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Landlord Insurance

Compare landlord insurance with our specialist partner Simply Business

  • Compare cover from eleven insurers
  • Comparing landlord policies is free, fast and simple!
  • Apply and buy online in minutes

Get a landlord insurance quote

Whatever level of landlord cover you’re looking for, you can find a quote tailored to you.

It doesn’t take long

Pop in details like your address, property type, and any extra policies you want and you’ll get a landlord insurance quote

We’ll show you our preferred policies

You’ll be able to see and compare the policies on offer from our preferred provider

You’ll get covered

Once you’ve chosen your policy and received a quote, you can call or apply directly online to get covered

What is landlord insurance?

Landlord insurance provides cover for your property - both the building itself and any furnishings you’ve provided. It also protects your rental income and covers your liabilities if your tenants are injured on your property and you are deemed to be at fault.

You can boost your cover with add-ons protecting you from lost rent if tenants are forced to move out, as well as accidental damage and periods when your property is empty.

Our landlord insurance providers

Find cheap landlord insurance quotes available through major insurers including:

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Do I need landlord insurance?

Landlord insurance isn’t a legal requirement, but it is strongly recommended for anyone who lets a property out. There’s a lot that can go wrong with rental properties – both accidental and deliberate – which won’t be covered by standard home insurance.

In fact, you may even find that a standard home insurance policy is invalidated if your property is let to tenants and you need to make a claim.

Additionally, if you’re taking out a buy-to-let mortgage your lender might require you to have landlord insurance in order to qualify for the loan.

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What does landlord insurance cover?

A standard landlord insurance policy can cover a number of situations, including the following if selected:

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Buildings insurance

Damage to the building caused by fire, lightning, explosion, falling aircraft, earthquake or riots

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Contents insurance

Damage to, or loss of, your possessions including white goods, carpets, fixtures and fittings

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Property owners' liability

Protects you if you are deemed liable for damage or injury suffered by third parties at the property

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Alternative accommodation

Covers your costs if tenants are forced to move out for a time due to damage to the property

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Accidental damage

Protects your buildings and belongings if your tenants damage your property unintentionally

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Malicious damage

Covers the costs of repair if your tenants intentionally damage your property

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Employer’s liability

Protects you if you employ people in your property who then become injured due to your negligence

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Unoccupied property cover

Protects the property while it's unoccupied, e.g. you're waiting for new tenants to move in

Reducing the cost of landlord insurance

The cost of landlord insurance depends on a number of factors, some of which won’t be under your control – such as your tenants' employment status or the location of your property. However, thinking about the following can help you find cheaper landlord insurance quotes:

mortgages

Property condition

A property in good repair is less likely to need a claim, and could mean lower premiums 

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Security measures

Increased security measures also reduce the chance you’d have to claim

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Level of cover

Taking out additional levels of cover will increase the overall price of the policy

claim history

Your claims history

If you have made a high number of claims over the years, you’re likely to pay more

You might need contents insurance as a landlord if you’re supplying furniture, fixtures and fittings for your tenants. For example, a landlord contents policy can help with freestanding sofas and beds, floor coverings and electrical appliances. You can generally expect the following to be covered either as standard or with an add-on:

  • Furniture such as sofas and cabinets
  • Kitchen appliances like ovens or sinks
  • Curtains
  • Carpets
  • Paintings and pictures
  • Light fixtures
  • Outbuildings such as sheds or outhouses
  • Gardens and any contents in the garden
  • Communal areas, if you’re letting your property out to multiple tenants

You might also be able to claim for alternative accommodation for your tenants if any damage to your contents renders the property uninhabitable.

As a landlord there’s always a risk that a tenant might refuse or not be able to pay rent. While this can cause problems, there are things you can do to protect your rental income – you can see what your options are with our guide to rent guarantee insurance.

Rental guarantee insurance usually covers six or 12-month periods, though an excess of one month’s rent is not uncommon.

When you signed up to your landlord insurance policy, you should have received a booklet that outlines the detail of your policy, which usually comes with a claims form. You can claim by filling it out and mailing it to your insurer, though they may also be able to handle your claim online or over the phone.

Most insurers offer the option of adding multiple properties to your policy, and you may even be able to get a discount on your premiums as a result. However you may find that you need separate policies for each property, so it’s always better to compare your options before committing to a provider to ensure you’re getting the best deal.

Boiler cover is usually included as part of buildings insurance, which you take out (if you want it) as the landlord and property owner. However boiler cover does also come as a separate policy, so you’ll be able to take it out yourself. Your tenant may even want to take out their own cover, so it’s worth talking to them about it if you think it might be an issue.

MoneySuperMarket doesn’t currently offer boiler cover as an option.

Landlord insurance is not a legal requirement, but you’re putting yourself at considerable risk by not buying it if you rent out properties.

You can’t use standard home insurance for a rental property – and any claims you make for a rental property on regular insurance will be denied.

Finding the best landlord insurance quote is easier when you compare all of your options on MoneySuperMarket with our preferred partner Simply Business. All you need to do is tell us a little about yourself, your property and your tenants, and we’ll show you a list of quotes tailored to your needs.

You’ll be able to compare quotes by their yearly and monthly cost, as well as the level of coverage you’ll get. Once you’ve found the deal you want, just click through to the provider to finalise your purchase.

However you should remember that the cheapest policy isn’t always the best: you should aim for a balance between price and cover to ensure you aren’t over- or under-insured.

Finding the right policy for your properties and your own individual needs is crucial. Take a look at our landlord insurance guide to make sure your policy covers all the bases.

When you’ve decided on the level of cover you need, find the best landlord policy for your requirements via our preferred provider. MoneySuperMarket has teamed up with Simply Business, who offers an external landlord insurance comparison service. Simply Business is Authorised and Regulated by the Financial Conduct Authority (FCA reference 313348)

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