What Is Residential Landlord Insurance?

Residential landlord insurance is a type of cover designed specifically for property owners who rent out one or more residential dwellings. Standard home insurance may not typically cover let properties, so landlord-specific cover can help protect you against the risks associated with renting.

Why Might Landlords Need Insurance?

Letting out residential property comes with legal and financial responsibilities. Residential landlord insurance can support landlords by helping manage the risks involved. Whether it’s accidental damage from a tenant, a burst pipe, or legal issues over unpaid rent, insurance could protect against unexpected costs.

Potential risks landlords face:

• Fire or water damage
• Theft or vandalism
• Tenant injury claims
• Disputes around deposits or rent arrears
• Damage caused by illegal activity

Having the appropriate insurance in place can provide protection and demonstrate responsible property management.

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What Does Residential Landlord Insurance Typically Cover?

The exact level of protection depends on the insurer and chosen policy, but cover can typically include:

1. Buildings Cover

Protects the bricks and mortar of your rental property, including permanent fixtures like bathrooms, kitchens, and fitted wardrobes.

2. Landlord Contents Cover

Applies to furniture, appliances, and furnishings provided by the landlord — not tenant belongings.

3. Loss of Rent

Could reimburse missed rental income if the property becomes uninhabitable due to an insured risk, such as a fire or flood.

4. Property Owners’ Liability

Provides cover in the event of claims from tenants, tradespeople, or visitors injured on the premises.

5. Alternative Accommodation

If tenants need to be rehoused following an insured event, this cover may help with those costs.

6. Employer’s Liability (if required)

If you employ staff (such as a property manager or cleaner), this cover may be legally required.