Frequently Asked Questions
What is landlord insurance?
Landlord insurance is specialist insurance tailor-made for landlords. It’s there to protect your property, contents, your tenants - and YOU.
It can often be a condition of a buy-to-let mortgage, but it’s a pretty good idea in general. (Obviously we would say that, but it really is true!)
Do I need landlord insurance?
It’s not a legal requirement to have landlord insurance, but a standard home insurance policy won’t cover you for all the risks you’ll face when you rent out a property.
It turns out that nearly a quarter of landlords don’t have the right insurance for their rental buildings and contents. And if you’re not covered properly, you might not be able to claim – and that could end up hurting you right in the pocket.
Why is landlord insurance different to home insurance?
Lots of landlords believe homeowner’s insurance is all they need for their rental property. But home insurance just won’t cut the mustard when you’re renting out to someone else.
You wouldn’t be covered, for instance, if someone got hurt on your property, or if something happened and your tenants couldn’t live there while it was getting fixed - or if your tenants suddenly stopped paying rent and you had to pursue an eviction.
These are all options you’ll be able to access under a specialist landlords insurance policy.
Make sure you look at those options carefully so you know what you’re covered for, what you’re not covered for - and what cover options you might need for your particular property and tenants. We’re here to help, and explain the options simply and clearly.
What does landlord insurance cover?
A specialist landlord insurance policy will cover your building and contents, cover you for legal liability (so if someone gets hurts at your rental property), and cover you for loss of rent if something happens and your tenants can’t live in the property.
With our landlord insurance, you can also choose to guarantee a rental income, cover accidental or malicious damage, get help with emergency repairs, or get help with legal costs - for instance in case you have to pursue an eviction.