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Zurich landlord insurance

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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'.

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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 ÂŁ5 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?

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?

Landlord insurance costs vary depending on the level of cover. Covering just the structure of your rental property costs ÂŁ250.23^ on average, less than the ÂŁ285.47^ average cost of covering furniture too. Landlord insurance is generally more expensive than standard home insurance, because it includes tailored protection like property owners' liability cover.

Annual Price

Cheapest

Average

Buildings Insurance + Properties Owners' Liability

ÂŁ174.57^

ÂŁ250.23^

Buildings Insurance + Properties Owners' Liability + Contents Insurance

ÂŁ199.28^

ÂŁ285.47^
What’s 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.

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.

  • 1

    Contact Simply Business

    You can do this online or you can call them on 0333 207 0560. Lines are open 24/7.

  • 2

    Provide evidence

    This could include a crime reference number, photos of damage, and repair quotes.

  • 3

    Claim is accepted or rejected

    If your claim is successful (most are), you will generally receive a payout within 24 hours.

đŸš© If you believe your insurance claim was unfairly rejected, you can appeal to the Financial Ombudsman Service.

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?

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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.

Man at desk looking at paperwork

What other insurance does Zurich sell?

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.

img-feefo-platinum-trusted-service-award-2026

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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

Page reviewer's profile picture

Lucas Mansilla

Senior Commercial Manager

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, 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

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

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.

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

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