Landlord Insurance

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

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

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

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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.

What are my responsibilities as a landlord?

As a landlord you have certain legal responsibilities to your tenants. This includes keeping your property up to scratch with maintenance and repairs, following basic safety standards, and ensuring you treat your tenants fairly in terms of rent and privacy. You also have to pay tax if your rental income is above a certain amount – read more about your responsibilities as a landlord.

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

As a landlord there’s always the 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 – see what your options are with our guide to rent guarantee insurance.

99.5% of landlords requested rent guarantee insurance

*According to data collected by CIA Landlord Insurance, between May - 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 evicting isn’t always the only option. Landlord insurance can help in situations like this as it could provide 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 choose a letting agent?

You might want to manage your property yourself, but if not you have the option of choosing a letting agent, who can do a number of things for you including finding tenants and maintaining your property. There are things to consider before picking the agent you want to use – find out more in our letting agent guide.

Can I make a career out of being a landlord?

If you let more than one property you might consider yourself a professional landlord, as in you’ve made a career out of buying and letting properties. As a result you might feel like your investments need extra protection, which is where insurance can come in – learn more about how professional landlord cover can protect you.

What tax relief do I get as a landlord?

As a landlord, before 2017 you could make more of a profit from your investment by using your rental income to offset your mortgage interest payments. However, the rules have now changed – see how you could be affected with our page on buy-to-let tax relief.

How do I pick the right buy-to-let property?

Finding the right property in the right location is key to making a profit from your property investment. This can be hugely important especially if the bulk of your income comes from rent, or if a significant amount of your money went into the investment, so there are plenty of things you should consider when choosing a buy-to-let property.

Do I pay stamp duty as a landlord?

As a landlord you’re required to pay stamp duty on properties you buy, but since 2016 the rules changed – now both landlords and second home purchasers must pay an extra three percentage points of stamp duty on each band of property pricing – learn more about the changes in buy-to-let stamp duty.

What are the new landlord regulations?

In July 2018 plans for new landlord legislation were published which will change the way you can offer tenancies as well as impacting the fees you can charge your tenants. There are also new regulations for energy efficiency, tax benefits, and deposit caps – read about the new landlord legislation.

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

Finding the best possible 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 the 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.


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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