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Landlord insurance

Renting out your property can be risky business; insure yours today!

  • You could get protection for rent loss, legal action and home emergencies
  • Get the right level of cover so your investment isn't hit by unexpected costs
  • Not a landlord? You might be better off with a standard home insurance policy

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What is landlord insurance?

  • It provides buildings cover to protect the structure, fixtures and fittings of your house
  • It could also include contents insurance to cover any furniture belonging to you
  • Optional cover is available on some policies for events like accidental damage, home emergencies and compensation claims
  • You may be able to insure a number of rental properties under the same policy

Take a look at our guide to landlords insurance for more information.

Why should I get landlords insurance?

    • A standard buildings and contents insurance might not give you enough cover when you're a landlord.
    • Accidents can happen, whether your tenants leave the bathroom taps running or they forget to lock the doors, it's worth considering covering your property for expensive mishaps.
    • Landlord insurance could help to absorb some of the unexpected costs you might incur by renting out your house
    It's not always advisable to pick the cheapest policy option, it's more important to get the right level of cover for you and the risks you face.

    Please remember to always check your policy's small print to see exactly what events you're covered for.

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Why compare landlords policies with

Specialist landlord insurance isn't required by law but many insurers will refuse to pay out on a claim if you don't have it. This is because a standard home policy might not provide enough cover for the risks you face when renting out your house, such as:

  • The cost of repairing damage caused by emergencies like gas leaks, break-ins and burst pipes
  • Rent lost through damage to the property from events like flooding, storm and fire
  • Compensation claims from tenants hurt or injured by an accident your property has caused
  • Loss of rent if an accident leaves your property unoccupied and you're potentially unable to meet your mortgage repayments

A landlords policy could cover you for these events so you're not hit by any unexpected costs. Landlord Insurance is provided by YOUR Insurance of 2nd Floor, Norfolk House, 187 High Street, Guildford, Surrey, GU1 3AW. YOUR Insurance is a trading name of Towergate Underwriting Group Limited, authorised by the Financial Conduct Authority (No. 313250).