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Landlord Insurance

Compare Quotes On Your Landlord Insurance

  • Compare landlord insurance through specialist brokers
  • Cover options for buy-to-let, HMOs and property portfolios
  • Policies built around rental risk and tenant-related issues
  • One quick form to connect with experienced brokers
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Why Use QuoteSearcher for Landlord Insurance?

Letting a property brings different risks to living in one yourself. Tenant damage, void periods and lost rental income are all things insurers weigh up when pricing a landlord policy.

QuoteSearcher connects you with brokers who specialise in rental property cover. Fill in one short form, and we’ll put you in touch with brokers who’ll ask how your property is let and talk you through the options that could suit you.

That means no calling round insurers one by one, just brokers who already know the buy-to-let and rental market.

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What Is Landlord Insurance?

Landlord insurance is built for people who rent out property to tenants. That could mean:

  • A single buy-to-let property
  • A house in multiple occupation (HMO)
  • A block of flats
  • A property portfolio
  • A long-term tenancy let, furnished or unfurnished

Cover varies by property type, tenancy arrangement and furnishing status, so what suits one landlord may not suit another.

Landlord Insurance Policy Features

Here are some of the most common features you’ll come across when comparing landlord policies:

 

Buildings Insurance

Cover for structural damage caused by fire, flooding or storm. Find out more about Buildings Insurance for landlords.

Contents insurance

Cover for furniture, appliances and furnishings you supply as landlord. Read more about Contents Insurance.

Loss of Rent Insurance

May help financially if the property becomes uninhabitable after an insured event and tenants can’t stay.

Property Owners’ Liability Insurance

Cover for legal costs and compensation if a tenant or visitor is injured and you’re found liable. Find out more about Public Liability Cover.

Emergency Repairs Cover

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

Business Interruption Cover

Some policies may protect rental income if damage stops you letting the property.

Additional Landlord Insurance Options

Depending on your property and how it’s let, your broker may also discuss:

  • Unoccupied property cover: for buildings left vacant between tenancies or during renovation
  • Renovation cover: protection during redevelopment or refurbishment
  • Freeholder insurance: covers the structure and communal areas where you hold the freehold
  • Non-standard construction: for properties built with non-traditional materials or methods
  • Bedsit and HMO cover: specialist cover for houses in multiple occupation and shared lets
  • Short-term and holiday letting:  cover for properties let on a short-term or Airbnb-style basis, where available. 
  • Specialist property types:  cover for unusual or high-value properties and letting arrangements
couple signing property contract

Is Landlord Insurance a Legal Requirement?

Landlord insurance isn’t a legal requirement in the UK. But most mortgage lenders will insist on buildings insurance being in place for buy-to-let properties.

Even without a mortgage, many landlords choose cover to protect against property damage, tenant claims, or a temporary loss of rental income.

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Common Risks for Landlords

As a landlord, you’re responsible for keeping your property safe and compliant. Insurance can help if something goes wrong, but it doesn’t replace those legal responsibilities.

Gas Safety

Gas appliances and pipework must be installed and maintained by a Gas Safe registered engineer, with an annual safety check.

Electrical Safety

Electrical installations and appliances you supply must be safe and properly maintained.

Fire Safety

Smoke alarms on each storey, and clear escape routes, in line with fire safety rules.

Flood and Property Damage Risks

Properties in higher-risk areas may face flood or weather damage. Specialist cover may be available depending on 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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