Commercial
For properties used as business premises.
Zurich landlord insurance
Get a Zurich landlord insurance quote
How good is Zurich 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'.
What does Zurich cover?
Zurich offers landlord insurance for property owners with up to 10 UK commercial and/or residential properties, and each property is insured up to £5 million for total material damage and loss of rent.
Key benefits:
✔ Average free so you’re more likely to receive a full pay out for rebuilding costs
✔ Data protection cover up to £1 million
✔ Landlords’ contents cover up to £50,000
✔ Cover for employers’ liability and legal expenses
What types of property can I insure with Zurich?
-
-
Residential
For buy-to-let properties that you rent out.
What extras can I add to my Zurich landlord insurance policy?
-
Contents
If you’re providing a furnished property you can get cover for up to £50,000.
-
Employers’ liability
For maintenance staff and caretakers.
-
Legal expenses
If you have a dispute with a tenant arising from a break of the tenancy agreement, Zurich will negotiate legal rights to repossess the premises or to recover any money due
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 Zurich?
-
By Phone
You can contact Zurich’s customer support team on 0800 096 6233 - they’re available from Monday to Friday, 9am to 5pm (excluding bank holidays).
-
Online Portal
Manage your account with your Zurich log in or find contact details for your policy/plan.
-
Contact form
Fill out the contact form with as much detail as possible.
How do I make a claim with Zurich?
When you take out Zurich landlord insurance through MoneySuperMarket your insurance is provided by Zurich, 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 cancel my Zurich insurance and switch to another insurer?
Yes, you can cancel your Zurich landlord insurance policy and switch. If you cancel within 14 days of receiving the policy or renewal notice or later you’ll be required to pay for how long you were covered. However, there’s a minimum charge of £50 plus insurance premium tax, so you won’t be refunded anything below this threshold.
What are the key exclusions with Zurich landlord insurance?
Tenants' personal belongings
Wear and tear
Damage by pets
Deliberate damage by tenants
Water damage caused over time (e.g. dripping pipe)
Items' value above the single-item limit
You should check your policy document for the full list of exclusions, particularly if you have opted for add-ons to your insurance such as legal expenses.
Who underwrites Zurich insurance?
Zurich underwrites its own landlord insurance policies, but some aspects are underwritten by third parties. Its legal expenses cover is underwritten by DAS Legal Expenses Insurance Company Limited.
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.
What other insurance does Zurich sell?
-
Life insurance
-
Income protection
-
Travel insurance
-
Self-build insurance
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.
How does MoneySuperMarket make money?
We get paid by the companies we work with, but the payment we get doesn’t have any bearing on the information we provide. We get paid in different ways, depending on the type of product or service you buy through us. Our goal is to search deals from as wide a range of companies as possible, but we only show results from our partner providers.
Our comparison service is, and will always be, free to use.
Why should I use a price comparison website?
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 don’t 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 don’t 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 16 Jan 2026 by
accurate as of Sept 2025
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.
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
