Skip to content

Landlord / Buy-to-let Insurance

Comparing landlord insurance quotes is quick, easy and straightforward with one short form, helping you review options from a range of UK providers.*

Get Landlord Insurance Quotes

Cover Rental Property with Landlord Insurance

Also known as Buy-to-let Insurance, Landlord Insurance is similar to Home Insurance but is designed for properties that are rented out to tenants. A standard home insurance policy may not cover a rented property in the same way, so it can help to understand the cover landlords commonly compare, including protection for the building, rental income risks, tenant-related issues and legal liabilities.

What does Landlord / Buy-to-let Insurance cover?

Landlord Insurance in the UK is a type of business-related property cover that can bring together several forms of protection for risks and liabilities connected with renting out a home. Landlord Insurance policies, sometimes described as Buy-to-let Insurance policies, vary by insurer and by the options selected, so it is worth checking the policy wording, exclusions, excesses and limits carefully. Depending on the insurer, a Landlord policy may include things like:

  • Buildings Insurance for the property you are renting
  • Contents Insurance for anything that you provide – carpets, curtains, sofas or beds for example
  • Landlord Liability Insurance – covers any claims against you if someone is injured or hurt because of something in the property
  • Unoccupied Property Insurance – covers your property for any times when you are between tenants and the house, flat or apartment is empty.

Are there extra benefits available with UK Landlord Insurance?

Very often, you can tailor your landlord / Buy-to-let insurance to include extra cover. For example, you may want to add an element of Rent Guarantee Insurance so that you have options available if a tenant is unable to pay their rent for a period of time.

All properties carry the risk of accidents or emergencies. Fires, burst pipes and floods can create extra problems for landlords because there may be damage to the property as well as disruption for the tenant if the home becomes uninhabitable. In a situation like this, a UK Landlord Insurance policy that includes Alternative Accommodation and Loss of Rent cover could be useful, subject to the policy terms, limits and exclusions.

We hope that every tenant works out wonderfully for you, but should problems arise, then added cover options could be helpful. Legal Expenses Cover would offer you financial support should you need to take your tenant to court. Malicious Damage Insurance can compensate you for any deliberate damage caused by a tenant.

Landlord / Buy-to-let Insurance

Comparing quotes is quick, easy and straightforward with one short form, so you can look at different landlord insurance options side by side.*

Get Landlord Insurance Quotes

Protection & Peace of Mind

Insurance isn’t always a legal requirement for every situation, but it can so often provide reassurance and security for you, your business and your family. Explore more types of insurance below – and discover easy ways to compare great quotes from UK insurance companies, thanks to our partnership with Quotezone.co.uk

A simple line-drawn scene, in the Here4 Insurance brand colours of yellow and red, depicting a road with a number of different vehicles on it including cars, vans, trucks, motorhomes, taxis, motorbikes and bicycles. The scene represents some of the types of UK Vehicle and Driver Insurance available in the On the Road category on the Here4 Insurance website.
On The Road
A simple line-drawn scene, in the Here4 Insurance brand colours of yellow and red, depicting a row of different buildings, including houses, apartments, flats, shops, offices, commercial property and rental property. The scene represents the types of UK Insurance available in the Homes and Buildings category on the Here4 Insurance website.
Home & Buildings
A simple line-drawn scene, in the Here4 Insurance brand colours of yellow and red, depicting a town landscape in which different businesses have their offices, workshops, garage and shops. The buildings symbolise the many different businesses, trades and professionals who can find relevant insurance products in the Business, Work and Trade section of the Here4 Insurance website.
Business, Work & Trade
A simple line-drawn scene, in the Here4 Insurance brand colours of yellow and red, depicting a row of different suitcase and travel bags to represent the types of UK Insurance available in the Travel, Holidays and Leisure category on the Here4 Insurance website.
Travel, Holidays & Leisure
A simple line-drawn scene, in the Here4 Insurance brand colours of yellow and red, depicting several different groups of people in a park - one is walking a dog, a couple are sitting on a blanket playing with their young child, and another, younger couple are sitting together on a park bench talking about their future. The scene represents the types of UK Insurance available in the Personal Family and Pets category on the Here4 Insurance website.
Personal, Family & Pets
*

*Here4 Insurance have partnered with Quotezone.co.uk to help you compare Landlord Insurance quotes. Quotezone.co.uk is a trading style of Seopa Ltd who are a limited company registered in Northern Ireland, Registered number: NI46322. Registered office: Seopa Ltd, Floor 4 Blackstaff Studios, 8-10 Amelia Street, Belfast, BT2 7GS. We are an Introducer Appointed Representative (IAR) of Seopa Ltd. Seopa Ltd is authorised and regulated by the Financial Conduct Authority (FCA). Their registered number is 313860.