Residential
For buy-to-let properties that you rent out.
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
Aro’s property owners insurance offers several key benefits
✔ Acceptance for student and DSS tenants, HMOs, listed buildings and up to 50% flat roofs without referral.
✔ Its policies provide £2 million in buildings cover, £50,000 for contents cover, 30% of the sum insured for loss of rent for 24 months
✔ Property owners’ liability cover starting at £2 million
For buy-to-let properties that you rent out.
For properties used as business premises.
For properties you rent out to three or more unrelated people.
If you own multiple buy-to-let properties.
Annual Price | Cheapest | Average |
|---|---|---|
Buildings Insurance + Properties Owners' Liability | £157.32* | £237.53* |
Buildings Insurance + Properties Owners' Liability + Contents Insurance | £190.87* | £288.43* |
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.
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.
You can get in touch with ARO via phone on 01732 783 575 for non-claim related inquiries
You can also write to Aro directly at: 3, The Old Yard, Rectory Lane, Brasted, Westerham, TN161JP
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.
You can do this online or you can call them on 0333 207 0560. Lines are open 24/7.
This could include a crime reference number, photos of damage, and repair quotes.
If your claim is successful (most are), you will generally receive a payout within 24 hours.
Aro’s landlord insurance policies are underwritten by Allied World, Ergo and AXIS Managing Agency Limited, depending on whether it’s a commercial or residential policy.
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 you’ve made a claim you won’t be entitled to a refund.
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.
All our insurance providers are authorised and regulated by the Financial Conduct Authority (FCA).
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Such as the address, date of purchase, when it was built, and if it's commercial or residential.
Their employment status and which background checks you perform.
You can choose different amounts depending on your circumstances and risk-tolerance.
If you want any optional extras with your insurance, such as contents cover.
Basic details of your existing policy, including any previous claims history.
MoneySuperMarket has won the Feefo Platinum Trusted Service Award, an independent seal of excellence, which recognises businesses that consistently deliver a world-class customer experience.
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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.
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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.
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.
Defaqto is an leading independent reviewer of financial products. Three stars is for 'A standard product providing an average level of features and benefits'.
Individual insurance products from Zurich will have different ratings.
Data from the Defaqto website. Data from March 2025.
According to Simply Business data, 10% of customers paid £157.32 or less annually for a Landlords Buildings & Properties Owners' Liability insurance policy. Figure based on annual quotes purchased between 1st Apr - 30th Jun 2025. The price is for up to £5 million of Properties Owners' Liability insurance and excludes the extra costs for paying monthly
According to Simply Business data, 51% of customers paid £237.53 or less annually for a Landlords Buildings & Properties Owners' Liability insurance policy. Figure based on annual quotes purchased between 1st Apr - 30th Jun 2025. The price is for up to £5 million of Properties Owners' Liability insurance and excludes the extra costs for paying monthly
According to Simply Business data, 10% of customers paid £190.87 or less annually for a Landlords buildings & properties owners' liability & contents insurance policy. Figure based on annual quotes purchased between 1st Apr - 30th Jun 2025. The price is for up to £5 million of Properties Owners' Liability insurance and excludes the extra costs for paying monthly
According to Simply Business data, 51% of customers paid £288.43 or less annually for a Landlords buildings & properties owners' liability & contents insurance policy. Figure based on annual quotes purchased between 1st Apr - 30th Jun 2025. The price is for up to £5 million of Properties Owners' Liability insurance and excludes the extra costs for paying monthly
According to Simply Business data, 10% of customers paid £13.11 or less monthly for a Landlords Buildings & Properties Owners' Liability insurance policy. Figure based on annual quotes purchased between 1st Apr - 30th Jun 2025. The price is for up to £5 million of Properties Owners' Liability insurance and excludes the extra costs for paying monthly
YouGov Survey 1st October 2023 to 30th September 2024. Net recommended score derived from “Which of the following online service website would you recommend to a friend or colleague, or tell them to avoid?” Base: Current Customers of (MoneySuperMarket n=19272, CompareTheMarket n=17631, Go.Compare n=10457, Confused.com n= 8421, Uswitch n=681)