Commercial
For properties used as business premises.
Modus landlord insurance
Get a Modus landlord insurance quote
How good is Modus landlord insurance?
Defaqto rating (landlord insurance)
⭐⭐⭐⭐ ^
Defaqto is an leading independent reviewer of financial products. Four stars is for 'an excellent product with a comprehensive range of features and benefits'.
Key benefits:
Some of the key benefits of taking out landlord cover with Modus include:
✔ Fast automated quoting
✔ Flexible and broad coverage
✔ A-Rated underwriter support
What does Modus cover?
Modus is a digital insurance provider and its landlord insurance is only available via authorised intermediaries and insurance brokers, such as Simply Business.
What types of property can I insure with Modus?
-
-
Residential
For buy-to-let properties that you rent out.
-
Unoccupied properties
Tailored for empty homes or probate properties (up to 28 days unoccupied) with adjusted terms.
What extras can I add to my Modus landlord insurance policy?
-
Terrorism cover
Including non-damage business interruption.
-
Legal expenses cover
Including tenant eviction costs.
How much does landlord insurance cost?
Annual Price | Cheapest | Average |
|---|---|---|
Buildings Insurance + Properties Owners' Liability | £179.34^ | £251.24^ |
Buildings Insurance + Properties Owners' Liability + Contents Insurance | £201.81^ | £291.93^ |
What’s the cheapest price I could pay for landlord insurance?
£14
.95^ 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.
How do I contact Modus?
The following contact details are for general enquiries & broker setup
-
By phone
Phone: 0203 301 8366
-
By Email
-
By Mail
Address (registered office): Bourne House, 475 Godstone Rd, Whyteleafe, CR3 0BL
How do I make a claim with Modus?
When you take out Modus landlord insurance through MoneySuperMarket your insurance is provided by Modus, but managed by the insurance broker Simply Business. They will handle your insurance claim.
-
Contact Simply Business
You can do this online or you can call them on 0333 207 0560. Lines are open 24/7.
-
Provide evidence
This could include a crime reference number, photos of damage, and repair quotes.
-
Claim is accepted or rejected
If your claim is successful (most are), you will generally receive a payout within 24 hours.
Frequently Asked Questions
Is it worth having landlord insurance?
Yes, landlord insurance can offer crucial financial assistance if something should happen to your property. Although it isn’t a legal requirement, it gives you peace of mind that you’ll be protected, and it is usually a condition of a buy-to-let mortgage.
Can I deal with Modus directly?
No, Modus only writes landlord insurance policies via FCA‑authorised brokers or intermediaries, not directly with landlords.
What information is needed to make a claim?
Typically you will need:
Your policy number
Property address
Description and date of incident
A crime reference (if applicable
Who underwrites Modus landlord insurance?
Modus is a managing general agent (MGA) so it has the authority to underwrite landlord insurance on behalf of the insurance company.
Why compare landlord insurance quotes with MoneySuperMarket?
-
Quotes from 15^ UK insurers
All our insurance providers are authorised and regulated by the Financial Conduct Authority (FCA).
-
Rated 4.9/5 on Feefo
We're also the UK's most recommended price comparison website
^ . -
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.
Trusted Service Awards Winners
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.
Reviewed on 17 Dec 2025 by
YouGov Survey 1st July 2024 to 30th June 2025. Net Recommend score derived from “Which of the following online service websites would you recommend to a friend or colleague, or tell them to avoid?” 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 £179.34 or less annually for a Landlords Buildings & Properties Owners' Liability insurance policy. Figure based on annual quotes purchased between 1st Sep - 30th Nov 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 £251.24 or less annually for a Landlords Buildings & Properties Owners' Liability insurance policy. Figure based on annual quotes purchased between 1st Sep - 30th Nov 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 £201.81 or less annually for a Landlords buildings & properties owners' liability & contents insurance policy. Figure based on annual quotes purchased between 1st Sep - 30th Nov 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 £291.93 or less annually for a Landlords buildings & properties owners' liability & contents insurance policy. Figure based on annual quotes purchased between 1st Sep - 30th Nov 2025. The price is for up to £5 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 £14.95 or less monthly for a Landlords Buildings & Properties Owners' Liability insurance policy. Figure based on annual quotes purchased between 1st Sep - 30th Nov 2025. The price is for up to £5 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 ‘a product with a good level of features and benefits’. Individual insurance products from Zurich will have different ratings. Data from the Defaqto website. Data from November 2025.