What is an interested party?

This is anyone, or any organisation, that has a financial interest in the property. For example, a mortgage provider. When applying for landlord insurance, you may indeed be asked how many interested parties there are.

Can I insure more than one property with one landlord insurance policy?

Yes, some insurers will offer you the opportunity to insure multiple properties in order to save you time and effort. You will have to check though with specific landlords insurance brokers.

Will my cover continue when a tenant moves out?

To check this you will need to refer to your landlord insurance policy documents. The length of cover will be written into the policy. If you are still unsure then it will be a good idea to contact your insurer directly via telephone, or via email.

Do I need a separate insurance policy for fixtures and fittings?

It is likely that you will need a separate insurance policy as the landlord insurance policy you have may not extend to cover the fixtures and fittings within your property. Even if it does, the replacement fixtures and fittings, should they need to be replaced, may not be on a like for like basis.

Can I make a claim for loss of rent if my property is damaged to the point where it is uninhabitable?

The majority of landlord insurance policies will offer some form of loss of rent as optional cover. Cover will be provided in the event that your property is so badly damaged, by an insured event, that it becomes uninhabitable, or access to the property becomes impossible. In this event the policy will cover the rent that you would normally receive from the property for up to a specific length of time, or up to the total sum insured, or until such time as someone can then begin living in the building again.

What are my legal obligations when applying for landlord insurance?

Once you have found the right policy that suits your needs and wishes, there will be certain legalities that you should be aware of. This will of course vary between different landlord insurance companies.

If my property is let furnised, can I obtain cover for a minimum contents sum insured?

No, unfortunately not. Instead however, you can arrange landlords’ contents insurance for whatever figure is appropriate to you via your landlords insurance policy. In order to add this on to your policy as an extra, you will need to contact your insurance provider.

Does my claims record matter?

Most certainly. For example, if you have made a claim, or claims, in the past after burglaries and you still have not made any changes in order to make your property more secure, then you are a higher risk for an insurer than normal. However, if you have installed a home security system or made your home harder to break into with deadlocks, keylocks etc., then definitely tell your landlord insurance company. You could also ask them what you should do to get a lower premium.

Does landlord insurance include legal expenses?

Some landlord insurance policies include legal cover, which can cover costs like eviction proceedings, tenant disputes, or defending claims. Other policies offer this as an optional add-on, so it’s important to check the exact terms with your broker before buying.

How much is landlord insurance on average?

On average, landlord insurance in the UK starts from £150 per year, though this varies based on property type, cover level, and location. It is typically 20-30% higher than standard homeowners' insurance due to the additional risks associated with renting out property. Comparing quotes with specialist brokers, like those on QuoteSearcher, can help you find a policy that balances cover and cost tailored for your situation.

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Letting property introduces risks that are different from those associated with owner-occupied homes. Damage caused by tenants, periods where the property may be unoccupied, and the potential loss of rental income are all factors insurers typically consider when assessing landlord policies.

QuoteSearcher helps introduce landlords to insurance brokers who specialise in arranging cover for rental properties. By completing a short form on our site, you can be connected with brokers who will discuss how your property is let, and outline insurance options that may be suitable.

This approach removes the need to approach multiple insurers individually and allows you to explore landlord insurance through brokers experienced in the buy-to-let and property rental market.

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What Is Landlord Insurance?

Landlord insurance is designed for property owners who rent out residential or commercial property to tenants. This may include:

Single buy-to-let properties
Houses in multiple occupation (HMOs)
Blocks of flats
Property portfolios
Flats or houses let to long-term tenants

Policies can vary depending on the type of property, tenancy arrangement, and whether the property is furnished or unfurnished.

Landlord Insurance Policy Features

Landlord insurance is cover for people who lease properties to tenants. You may have one apartment with a single tenant, a block of flats servicing multiple tenants, or even a portfolio of properties that houses a range of people of different backgrounds and income levels.

Below is a list of some of the most common features of a landlord insurance policy for you to consider when looking for your own landlord insurance.

Buildings Insurance

Cover for structural damage to the property caused by events such as fire, flooding or storm damage. Find out more about Buildings Insurance for landlords.

Contents insurance

Protection for furniture, appliances and furnishings supplied by the landlord within the rental property. Read more about Contents Insurance.

Loss of Rent Insurance

May provide financial protection if the property becomes uninhabitable following an insured event and tenants cannot occupy the property.

Property Owners’ Liability Insurance

Cover for legal costs and compensation if a tenant or visitor is injured on the property and the landlord is found liable. Find out more about Public Liability Cover.

Emergency Repairs Cover

May assist with urgent repair costs following issues such as burst pipes, gas leaks or electrical faults. Read more about Business Interruption Cover.

Business Interruption Cover

Some policies may include protection for rental income where property damage prevents the property from being let.

Additional Landlord Insurance Options

Depending on the property and tenancy arrangements, brokers may also discuss additional forms of cover, such as:

Unoccupied property insurance
Renovation or redevelopment cover
Freeholder insurance
Non-standard construction property insurance
Bedsit or HMO insurance
Cover for specialist or unusual property types

These options are designed to cover risks associated with specific property types or letting arrangements.

