Simple Landlords Insurance

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Landlord insurance made simple

The last thing busy landlords need is over-complicated insurance. So for the last 10 years we’ve just offered quality cover from as little as £114.50.

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“The price was the best I could find without compromising cover.”
Feefo - 4.5 out of 5 stars

See why our landlords trust us

Why choose us?

At Simple Landlords Insurance, we believe in keeping things simple.

We like to use plain English, we don’t like hidden costs, and we don’t like a lot of fuss. We bet you don’t either.

We’re not here to catch you out - we’re proud to say we always try and pay out when you need us to. That’s why we want to get you the right landlord insurance cover, right now.

We’ll help you understand all your insurance options - so you know exactly what you’re covered for, and you won’t end up paying for more than you need.

You get peace of mind, and we get happy customers.

Simple isn’t it?

Award winning landlord insurance

We’re chuffed to have that been named Best landlord insurance provider at the Property Wire Awards 2017 AND 2018, and best landlord insurance provider at the Landlords and Lettings Awards in 2016.

What Mortgage Awards 2017 - Best Landlord Insurance Provider Property Wire Awards 2017 - Best Landlord Insurance Provider Landlord & Letting Awards 2017 - Supplier of the Year

5* Defaqto cover

Our landlord insurance has been awarded 5 stars by independent financial reviewers Defaqto - so you know you're getting the best cover there is.

And you don’t just have to take our word for it! Customers also score us 4.5 stars out of 5 on independent feedback service Feefo.

Defaqto 5 stars for Landlord home insurance

Here’s our Simple promise:

  • Our landlord insurance quotes start from as little as £114.50* a year per property
  • If you’ve got a portfolio, we’ll get you an account manager, and you’ll get even leaner pricing and no fees
  • You’ll only pay for the cover you need, building your own landlord insurance policy from our wide range of optional extras
  • If you need help you’ll talk to our friendly, Yorkshire-based team on the phone
  • You’ll get to choose the right level of excess for your properties
  • We’ll give you legal liability and loss of rent protection - as standard
  • We can help you cover your unusual or risk-prone properties
  • You’ll be in safe hands, because we’re an award winning, specialist landlord insurance provider
  • We’ll give you a no-fuss, no-nonsense, straight talking service - online and on the phone.
Our Promise

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Carl Agar

Back to school… for landlords

By Carl Agar

There are so many changes happening within the industry and there’s always so much to learn… In a bid to help you stay on top, our resident expert Carl Agar of Big Red House provides you with a round-up of FREE resources to give you a head start.

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?

Inside shot of a window

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.

  • Home emergency cover

    Broken heating, leaking roofs and blocked drains are not only hassle to repair, but they can cause disruption and discomfort to your tenants and cause damage to your property.

    What our home emergency options cover

  • Rent guarantee insurance

    If your tenant has defaulted on their rental payment, would you be able to cover the cost of your mortgage repayments - or other costs - which their rent usually covers?

    What rent guarantee covers

  • Legal expenses

    Renting out a property can lead to a range of legal disputes which could cost time, stress and money.

    What legal expenses covers