Landlord Insurance

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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 can also protect your rental income and cover your liabilities if your tenants are injured on your property and you are deemed to be at fault.

Do I need landlord insurance?

Landlord insurance is a specialist policy that provides more cover than normal home insurance. Indeed, standard home insurance might be invalidated if your property is let to tenants.

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.

What does landlord insurance cover?

In addition to cover for general risks such as fire and storm damage to the building, the best landlord insurance policies offer cover for:

  • Accidental damage – if your tenants damage your property unintentionally
  • Malicious damage – if your tenants intentionally damage your property
  • Employer’s liability – if you employ people in your property who then become injured as a result of your negligence
  • Property owner’s liability – if you are deemed liable for damage or injury suffered by third parties arising from your ownership of the property
  • Unoccupied property cover – if you have no tenants for a period of time and therefore aren’t getting rental income
  • Loss of rent – if your tenants are unable to pay their rent

You can learn more about the different levels of coverage a landlord policy can provide with our guide to landlord insurance.

How many landlords request accidental damage cover as part of their landlord insurance policy?

*According to data collected by CIA Landlord Insurance,
between May - July, 2018.

The average cost of landlord insurance if you’ve claimed before

*According to data collected by CIA Landlord Insurance,
between May - July, 2018.

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. For example, your tenant’s employment status and the location of your property can affect how much you’ll pay.

Other factors that affect the cost of landlord insurance include:

  • Property condition – if your property is in good repair this may reduce your likelihood of claiming, and therefore could mean you pay lower premiums.
  • Security measures – increased security measures also reduce the chance you’d have to claim.
  • Level of cover – taking out additional levels of cover will increase the price of the policy.
  • Your claims history – if you make a high number of claims over the years, you’re likely to pay more.

How can I find the best landlord insurance quote for me?

Finding the best landlord insurance quote is easier when you compare all of your options on MoneySuperMarket with our preferred partner CIA Insurance. 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.

What if my tenant can’t or won’t pay rent?

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.

Last year 99.5% of landlords who took out cover requested a rent guarantee policy, according to data collected by CIA Landlord Insurance between May and July 2018.

What can I do about a nuisance tenant?

Sometimes tenants can cause problems, whether it’s not paying rent on time or not respecting your property. However, as a landlord there are steps you can take to resolve these issues, and eviction isn’t the only option.

Landlord insurance can help in situations like this as it provides cover for lost rent as well as repair costs and legal fees. Learn more about what you can do with our guide to nuisance tenants.

How do I make a claim on my landlord insurance policy?

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.

Can I get landlord insurance for multiple properties?

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 it’s always better to compare your options before committing to a provider to ensure you’re getting the best deal.

Do I need contents insurance as a landlord?

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

Do I need to take out boiler cover as a landlord?

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.

Explore

Guide to landlord insurance

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, you can find the best landlord policy for you via our preferred provider, CIA landlord insurance.

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