Is Landlord Insurance a Legal Requirement?

Landlord insurance is not legally required in the UK. However, most mortgage lenders require buildings insurance to be in place for buy-to-let properties.

Even where a mortgage is not involved, many landlords choose to arrange specialist cover to protect against risks such as property damage, tenant claims or temporary loss of rental income.

Common Risks for Landlords

Landlords have a number of legal responsibilities relating to the safety and condition of their property. Insurance policies may provide cover where issues arise, but maintaining compliance with safety regulations remains essential.

Gas Safety

Gas appliances and pipework must be installed and maintained by a Gas Safe registered engineer. An annual gas safety check is required for rental properties.

Electrical Safety

Electrical installations and appliances supplied to tenants must be safe and properly maintained.

Fire Safety

Landlords must follow fire safety regulations, which typically include installing smoke alarms on each storey of the property and ensuring safe escape routes where required.

Flood and Property Damage Risks

Properties located in certain areas may be exposed to higher flood risk or weather-related damage. Specialist cover may be available depending on the property location and insurer.

FREQUENTLY ASKED QUESTIONS ABOUT LANDLORD INSURANCE

- What is landlord insurance?
  Landlord insurance is a specialist type of cover designed for property owners who rent out residential and in some cases commercial rental properties. It typically includes protection for the building, rental income, liability claims, and damage caused by tenants or insured events such as fire, flood or storm.
- Do I legally need landlord insurance?
  Landlord insurance is not a legal requirement in the UK. However, most mortgage lenders require buildings insurance to be in place for any buy-to-let property. Many landlords also choose additional cover to protect rental income and liability risks.
- What does landlord insurance usually cover?
  A typical policy may include:Buildings insurance for structural damage Contents insurance for landlord-owned furnishings Loss of rent if the property becomes uninhabitable Property owners’ liability cover Optional extras such as accidental damage or legal expenses
- What is not covered by landlord insurance?
  Exclusions will vary between insurers, exclusions commonly include:General wear and tear Damage caused by lack of maintenance Tenants’ personal belongings Certain high-risk events unless specifically included in the policy
- What types of property can landlord insurance cover?
  Landlord insurance can be arranged for:Single buy-to-let properties Houses in multiple occupation (HMOs) Flats and apartments Blocks of flats Property portfolios Commercial rental properties
- Does landlord insurance cover tenant damage?
  Many policies include cover for malicious or accidental damage caused by tenants, although terms and limits vary. It is important to check the level of cover provided in the policy wording.
- Does landlord insurance cover non-payment of rent?
  Standard policies do not always include rent protection. However, rent guarantee insurance can be added to help cover rental income if tenants fall into arrears (subject to policy terms and conditions).
- Can I insure multiple rental properties?
  Some insurers offer portfolio policies that allow multiple properties to be covered under a single policy, which can simplify administration.
- Does landlord insurance include legal expenses?
  Legal expenses cover is often available as an optional add-on. This may help with costs associated with eviction proceedings, tenant disputes or other legal matters related to the property. Brokers can discuss these options with you.
- How will the abolition of Section 21 affect landlords?
  Section 21 notices will no longer be available once the new rules come into force (expected May 2026). Landlords will need to rely on Section 8 grounds to regain possession, which require a specific legal reason such as rent arrears, anti-social behaviour, or selling the property. This may make the eviction process slower and more legally complex, as court proceedings are often required.From an insurance perspective, this may increase the importance of protection against both loss of rent and legal costs during possession disputes. Landlord insurance policies may include rent guarantee cover, which can help protect rental income if tenants fall into arrears, and legal expenses cover, which can contribute towards solicitor and court fees when pursuing possession through the courts.
- Do I need rent guarantee insurance after the 2026 Landlord changes?
  Whether you need rent guarantee insurance depends on your individual circumstances. Rent guarantee insurance becomes more relevant following the removal of Section 21, because recovering possession of a property may take longer if a tenant stops paying rent. Policies may help protect rental income during arrears periods and while court proceedings are ongoing.
- How will landlord regulation changes affect my insurance?
  Changes such as longer eviction timelines, increased compliance requirements, and potential refurbishment or upgrade works can all affect the risks associated with letting a property. As a result, many landlords are reviewing whether their existing insurance remains suitable.Key areas of cover that may become more relevant include:Rent guarantee insurance: to help protect rental income if tenants fall into arrears during longer possession processes Legal expenses cover: to contribute towards legal costs when pursuing possession through the courts under Section 8 Unoccupied property insurance: for periods where a property is vacant, such as during refurbishment works or between tenancies Buildings insurance with adequate sums insured: to ensure cover reflects current rebuild costs, particularly where works or upgrades are carried outThese changes do not mean landlord insurance is changing in itself, and brokers can discuss the level and type of cover landlords choose which may need to be reviewed in light of increased risks.

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