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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.*

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Cover Rental Property with Landlord Insurance

Also known as Buy-to-let Insurance, Landlord Insurance is designed for homes rented to tenants. Standard Home Insurance may not cover a property used in this way, so landlords often compare protection for the building, any contents they provide, liability risks and possible loss of rental income. Cover, exclusions and eligibility can differ between insurers.

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

Landlord Insurance in the UK can combine several types of protection for the risks and responsibilities involved in renting out a home. Policies vary by insurer, property and selected options. When comparing cover, check the policy wording for insured events, exclusions, excesses, claim limits and any conditions relating to tenants or periods when the property is empty. Depending on the insurer, a policy may include:

  • 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?

Some landlord or Buy-to-let Insurance policies offer optional extras. These may include Rent Guarantee Insurance, which can cover eligible unpaid rent in specified circumstances. Waiting periods, limits, tenant-reference requirements and exclusions can apply, so the exact terms are important when comparing options.

Fires, burst pipes and floods can damage a rental property and disrupt tenants if the home becomes uninhabitable. Depending on the cause and policy wording, Alternative Accommodation cover may help with eligible rehousing costs, while Loss of Rent cover may protect specified rental income during an insured event. Limits, time periods and exclusions vary.

Most tenancies run smoothly, but disputes or deliberate damage can still happen. Legal Expenses Cover may contribute towards eligible legal costs for certain disputes, while Malicious Damage Insurance may cover specified intentional damage caused by a tenant. Definitions, evidence requirements, excesses and claim limits differ between policies.

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

Landlord Insurance is not generally a legal requirement, although a mortgage provider may require particular cover. Prices and acceptance can vary according to factors such as the property type, location, rebuild cost, tenant profile, security, claims history, occupancy and the cover selected. Comparing policy terms as well as price can help you understand how different options deal with the risks that matter to a rental property.

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
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Business, Work & Trade
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Travel, Holidays & Leisure
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Personal, Family & Pets
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*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.

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