Complete landlords insurance from Simple

When you need insurance for rented properties, there's more to take into consideration than just the bricks and mortar. Unlike ordinary home insurance, health and safety also comes into the equation and as well as property to look after you have people to protect - tenants and yourself. It is essential for every landlord to protect themselves against potential legal actions arising from accidents, injuries and even fatalities on their property.

Simple landlords insurance will protect you, your property and your tenants with the following cover:

Landlord liability insurance

According to the Association of Residential Lettings Agents (ARLA), claims for personal injury have increased by 85% in the last decade. With awards of over £100,000 not uncommon, it is absolutely essential to have adequate liability cover.

Where buildings insurance is included, your Simple landlords liability insurance provides cover of £2m as standard, upgradeable to £5m.

Landlords buildings insurance

Given that ARLA estimates that some 40% of UK properties are under-insured, it is vitally important to make sure that your insurance protection covers you for the full rebuilding cost of your property.

Simple landlords buildings insurance provides cover from £75,000 up to £2m to protect you against the cost of structural repairs.

Landlords contents insurance

When letting furnished property, you need to know that if items get damaged, broken or stolen, you can replace them. We do so on a new for old basis, and your cover, from £5,000 to £50,000, includes the carpets and furniture.

Loss of rent insurance

In the event of damage or repairs covered by your policy which make your property uninhabitable by your tenants, cover for up to 20% of the buildings sum insured will see to it that you won't be out of pocket. Read more about unoccupied property cover from Simple.

Alternative accommodation insurance

If you have to make a claim and your property becomes uninhabitable during the time in which repairs are carried out, our cover provides alternative accommodation for your tenants.

Accidental damage insurance

Accidents happen and should any of your tenants or other parties cause accidental damage to your buildings, your landlords buy-to-let home insurance may cover you.

Get a landlords insurance quote online from Simple.