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
What's NOT Covered
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.
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.