Landlord Insurance

Whether letting out a single property or managing a larger portfolio, landlords face unique risks that standard home insurance may not cover. Landlord insurance is designed to offer tailored protection for rented properties, helping landlords manage costs, claims and liabilities associated with rental activity.

We help landlords compare specialist landlord insurance policies from a wide panel of UK providers to find the most suitable cover based on their property type, tenant profile and risk level.

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How It Works

1

Call us or complete our online quote form. We’ll collect a few key details about your business.

2

We’ll contact you to confirm everything, talk through your needs, and match you with the right level of cover.

3

We compare quotes from our panel of 20+ insurers, present your options, and explain the details before you buy.

Buy To Let

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Commercial Buildings & Units

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HMO's & Student Lets

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Multi-Property Residential

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Insurance Revolution's Reviews

What is Landlord Insurance?

Landlord insurance is a dedicated form of property insurance that can help cover loss or damage to a rental property, along with legal liability, rental income loss, and risks related to tenants.

Unlike standard home insurance, it is specifically designed for properties let to tenants, whether they are residential occupants, students, housing association tenants or commercial lessees.

Why Is Landlord Insurance Important?

Standard home insurance typically excludes cover for rental activities. If a tenant causes damage, stops paying rent, or a fire renders your property uninhabitable, a landlord policy may provide cover that a regular homeowner policy wouldn’t.

In addition, some mortgage lenders may require evidence of adequate landlord insurance before approving a buy-to-let loan.

How Much Does Landlord Insurance Cost?

Premiums vary based on:

Location and rebuild value of the property
Tenant type (e.g. professionals vs students)
Property type (e.g. detached house, flat, HMO)
Claims history
Optional extras included (e.g. rent guarantee or legal expenses)
Level of cover chosen

Flexible cover options are available, and premiums could be paid monthly or annually. Comparing quotes from multiple providers is key to getting value.

Key Risks Faced by Landlords

Fire, flood or storm damage to the property
Rent default by tenants
Liability claims from visitors or neighbours
Legal costs from tenant disputes or evictions
Theft or malicious damage by tenants
Emergency repair costs for heating, plumbing or electrics

Having an insurance policy tailored to landlord risks could help safeguard both income and investment.

Why Choose Insurance Revolution

We tailor your policy so you only pay for what you need

Access to specialist insurers for landlord and property cover

Access to 20+ leading UK insurers

Flexible policy options for all property types and tenant profiles

UK-based team to support you when you need us most

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Buildings Insurance

Can protect the structure of your property against risks such as fire, flood, storm, vandalism or subsidence. Includes permanent fixtures such as kitchens, bathrooms and outbuildings.

Contents Insurance (for Landlords)

May cover furnishings, white goods, carpets, and appliances provided as part of a furnished or part-furnished rental. Does not cover tenant belongings.

Property Owners' Liability Insurance

Could protect against claims made by tenants, visitors or the public if they are injured or suffer loss/damage due to the property. Often essential for legal and financial protection.

Loss of Rent Cover

May provide compensation if the property becomes uninhabitable due to an insured event (e.g. fire or flood) and you lose rental income as a result.

Alternative Accommodation Cover

Could help cover the cost of temporarily rehousing tenants if the property cannot be lived in following an insured event.

Landlord Legal Expenses Cover

Often available as an add-on, this may assist with legal fees arising from disputes with tenants, such as evictions, unpaid rent, or damage claims.

Rent Guarantee Insurance

Can provide rental income protection if tenants default on their payments, subject to eligibility and terms.

Accidental Damage Cover

Optional protection for unexpected damage to the building or contents caused by tenants, contractors or visitors.

Employers' Liability Cover

Often a legal requirement if staff are employed for property maintenance, cleaning or management. May protect against claims for injury or illness.

Policies can be customised to reflect your property setup, tenant type and business activity.

FAQs

Landlord insurance is designed for rental properties and covers tenant-related risks, such as property damage, loss of rent, and liability claims. Standard home insurance won’t cover you if you rent out the property to tenants.

Yes. If you let out a flat, even to one tenant, standard home insurance won’t be valid. Landlord insurance is recommended to protect your investment, income, and legal obligations, especially for buy-to-let flats.

Yes. Policies can be tailored for houses in multiple occupation, though they may carry different pricing and underwriting criteria.

Yes, many policies include malicious and accidental tenant damage, though this may be an optional add-on. It helps cover repairs caused by tenants beyond normal wear and tear

Yes. We offer multi-property landlord insurance policies, which simplifies management and can save money. It’s ideal for landlords with 2 or more rental properties, residential or mixed-use.

START YOUR QUOTE CALL US

OR CALL 0330 054 0545

START YOUR QUOTE OR CALL 0330 054 0545