord insurance covers available, such as landlord contents insurance, rent guarantee insurance, legal expenses, and home emergency.
    •  A range of property insurance to suit your needs from first time landlords to Multiple property landlords, Commercial landlord, Holiday home, Blocks of Flats, Serviced accommodation, and Airbnb’s (Multiple property discount available).
  • Premierline
    • Available covers include: Building and contents cover, property owners liability, legal expenses & landlord emergency cover
    • Compare landlord quotes from some of the UK most trusted insurers
    • It’s simple to get quotes and protect your property investment
    • Insurance advisors available to over the phone to tailor cover & provide guidance
    • Excellent customer service rating
  • Swinton
    •  Unoccupied properties covered up to 60 days
    •  Protection against a wide range of perils, including – but not limited to – fire, storm, flood and landslip
    •  Flexibility to include/exclude subsidence cover
    •  24-hour claims assistance, 365 days a year
  • Superscript
    • Monthly cover with no annual contracts
    • No upfront costs or fees to make changes
    • Up to 17.5% multi-property discount
    • Includes buildings and fixtures & fittings cover
    • Plus property owners liability cover as standard
  • Autonet

    We aim to offer you a Landlord Insurance policy with all the elements you need to suit your needs. As standard, our Landlord Insurance cover includes the following:

    • Unoccupied properties covered up to 60 days
    • Protection against a wide range of perils, including – but not limited to – fire, storm, flood and landslip
    • Flexibility to include/exclude subsidence cover
    • 24-hour claims assistance, 365 days a year

    You can choose the option of Buildings Insurance, Contents Insurance or combined, and we can provide cover for a variety of tenants, including students and DSS.

Note

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Disclaimer

The list of landlord insurance providers on this page is a selection of services available and gives you an idea of the kind of options available. You can find out more about the individual products by visiting any of the providers listed. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfactscompare.co.uk will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfactscompare.co.uk recommends you obtain independent financial advice.

What is buy to let insurance?

Buy-to-let insurance, otherwise known as landlord insurance, is cover specifically designed for rental properties. A comprehensive buy-to-let insurance plan, just like regular home insurance, protects your home and its fixtures and fittings in the event of damage or theft.

The reason why landlords can’t use home insurance is because a buy-to-let property carries different risks, and is therefore priced differently. The type of cover might differ too. This is explained in more detail below.

Is landlord insurance a good idea?

It’s always a good idea to get some level of buy-to-let cover. While you might not need the most expensive insurance, being prepared for the worst can give you some peace of mind that you won’t be at risk of footing an unnecessary bill.

What is the best landlord insurance company?

To help you find some of these comprehensive, value-for-money landlord insurance deals we’ve created the table below. You can use it to compare and evaluate some noteworthy deals on the market.

 

What parts of the policy do we look at?

The many factors we look at to determine star ratings include:

  • Maximum sums insured
  • Standard excesses
  • Accidental damage cover
  • Legal expenses
  • 24 hour emergency helpline
  • Alternative accommodation
  • Property owner's liability
  • Employer's liability
  • Rent guarantee cover
  • Loss of rental income
  • Theft by tenant cover
  • Malicious damage cover
  • Unauthorised alterations cover
  • Subsidence cover
  • Burst and blocked pipes
  • Outbuildings cover
  • Garden cover
  • Home emergency cover
  • Home emergency repair guarantee
  • Key cover
  • Maximum sums insured
  • Standard excesses
  • Accidental damage cover
  • Legal expenses
  • 24 hour emergency helpline
  • Alternative accommodation
  • Property owner's liability
  • Employer's liability
  • Rent guarantee cover
  • Loss of rental income
  • Theft by tenant cover
  • Malicious damage cover
  • Unauthorised alterations cover
  • Subsidence cover
  • Burst and blocked pipes
  • Outbuildings cover
  • Garden cover
  • Home emergency cover
  • Home emergency repair guarantee
  • Key cover
  • Maximum sums insured
  • Standard excesses
  • Accidental damage cover
  • Legal expenses
  • 24 hour emergency helpline
  • Alternative accommodation
  • Property owner's liability
  • Employer's liability
  • Rent guarantee cover
  • Loss of rental income
  • Theft by tenant cover
  • Malicious damage cover
  • Unauthorised alterations cover
  • Subsidence cover
  • Burst and blocked pipes
  • Outbuildings cover
  • Garden cover
  • Home emergency cover
  • Home emergency repair guarantee
  • Key cover

Landlord Home Insurance Star Ratings 2024

Click the headings below to see the full list of star ratings awarded.

