Landlord
Building
Insurance
What is Landlord Building Insurance?
Landlord Building Insurance protects property owners from financial losses related to the structure of their rental properties. Whether you own a single buy-to-let, multiple rental properties, or an HMO, this insurance ensures your property is covered against risks such as fire, flood, subsidence, and accidental damage.
For private landlords, property investors, and letting agencies, Landlord Building Insurance is essential to safeguard investments and ensure compliance with mortgage lender requirements.
Who Needs Landlord Building Insurance?
If you rent out a property, having specialist building insurance is crucial to protect your investment. This includes:
- Buy-to-Let Landlords – Cover for single or multiple rental properties.
- HMO Landlords – Protection for Houses in Multiple Occupation with multiple tenants.
- Portfolio Landlords – Cover for those managing multiple rental properties.
- Accidental Landlords – For homeowners who rent out their property.
- Short-Term Let Landlords – Cover for holiday rentals or Airbnb properties.
Why is Landlord Building Insurance Important?
Standard home insurance won’t cover rental properties. Without specialist cover, you could face significant financial losses if your property is damaged or becomes uninhabitable.
Common risks that Landlord Building Insurance protects against include:
- Fire and Structural Damage – Covers rebuilding or repairs due to fire, storms, floods, and other insured events.
- Subsidence and Ground Movement – Protection against structural shifting that could impact your property.
- Accidental and Malicious Damage – Covers damage caused by tenants, vandals, or unexpected incidents.
- Loss of Rent – Compensation if your property is uninhabitable due to an insured event.
- Alternative Accommodation – Covers rehousing costs for tenants if necessary.
What’s Covered in Landlord Building Insurance?
Landlord Building Insurance policies typically include:
- Buildings Insurance – Covers structural repairs or rebuilding costs.
- Property Owners' Liability – Protection if a tenant or visitor is injured due to property defects.
- Loss of Rent – Compensation if tenants cannot live in the property due to an insured event.
- Alternative Accommodation Cover – Pays for temporary housing if required.
What’s Not Covered?
- General wear and tear of the property.
- Tenant non-payment of rent (unless rent guarantee cover is added).
- Unoccupied properties left vacant for extended periods (unless specific cover is added).
Additional Cover You May Need
Depending on your rental property type, you may need additional cover such as:
- Rent Guarantee Insurance – Covers unpaid rent if tenants default.
- Landlord Legal Expenses – Protection for legal costs in disputes with tenants.
- Home Emergency Cover – 24/7 assistance for boiler breakdowns, plumbing issues, and more.
- Multiple Property Insurance – Simplify cover if you own multiple rentals.
Get the right cover for your rental property
At Insurably, we have access to hundreds of insurer markets, meaning that no matter how unique your rental property is, we know where to find the right cover for you.
Start your quote online, and rest assured that we’re working hard to match you with the best insurer, ensuring your investment is fully protected.
- Small local office, no call centres.
- Experienced, knowledgeable staff.
- We keep it simple—no jargon, just clear and honest advice.
What does Landlord Building Insurance cover?
What's Covered?
What's Not Covered?
Landlord Insurance is essential for protecting rental properties against risks like fire, tenant damage, and liability claims. Insurably® makes it easy to get the right cover with expert advice and great service—giving landlords peace of mind that their investment is in safe hands.
25+
years of experience in landlord insurance
100+
insurer markets accessed
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confidence in property protection
Frequently Asked Questions
- Fire, flood, and storm damage – Repairs or rebuilding costs after major incidents.
- Subsidence and structural damage – Protection if shifting ground affects the property.
- Vandalism and accidental damage – Covers unexpected damage to the building.
- Loss of rent – If your property becomes uninhabitable due to an insured event.
- Alternative accommodation – Pays for temporary housing for tenants.
- Property owners' liability – Protection if a tenant or visitor is injured due to structural defects.
- Wear and tear from general use.
- Tenant non-payment of rent (unless Rent Guarantee Insurance is added).
- Unoccupied properties left vacant for extended periods (unless unoccupied property cover is included).
- Damage due to poor property maintenance or neglect.
- Property size and rebuild cost.
- Location and risk factors (e.g., flood zones).
- Number of tenants and property type (e.g., HMO vs. single let).
- Additional cover options like loss of rent or alternative accommodation.