Residential
For buy-to-let properties rented to individuals or families, such as houses or self-contained flats.
How good is ARO landlord insurance?
Defaqto rating (landlord insurance)
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Defaqto is an leading independent reviewer of financial products. Four stars is for 'an excellent product with a comprehensive range of features and benefits'.
Aro offers property owners insurance for residential and commercial landlords, as well as specialised cover for unoccupied properties, blocks of flats, and complexes and portfolios. Its property owners insurance policies are rated highly, with a four star rating on Defaqto for its residential landlord insurance - test
Key benefits
Aroâs property owners insurance offers several key benefits
â Acceptance for student and DSS tenants, HMOs, listed buildings and up to 50% flat roofs without referral.
â Its policies provide ÂŁ2 million in buildings cover, ÂŁ50,000 for contents cover, 30% of the sum insured for loss of rent for 24 months
â Property ownersâ liability cover starting at ÂŁ2 million
What types of property can I insure with ARO?
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Commercial
For properties used as business premises, for example shops, offices, cafes or warehouses.
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House in Multiple Occupation (HMO)
For properties you rent out to three or more unrelated people, such as student houses or house shares.
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Multi-Property
If you own more than one buy-to-let property, such as a portfolio of houses and flats.
How much does landlord insurance cost?
Landlord insurance costs vary depending on the level of cover. Covering just the structure of your rental property costs ÂŁ250.23
Annual Price | Cheapest | Average |
|---|---|---|
Buildings Insurance + Properties Owners' Liability | ÂŁ174.57^ | ÂŁ250.23^ |
Buildings Insurance + Properties Owners' Liability + Contents Insurance | ÂŁ199.28^ | ÂŁ285.47^ |
Whatâs the cheapest price I could pay for landlord insurance?
ÂŁ14
.55^ per month
According our data, 10% of our customers paid this amount or less a month for their building cover and property owner's liability landlord insurance.
Example quote for ARO landlord insurance
Methodology
Example annual quote based on residential landlord who performs background checks and rents a semi-detached house in Surrey to tenants who are employed and part of a single family unit.
How do I contact ARO?
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By Phone
You can get in touch with ARO via phone on 01732 783 575 for non-claim related inquiries
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By Mail
You can also write to Aro directly at: 3, The Old Yard, Rectory Lane, Brasted, Westerham, TN161JP
How do I make a claim with ARO?
When you take out ARO landlord insurance through MoneySuperMarket your insurance is provided by ARO, but managed by the insurance broker Simply Business. They will handle your insurance claim.
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Contact Simply Business
You can do this online or you can call them on 0333 207 0560. Lines are open 24/7.
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Provide evidence
This could include a crime reference number, photos of damage, and repair quotes.
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Claim is accepted or rejected
If your claim is successful (most are), you will generally receive a payout within 24 hours.
Who underwrites Aro insurance?
Aroâs landlord insurance policies are underwritten by Allied World, Ergo and AXIS Managing Agency Limited, depending on whether itâs a commercial or residential policy.
Can I cancel my Aro insurance and switch to another insurer?
Yes, you can cancel your Aro insurance policy, but depending on whether your cover has started or not you may be required to pay a certain portion of your premiums. If youâve made a claim you wonât be entitled to a refund.
Is it worth having landlord insurance?
Yes, landlord insurance can be a vital component for your property management, as it provides an invaluable safety net for things like repairs and building works if any damage occurs.
Why compare landlord insurance quotes with MoneySuperMarket?
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Quotes from 15^ UK insurers
All our insurance providers are authorised and regulated by the Financial Conduct Authority (FCA).
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Rated 4.9/5 on Feefo
We're also the UK's most recommended price comparison website
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Quick and easy
Give us a few details and we'll show you multiple quotes in minutes, saving you time and effort.
What do I need to get a landlord insurance quote?
Property details
Such as the address, date of purchase, when it was built, and if it's commercial or residential
Basic tenant information
Their employment status and which background checks you perform.
Level of cover you need
You can choose whether to cover the building only or building and contents.
Additional policy add-ons
If you want any optional extras with your insurance, such as legal expenses, accidental damage, landlord emergency cover or excess protection.
Current insurance policy documents
Basic details of your existing policy, including any previous claims history.
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You can read more in our editorial guidelines.
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Our comparison service is, and will always be, free to use.
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One of the best ways to get the lowest prices and best deals is to compare quotes from different companies. We do the work for you, comparing quotes side-by-side and giving you all the information you need so you can choose the right deal for your needs and your wallet.
We donât give recommendations or financial advice, but we give you clear information so you can choose financial products that suit your circumstances.
Does MoneySuperMarket work with all the providers on the market?
No, not every company can be included in our service. This is because some companies donât want their products included on comparison sites, and some decide that they would rather not pay a fee. There are also a few smaller providers who can struggle to cope with the volume of customers that can find their products if they appear on MoneySuperMarket.
Our goal is to search deals from as wide a range of companies as possible so that you can choose the deal that suits you.
Is landlord insurance eligible for SuperSaveClub and rewards?
No, at this time landlord insurance is not an eligible product for unlocking our SuperSaveClub rewards. It is also not included in our Price Promise.
Reviewed on 9 Feb 2026 by
According to Simply Business data, 51% of customers paid ÂŁ250.23 or less annually for a Landlords Buildings & Properties Owners' Liability insurance policy. Figure based on annual quotes purchased between 1st Oct - 31st Dec 2025. The price is for up to ÂŁ5 million of Properties Owners' Liability insurance and excludes the extra costs for paying monthly
According to Simply Business data, 51% of customers paid ÂŁ285.47 or less annually for a Landlords buildings & properties owners' liability & contents insurance policy. Figure based on annual quotes purchased between 1st Oct - 31st Dec 2025. The price is for up to ÂŁ5 million of Properties Owners' Liability insurance and excludes the extra costs for paying monthly
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from âWhich of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?â Base: Current Customers of (MoneySuperMarket n=18,382, Compare the Market n=16,802, Go.Compare n=10,162, Confused.com n=8,229, Uswitch n=528).
According to Simply Business data, 10% of customers paid ÂŁ179.34 or less annually for a Landlords Buildings & Properties Owners' Liability insurance policy. Figure based on annual quotes purchased between 1st Oct - 31st Dec 2025. The price is for up to ÂŁ5 million of Properties Owners' Liability insurance and excludes the extra costs for paying monthly
According to Simply Business data, 10% of customers paid ÂŁ199.28 or less annually for a Landlords buildings & properties owners' liability & contents insurance policy. Figure based on annual quotes purchased between 1st Oct - 31st Dec 2025. The price is for up to ÂŁ5 million of Properties Owners' Liability insurance and excludes the extra costs for paying monthly
accurate as of Sept 2025
According to Simply Business data, 10% of customers paid ÂŁ14.55 or less monthly for a Landlords Buildings & Properties Owners' Liability insurance policy. Figure based on annual quotes purchased between 1st Oct - 31st Dec 2025. The price is for up to ÂŁ5 million of Properties Owners' Liability insurance and excludes the extra costs for paying monthly
Defaqto is a leading independent reviewer of financial products. Four stars is for âa product with a good level of features and benefitsâ. Individual insurance products from Zurich will have different ratings. Data from the Defaqto website. Data from November 2025.
