Accidental Landlord Insurance

moneysupermarket.com has teamed up with the leading UK landlord insurance companies to help you find a cheaper deal to protect your buy to let investments.

Use our collection of specialist insurers below to compare landlord insurance policies and find buildings and contents insurance, legal expenses cover and rent guarantee insurance to help make your life as a landlord a whole lot easier.

MoneySupermarket doesn't offer a comparison service for this type of product but we have compiled a list below of insurers who can help

Landlord insurance providers/products

    • Provider/Product name Landlord Insurance

      CIA

      Landlord Insurance

    • Description

      CIA are one of the UK's leading landlord insurance providers with over 20 years experience in the insurance market. They guarantee to beat any quote or renewal and include free accidental damage on buildings. They also cover loss of rent and alternative accommodation as standard. Apply online today.

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    Sponsored Listing

    A panel of 10 insurers including Ageas, Axa and Legal & General

    • Provider/Product name Landlord Insurance

      Simply Business

      Landlord Insurance

    • Description

      Simply Business are landlord insurance specialists offering comprehensive cover to match your specific needs. Complete a quote online today and receive subsidence cover as standard as well as alternative accommodation cover. Apply online for a quote today.

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    Sponsored Listing

    A panel of 10 insurers including Axa, Zurich & Covea

    • Provider/Product name Landlord Insurance

      Discount Landlord

      Landlord Insurance

    • Description

      Discount Landlord are a landlord insurance broker offering quotes from a large number of UK insurers. Accidental damage and property owners liability cover are included as standard and multi-property discounts are also available. Apply online for a quote today.

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    Sponsored Listing

    A panel of 9 insurers including Zurich, LV and Brit

    • Provider/Product name Landlord Insurance

      More Th>n

      Landlord Insurance

    • Description

      More Th>n landlord insurance provides comprehensive cover, whether you're a buy-to-let or full time landlord. Standard cover encompasses a number of different features including up to £2 million public liability cover and an interest free instalments option. Get 5 star Defaqto rated cover and apply online for a quote today.

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    • Provider/Product name Landlord Insurance

      AXA Business Insurance

      Landlord Insurance

    • Description

      AXA landlord insurance provides extensive cover to protect your property, with up to £10 million property owners’ liability cover and protection for up to 10 properties. Get covered from just £110 a year* – and save an extra 10% when you buy online. *10% paid this or less (04/16 – 06/16) typically for one property.

       

      For a limited time, save 25% when you enter the promo code AXA25LL. Valid until 31/12/16. Terms and conditions apply.

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    • Provider/Product name Landlord Insurance

      Saga

      Landlord Insurance

    • Description

      Saga Landlord Insurance provides Defaqto 5 star rated cover designed exclusively for the over 50s. Legal expenses, accidental damage and alternative accommodation cover for tenants are all included as standard. Apply online for a quote today.

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    • Provider/Product name Landlord Insurance

      CIA AXA Landlord

      Landlord Insurance

    • Description

      CIA AXA Landlord Insurance is a product exclusive to CIA & underwritten by AXA. The insurance is tailored to meet individual requirements and includes £5m of property owners liability cover as well as alternative accommodation cover as standard. Apply online for a quote today.

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    • Provider/Product name Landlord Insurance

      Legal & General

      Landlord Insurance

    • Description

      Legal & General’s landlords' standard buildings policy covers rebuild costs up to £800,000, loss of rent or alternative accommodation if your property becomes uninhabitable after an insured event, up to £40,000, and a 24 hour legal helpline. It also includes a 24 hour home emergency helpline to cover for up to £500 emergency repairs. Limitations and exclusions apply.

       

      MONEYSUPERMARKET EXCLUSIVE: Receive a free £75 M&S Gift Card when you get a new landlords’ insurance quote by 31st December 2016 and buy within 30 days of the quote date. Terms and conditions apply.

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    • Provider/Product name Landlord Insurance

      Churchill

      Landlord Insurance

    • Description

      Churchill offer Landlord insurance, giving discounted premiums for multiple properties (minimum premiums apply). Benefit from up to £10m of buildings cover and costs to re-house tenants in the event of damage to your property included as standard. All customers also enjoy access to free business helplines. Apply online for a quote today.

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    • Provider/Product name Landlord Insurance

      Endsleigh Insurance

      Landlord Insurance

    • Description

      Endsleigh have 25 years worth of expertise in the rental market and their policy has been designed specifically for people who let a property out. Benefit from £25,000 worth of cover for malicious damage by tenants or guests and the ability to manage your policy online. Apply online for a quote today.

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    • Provider/Product name Landlord Insurance

      Intasure

      Landlord Insurance

    • Description

      Landlord insurance from Intasure is designed to provide you with a wide range of standard cover in connection with owning and letting a property. Benefit from inclusions such as loss of rent and alternative accommodation expenses along with accidental damage cover. Apply online for a quote today.

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    • Provider/Product name Landlord Insurance

      City Landlord Zurich

      Landlord Insurance

    • Description

      Zurich Landlord Insurance offered through City Landlord is a comprehensive landlord product offering loss of rent as standard as well as accidental damage to buildings. You can also benefit from up to £5,000,000 of property owners liability cover. Apply online for a quote today.

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Accidental Landlord Insurance

You didn’t plan it, but you’ve ended up with a property you now need to let out. You’ve become one of the UK’s thousands of ‘accidental landlords’.

What is an accidental landlord?

An accidental landlord is someone who has a property to let out because of a change in their circumstances, rather than some grand plan to buy a house/flat and let it out. 

For example, it could be that you’ve inherited a property from a family member or you’ve separated from a partner and now have a house you’ve decided you need to let out rather than sell.

New responsibilities

As a result, not only do you have a responsibility for a property, you’ve also got new responsibilities as a landlord – one of which includes making sure you’re properly insured. 

This is where landlord insurance comes in.

Read on as we explain the various features of landlord insurance and how they can help make your life easier.

Insuring your property

The owner of a property is responsible for buildings insurance, even if they don’t live in it. 

As a landlord you’ll need specialist insurance, including buildings insurance, to cover the structure of the building and any permanent fixtures, such as bathroom and kitchen suites.

Buildings insurance also covers you against things like fire, flooding, subsidence, storm damage and so forth. 

The amount you insure the property for needs to be the cost of rebuilding the property if it were completely razed to the ground. 

This amount is not the same as the market value of the property because house prices may be higher or lower than the actual value of the bricks and mortar, depending on where it is.

Our home insurance comparison service will give you an estimated rebuild cost using data from the Building Cost Information Service (BCIS). 

What does landlord insurance cover?

It’s up to your tenants to insure their valuables with their own content insurance policy, but most landlord insurance policies cover contents up to a stated limit.

Landlord insurance policies also tend to include public liability insurance, which covers you against injury to your tenants or damage to their belongings as a result of living in your property.

Accidental damage cover is also something to look out for in a landlord insurance policy. Accidents happen to all of us, but a tenant may be less careful with your property than you might be.

Be aware that accidental damage cover in a landlord insurance policy may only protect you against damage to underground cables, pipes, drains and fixed glass or things like toilets and sinks – so if you’d like greater peace of mind it might be worth speak directly with an insurer about extending your cover.

Boiler cover could save you a few headaches if you get a surprise call from your tenants asking you to fix the broken heating. We have a list of companies who can help with boiler cover here

Important Information

Please read the following information about our service and print copies for your own records.

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