Landlord Home Insurance – Five Star

3XD - Landlords Insurance
Admiral - Platinum Landlord Insurance
AmTrust Europe Ltd - Residential Property Owner
AXA Insurance - Commercial and Residential Landlords Insurance
Cherish Insurance Services - Residential Landlord Insurance
Churchill - Property Owners Insurance
Covea Insurance - Property Owners
Direct Line - Landlord Insurance
Horizon - Let Policy
LV= - Landlord Insurance
MORE TH>N BUSINESS - Landlord Insurance
NIG - Property Owners
Paymentshield - Landlords Insurance
Plum Underwriting - Let UK Landlords Home Insurance
Prestige Underwriting - Coverall Household Insurance (Landlord)
Property Protector - Elite
Property Protector - Prestige
Property Protector - Prime
Property Protector - Property Owners Select
RSA - Properties
Saga - Landlord Insurance
Stephen Lower Insurance Services - Property Owners
Superscript - Landlord Insurance
Uinsure - Landlord Insurance
Victor Insurance - Property Owners Secure
Zurich - Property Owners

Landlord Home Insurance – Four Star

Admiral - Admiral Gold Landlord Insurance
Allianz - Complete Property Owner
Assurant Intermediary Ltd - Landlord's Insurance
AXA Direct - Residential Landlord Insurance
AXA Insurance - Buy to Let
British Gas - Landlord Insurance
Commercial Express - Residential Property Owners Let Secure
Countrywide Insurance Services - Landlord Insurance
County Insurance Services - Property Owners
Ecclesiastical - Property Owners Insurance
First2Protect - Let Property
Frontier Insurance - Landlord Insurance
Geo Personal Lines - FlexiLet Insurance
Highhouse Insurance Services - Landlords Insurance
HomeLet - Landlord's Insurance+
Homeprotect - Home Insurance For Landlords
Just Landlords - Tenanted Property
Let Alliance Ltd - Landlords Let Residential Insurance
Midas Underwriting - Midas Crown
NFU Mutual - Property Owners Insurance
Plum Underwriting - eLet UK Landlords Home Insurance
Protect My Let - Digital Commercial Property Owners
Protect My Let - Landlord's Buildings and Contents
SAGIC - Property Owners Insurance
Victor Insurance - Property Owners
Victor Insurance - Property Owners Flex

How much is buy to let insurance?

This depends on your level of chosen cover. Remember, the cheapest insurance policies don’t always represent the best value for money. They can lack sufficient cover, and ultimately leave you out of pocket. In addition to this, costs will also depend on your rental property too. Your premiums will likely be influenced by the property’s location, size, and build to name just a few variables.

What insurance do I need for buy to let in the UK?

Like home insurance, landlord insurance policies are not a legal necessity. However, when applying for a buy-to-let mortgage, your lender could make this a requirement before releasing money to you. The reason behind this is that it adds another layer of security to your rental property. If, for example, your property is ruined by a flood your mortgage lender will feel comforted that the cost of repairing your property is covered while you keep up with your regular mortgage contributions.

What is covered by landlord insurance?

Your chosen landlord insurance policy might not include all cover listed below; these are just some areas of cover which are available.

Buildings and contents cover

Buildings and contents cover should be at the core of your insurance policy.

Since damages to your rental property can come in many forms, through floods or fires for example, buildings cover can protect the value of your property. When covered under this policy, a claim can be used to rebuild or repair any damages caused.

Contents insurance, meanwhile, will cover the items inside your buy-to-let home in case of damage or theft. This is especially important if you’re letting a furnished home with expensive furniture and appliances.

Even if your home is unfurnished it may be worth purchasing contents insurance. This is because it covers things that comes with your buy-to-let property such as carpets or curtains.

 

Loss of rent cover

Loss of rent cover is designed to cover the gap in your rental income if your buy-to-let home becomes unhabitable. For example, if a fire destroys the roof of your rental home, your tenants will be forced to move out and find alternative accommodation. Until the roof is fixed, you won’t be earning any rent and you’ll suffer from a loss of income.  

It’s important to remember that your buy-to-let mortgage payments don’t stop even if you aren’t receiving rental income. So this cover can give you peace of mind that you’ll always be able to afford your mortgage if the worst were to happen. Otherwise, if you can’t keep up with the payments, you could lose your rental property altogether.    

Legal protection

If you get into a legal dispute with your tenant, it can get costly. Hiring solicitors and other legal resources can take a chunk out of your income, which is why legal protection will cover this cost.

Public liability insurance

Public liability insurance can be used to cover legal and compensation costs if someone were to be injured on your property. More information on this can be found in our guide.

In addition to this, you might want to consider employers’ liability insurance. This works similarly to public liability insurance, but is specifically made for any of your employees who are injured on your property. For example, if an electrician is electrocuted while working on your buy-to-let property this type of insurance can fund any legal or compensation costs involved.

 

Other considerations

Do tenants or landlords pay home insurance?

Building insurance will be the responsibility of the landlord because ultimately you can only insure what you own. If you’re a tenant, you can find more information on contents insurance on our home insurance pages. 

Do you need life insurance for a buy to let mortgage?

While it’s not a legal requirement, it can certainly count in your favour. If you’re a first time landlord and you’re struggling to get accepted for a buy-to-let mortgage then showing you have a life insurance policy in place can help your application. This is because, if you were to die while paying off your mortgage, the lender will be reassured that your debt will be repaid.

Can I get buy-to-let emergency cover?

Yes, this is often an optional extra on your landlord insurance policy. You would most typically use this for emergency situations like a burst water pipe or a sudden power outage. 

Compare other insurance policies

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Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.

Moneyfactscompare.co.uk will never contact you by phone to sell you any financial product. Any calls like this are not from Moneyfacts. Emails sent by Moneyfactscompare.co.uk will always be from news@moneyfacts-news.co.uk. Be ScamSmart.