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Landlord Insurance

Landlord Insurance

Landlord Insurance — Protect Your Rental Property Investment

Landlord insurance is similar to home insurance but specifically designed to cover rental properties. As a landlord, you face risks that standard home insurance does not cover — tenant damage, loss of rental income, liability claims from tenants or visitors, and the cost of alternative accommodation if your property becomes uninhabitable.

At UK Sure, we provide landlord insurance for buy-to-let properties, HMOs, and property portfolios. Our policies cover buildings insurance, landlord contents insurance, landlord liability, loss of rent, and legal expenses. We also cover non-standard properties, properties with multiple tenancies, and unoccupied periods between tenants.

Whether you own one rental property or a portfolio, UK Sure will find the right cover.

Get a quote online or call us on 01323 416706.

Why Our Landlord Insurance

1. Buildings insurance for the property structure
2. Landlord contents cover for furnished lets
3. Landlord liability insurance
4. Loss of rent cover if the property becomes uninhabitable
5. Legal expenses cover available
6. Portfolio policies for multiple properties

What's NOT Covered

1. Tenant's personal belongings (their responsibility)
2. Wear and tear or gradual deterioration
3. Damage caused by lack of property maintenance
4. Intentional damage by the policyholder
5. Business use by the tenant (unless declared)

Key Features of Our Landlord Insurance

As a landlord, your rental property is an investment that needs protecting. UK Sure provides specialist landlord insurance covering risks that standard home insurance does not address.

Loss of Rent Cover

If your property becomes uninhabitable due to fire, flood, or major damage, loss of rent cover compensates you for the rental income you would have received.

Portfolio Policies

Own multiple rental properties? Cover them all under one policy with one renewal date — simplifying admin and often saving money.

UK Sure works with specialist property insurers who understand the buy-to-let market. Whether you own a single flat or a portfolio of houses, our policies cover the specific risks landlords face.

Buy-to-let, HMOs, and multi-tenancy properties
Furnished and unfurnished lets
Unoccupied periods between tenants covered
Legal expenses for tenant disputes
Landlord Insurance key features
● DETAILS

Additional Landlord Insurance Details

Protect your property from the unforseen

Landlord insurance is similar tohome insurancebutspecificallydesigned to cover rental properties.

The three main types of landlord insurance are buildings, contents, and liability insurance.

Cover is provided for buildings, loss of rent, and property owner liability. Additional covers include landlord's contents, accidental damage, subsidence cover, and legal expenses cover up to £100,000.

Beyond these, there are various add-ons you may find helpful, depending on the type of property you're letting.

As a specialist insurance broker, we can secure cover for even the most unusual homes. And we do so at a great rate where other companies would struggle even to provide a quote.

Landlord insurance is cover that protects landlords from risks associated with their rental property. It usually includes anybuilding you own and rent and can include the contentsof those buildings too. This insurance covers you against any unpredictable events such as fire, flood, theft or vandalism.

You are also protected should any tenants claim against you. This is different tohome insuranceas it includes cover for problems that specifically landlords may face.

Landlord insurance protects a property if it is damaged and also protects landlords from many other risks, including damages, theft, liability claims, andeven loss of rent from tenants.

Renting your property comes with many things that are out of your control that you may still be liable for, which is why it is always worth covering your assets just in case the worst happens. Having an insurance policy in place will help you when you need it most.

Different types of landlord insurance cover you for other risks. The type of cover you choose depends on what risks you would like to be covered for. These are a few of the different types of cover:

Landlord contents insurance

Contents insurance is especially important if you rent a furnished property. It can pay for repairs or replacements if your possessions have been stolen, damaged, or destroyed. Find out more about landlord contents insurance.

Property owners’ liability insurance

Accidents occur constantly. Things like loose or slippery flooring are quite common amongst rented properties and can lead to slips and trips. Landlord liability insurance is designed to protect you from injury or damage claims related to your rental property. It is a type of public liability insurance built specifically for landlords.

