Landlord Insurance, Built for the Risks Standard Policies Miss
A standard home insurance policy is built for someone living in the property, not renting it out, and most insurers will simply decline a claim if they find out it’s tenanted and you didn’t have the right cover. Landlord insurance is built for the risks that come with letting a property, not owning one to live in.
Landlords Insurance, in Plain Terms
Buildings Cover
Similar to standard home insurance but priced and underwritten for a rental property.
Landlord Contents Cover
For anything you provide (furnished lets, white goods, fixtures), not your tenant’s own belongings.
Loss of rent
If the property becomes uninhabitable after an insured event and you can’t let it out.
Malicious damage by tenants
Which standard contents policies typically exclude entirely.
Landlord liability cover
If a tenant or visitor is injured due to an issue with the property.
Rent Guarantee Insurance
This is a separate, optional add-on that covers you if a tenant stops paying rent, distinct from loss of rent cover, which applies after property damage. Worth considering particularly for a first rental property, where you don’t yet have a track record of reliable tenants to fall back on.
Why Landlords Sort their Insurance With Us
We check it's actually valid for a rental property
Standard home insurance bought without disclosing a tenancy can be invalidated entirely at claim time. We make sure what you’re covered by is actually built for letting, not a policy that looks similar but isn’t.
We flag the add-ons that matter for your situation
Rent guarantee, unoccupancy cover between tenancies, accidental damage by tenants, not every landlord needs every add-on, and we’ll tell you honestly which apply to you.
We review it as your portfolio changes
A new property, a change of tenant type, a period between lets, these can all affect what you need. We’re still here as your situation evolves.
Landlord Insurance FAQs
Is landlord insurance a mortgage requirement?
Most buy-to-let mortgage lenders require buildings insurance appropriate for a rental property as a condition of the loan, similar to residential mortgages, but specifically underwritten for letting.
Does landlord insurance cover loss of rent?
Many policies include or offer loss of rent cover, which applies if the property becomes uninhabitable after an insured event, like a fire or flood, distinct from a tenant simply not paying.
What is rent guarantee insurance?
A separate, optional cover that protects you if a tenant stops paying rent, regardless of property damage. It’s not automatically included in standard landlord insurance.
Does standard home insurance cover a rental property?
No, and using standard home insurance on a let property can invalidate your cover entirely if the insurer finds out. Always disclose that a property is tenanted and use cover built for landlords.
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Whether it’s your first rental or your tenth, let’s make sure it’s actually covered properly.
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