Landlord building insurance for residential property you rent out. Buildings, contents, loss of rent and property owners’ liability on one schedule, for a single flat or a portfolio.
Cover is built in layers. Buildings and contents form the core, and the optional elements deal with the parts of letting that hurt most when they go wrong: lost income, legal costs and accidental damage.
The structure plus outbuildings, garages, boundary walls, fences, gates, drives and landlord fixtures. Professional fees and debris removal sit inside the buildings sum insured. Accidental damage can be added.
e.g. A Victorian terrace let to sharers, roof and ceilings rebuilt after a storm brought a chimney stack down.
The things in the property that stay with you rather than the tenant. Carpets, curtains, blinds, white goods, fitted kitchens, and full furnishings on a furnished let. Accidental damage is available here too.
e.g. A furnished two-bed flat where a burst washing machine hose destroys the flooring throughout.
Loss of rent covers the income lost while an insured event is put right. Rent protection is the optional add-on that responds when a tenant stops paying, and it pairs naturally with legal expenses cover.
e.g. A let house uninhabitable for four months after a fire, with the rent paid through the rebuild.
Property owners’ liability for injury or damage caused by the building itself, plus employers’ liability if you employ a cleaner, gardener or caretaker at the property.
e.g. A tenant injured when a rotten section of external staircase gives way.
The property must be residential and in reasonable order. Beyond that, the policy is written for most ways of owning and letting a home.
Single buy-to-let
One house or flat let on an assured shorthold tenancy.
Portfolio landlords
Up to 150 properties online, on one schedule and one renewal date.
Flats and apartments
Purpose-built and converted flats up to four storeys.
Limited companies and LLPs
Property held in a company or partnership rather than personally.
SIPPs and trusts
Property held inside a pension or a trust structure.
Student and sharer lets
Houses in multiple occupation and shared student accommodation.
Accidental landlords
An inherited or previously owner-occupied home now being let out.
New landlords
First-time landlords taking on a property for the first time.
Properties need to be in a good state of repair, secure, weatherproof and structurally sound, of standard brick, stone or concrete construction, and free of current flooding or subsidence problems. The property must be in England, Scotland, Wales, Northern Ireland or the Isle of Man, and it must be residential: any commercial use pushes it onto a different policy. If yours falls outside that, call us rather than the portal and a broker will place it in the specialist market.
Answer the questions on our portal and buy the policy in one sitting. Prefer to talk it through, or got a portfolio worth quoting properly? Call us instead.
The questions we hear most often from residential landlords.
Home insurance is written on the assumption that the owner lives there. Once a property is let, the risk profile changes: different people are in the building, you are no longer there day to day to spot problems, and you have liability as the owner rather than the occupier. Most home insurers treat the policy as invalid from the day the tenancy starts, which is why let property cover exists.
Cannot see your question? Speak to our team on 01782 739099.
Why use a broker
FCA regulated
Authorised and regulated by the Financial Conduct Authority.
Experienced team
Decades of combined commercial broking experience behind the firm.
Named broker
A direct line to the same person at quote, renewal and claim.
Independent
No tie-ins. We use the market that fits the property.
● Cover that often sits alongside this
Ready when you are
Buildings, contents, rent and liability on one schedule. Buy it online now, or let a broker place it for you.