Unoccupied property insurance

Landlord insurance for unoccupied properties is a type of cover you can take out to protect your property while you don’t have any tenants living there.

Tenant default insurance

If your tenant fails to pay their rent, tenant default insurance can cover your rent for a set period. Rent guarantee insuranceprotects landlords from the real risk of non-payment of rent.

Landlord buildings insurance

Your landlord insurance covers the property as long as you have building insurance as part of your policy. It can cover the costs of rebuilding or repairing your property if it is damaged by fire or vandalism.

Your mortgage lender may also ask you to take out a specialist landlord insurance policy to protect your property. However, legally, you are not required to have landlord insurance. Landlord insurance helps protect your property, as well as you and your tenants. If you rent out a property, a conventional home insurance policy won’t cover you for any rental activities or related issues. Essentially, landlord insurance covers you against unpredictable events, so you should always have an insurance policy in place. In the long run, having an insurance policy will help you avoid putting yourself and your assets at risk.

  • Property owner Liability
  • Landlord Contents Insurance
  • Property owners Liability Insurance
  • Unoccupied Property Insurance
  • Tenant Default Insurance
  • Landlord Buildings Insurance
● FAQS

Frequently asked questions

1. What is landlord insurance?

Landlord insurance covers rental properties against damage, liability claims, and loss of rental income. It includes buildings cover, contents cover for furnished lets, and landlord liability. Call 01323 416706 for a quote.

2. Is landlord insurance a legal requirement?

Landlord insurance is not a legal requirement, but buildings insurance is usually required by your mortgage lender. Landlord liability and loss of rent cover are strongly recommended to protect your investment.

3. Can I insure multiple rental properties?

Yes. We offer portfolio landlord insurance covering multiple buy-to-let properties under one policy with one renewal date. This simplifies admin and can reduce costs. Call 01323 416706 to discuss.

4. Does landlord insurance cover tenant damage?

Malicious damage by tenants can be covered under landlord insurance, though some policies apply specific terms. Accidental damage cover can also be added. Check your policy or call 01323 416706.

5. What is loss of rent cover?

Loss of rent cover compensates you for rental income lost if your property becomes uninhabitable due to an insured event — such as fire, flood, or major damage. It covers your income while repairs are carried out.

6. Do I need landlord insurance for an HMO?

Yes. HMOs have additional risks due to multiple tenancies and shared areas. Specialist HMO landlord insurance covers these additional liabilities. Call 01323 416706 to discuss your options.

7. What will you most likely need to insure as a landlord?

The core covers of landlord insurance include property damage, liability protection, and rental income lost due to a tenant's inability to rent. Additional riders—or add-ons to policies—can be purchased to cover income lost when a tenant misses a rent payment and flood damage.

8. What is the most basic insurance policy available for rental properties?

Landlords: DP-1 insurance can cover your rented properties if you're a landlord. It will cover damages caused by designated risks. It's a basic form of landlord insurance providing the least cover and therefore may not be for people who rely on their property for income.

9. What insurance do landlords need in the UK?

Standard landlord insurance policies typically start with building insurance and property owners' liability insurance. These cover the cost of repairing or rebuilding your property and cover any personal injury to a tenant or visitor.

10. Is it worth being a UK landlord?

Good long-term return on investment If you're a new landlord, it's important to remember that becoming a landlord is not a get-rich-quick scheme. It may take some time before you see a significant return on investment, but it's certainly worth it for the long-term results.

11. Which insurance is best for investment property?

Whatever type of rental property you own, you might want to consider getting Landlord Insurance to protect the property against potential risks like theft, natural events, tenant damage, rent defaults and more.

12. What type of property has the highest ROI?

High-Tenant Properties – Typically, properties with a high number of tenants will give the best return on investment. These properties include RVs, self-storage, apartment complexes, and office spaces.