Rental Protection

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.

    • Go to site

    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.

    • Go to site

    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.

    • Go to site

    Sponsored Listing

    A panel of 9 insurers including Zurich, LV and Brit

    • 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.

       

    • Go to site

    • 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.

    • Go to site

    • 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 SPECIAL OFFER: 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.

    • Go to site

    • 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.

    • Go to site

    • 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.

    • Go to site

    • 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.

    • Go to site

    • 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.

    • Go to site

This policy generally meets the needs of someone wishing to insure a property which is let out

Rental Protection

If you are a landlord, you run the risk that at some point your tenants will not pay their rent. It can happen to even the most scrupulous landlord, even one who employs a letting agent and is rigorous about checks and references. The economic climate doesn't help the potential for rent default. Money is tight and employment is uncertain, so your tenant could easily fall on hard times. No wonder a third of landlords have experienced a problem with rent collection. Of course, landlords are also struggling to make ends meet so a tenant who defaults can cause all sorts of problems. Would you be able to cover your outgoings if your tenants fell behind on their rent? And would you be able to fund any legal costs to try to recover the arrears?

Protect your rental income

Rent guarantee insurance, sometimes known as rent protection insurance, can offer a financial lifeline to many landlords. The policy covers the rent if your tenant defaults, though there are limits to most policies, so it is essential to read the small print. You can usually buy cover for six or 12 months, depending on the length of your tenancy agreement - and the full cost is tax deductible against your rental income. The cover will usually pay up to a certain amount per claim. For example, you might be able to claim for up to £2500 a month up to a maximum of £15,000, or until the tenant is evicted. You can usually put in a claim when the tenant is one month in arrears. However, you cannot normally make a claim within 90 days of setting up a policy. In other words, if you want to take out rent guarantee insurance, it's better to act sooner rather than later.

How much is the excess?

It is important to check the excess, which is the amount you have to pay towards each claim. An excess of one month's rent is not uncommon. You should also make sure your policy covers the particular tenants you have at the moment, as some policies exclude asylum seekers.

Tenant references

Most rent guarantee insurance policies insist the tenants have either appropriate references or a guarantor. Appropriate references might include written references from a previous managing agent or landlord, an employer and a credit check. It's important to make sure you comply with any and all reference demands otherwise the insurer could refuse to pay out and the policy would be a waste of money. Your insurer might also insist on a particular type of tenancy agreement, as well as protection of the tenant's deposit under one of the government's approved tenancy deposit schemes.

Legal disputes

If you get involved in a legal dispute with your tenant, perhaps over eviction, rent collection, or damage to the property, it can prove costly and time consuming. Legal expenses insurance can therefore prove a welcome addition to your insurance armoury as it will help to fund your legal costs. You may find your rent guarantee insurance already includes legal expenses cover, though you can also buy it as a separate policy if required. There is usually a limit to the amount that you can claim under legal expenses cover, so check the details with your insurer. You might also find that you can only employ a solicitor from the insurer's chosen panel of firms.

Other types of cover

Landlords should consider other types of insurance to safeguard their property investment. Buildings insurance is a must as it covers the structure of the property in case of fire, storm, flood and subsidence. It is also the landlord's responsibility to insure the building. A buildings policy might include limited contents cover, though the tenants should make their own insurance arrangements for their personal possessions. Many landlords these days also take out cover in case of accidental damage, plus a policy to insure a vacant property during void periods.

Compare premiums

The cost of rent guarantee insurance depends to a large extent on the type of property, type of tenants and the rental income. However, one of the best ways to keep the cost down is to compare quotes from a range of different insurers. And MoneySupermarket can help. Our online comparison service is free and independent, making it easier for landlords to find the right policy at the right price.

Guide to landlord insurance

Finding a cheap landlord insurance policy is one thing, however finding the right policy for your properties and your own individual needs can be a little more difficult. Take a look at our landlord insurance guide to make sure your policy covers all the bases.

Important Information

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

  About our service

Close

Cookie use

We use cookies to give you the best experience. By using our website you agree to our use of cookies in accordance with our 

Cookie Policy .

Read more

Cookies are harmless files which can help improve the experience. Cookies allow websites to respond to you as an individual. The website can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

Read less

Close