Landlord
Insurance
For Flats

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What is Landlord Insurance for Flats?

Landlord Insurance for Flats is designed to protect landlords who rent out individual flats or entire apartment blocks. Whether you own a single buy-to-let flat, multiple units, or a purpose-built block, this insurance safeguards against risks such as property damage, loss of rent, and liability claims.

For flat owners, buy-to-let landlords, and property management companies, having specialist landlord insurance ensures financial protection and peace of mind.

Who Needs Landlord Insurance for Flats?

If you rent out a flat, whether in a converted building or a purpose-built block, having tailored insurance is essential. This includes:

  • Buy-to-Let Flat Owners – Cover for landlords with single or multiple flats.
  • Block of Flats Owners – Protection for those managing entire blocks.
  • Leasehold Landlords – Insurance for flats within shared freehold buildings.
  • Portfolio Landlords – Cover for those with multiple buy-to-let properties.
  • Short-Term Let Landlords – Cover for Airbnb or serviced apartment rentals.

Why is Landlord Insurance for Flats Important?

Standard home insurance won’t cover rental flats. Without specialist landlord cover, you could face significant financial risks if something goes wrong.

Common risks that Landlord Insurance for Flats protects against include:

  • Property Damage – Covers fire, flood, leaks, or tenant damage.
  • Loss of Rent – Protection if your flat becomes uninhabitable due to an insured event.
  • Liability Claims – Covers legal fees and compensation if a tenant or visitor is injured.
  • Alternative Accommodation – Covers costs if tenants need to be rehoused due to damage.

What’s Covered in Landlord Insurance for Flats?

Policies typically include:

  • Buildings Insurance – Covers structural damage to your flat.
  • Landlord Contents Insurance – Protection for furnishings in furnished flats.
  • Landlord Liability – Covers injury or damage claims from tenants or visitors.
  • Loss of Rent – Compensation if tenants must move out due to an insured event.

What’s Not Covered?

  • Wear and tear of the property.
  • Tenant non-payment of rent (unless rent guarantee cover is added).
  • Malicious damage by tenants (unless covered under optional add-ons).

Additional Cover You May Need

Depending on your flat rental, you may need extra cover such as:

Get the right cover for your flat

At Insurably, we work with leading insurers to find the best protection for your flat, whether it’s a single unit or an entire block.

Start your quote online today, and rest assured we’ll match you with the best insurer to keep your investment secure.

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  • Small local office, no call centres.
  • Experienced, knowledgeable staff.
  • We keep it simple—no jargon, just clear and honest advice.

What does Landlord Insurance for Flats cover?

  • Liability for Tenant or Visitor Injuries
  • Property Damage Protection
  • Loss of Rental Income

What's Covered?

What's Not Covered?

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Landlord Insurance doesn’t have to be complicated. Insurably® helps landlords find tailored cover for their rental properties by understanding the unique risks involved, offering clear explanations and expert guidance. With an efficient, hassle-free process, landlords can feel confident their investments are properly protected.
Emily Turner Managing Director | Turner Consultants

25+

years of experience in landlord insurance

100+

insurer markets accessed

100%

confidence in property protection

Frequently Asked Questions

Landlord Insurance for Flats is designed to protect property owners who rent out individual flats or entire blocks. It covers risks such as property damage, loss of rent, and liability claims, ensuring you’re financially protected if something goes wrong.
If your flat is leasehold, the building’s freeholder or management company may already have buildings insurance in place. However, you will still need landlord insurance to cover your fixtures, fittings, liability risks, and loss of rent.
Cover typically includes:
  • Buildings Insurance – Covers structural damage (if you are responsible for it).
  • Contents Insurance – Protection for furnishings and white goods in furnished flats.
  • Loss of Rent – Compensation if tenants must move out due to an insured event.
  • Landlord Liability – Covers legal costs if a tenant or visitor is injured in your flat.
  • Alternative Accommodation – Pays for tenant relocation if the flat becomes uninhabitable.
Standard policies won’t cover:
  • Wear and tear of the flat over time.
  • Tenant’s personal belongings (they need their own insurance).
  • Malicious damage by tenants (unless covered under an optional add-on).
  • Loss of rent due to tenant non-payment (unless covered by Rent Guarantee Insurance).
No, it’s not legally required, but many mortgage lenders insist on it. Without the right cover, you could face significant financial losses in the event of property damage, legal disputes, or loss of rental income.
The cost depends on factors such as:
  • The location and security of your flat.
  • Whether it’s a leasehold or freehold property.
  • The level of cover you choose.
  • Additional risks like rent guarantee or accidental damage cover.
Yes, but most policies won’t cover flats left unoccupied for over 30-60 days. If your flat is empty for longer, you may need Unoccupied Property Insurance.
You can get a quote online through Insurably® or speak to our expert team for advice. We compare policies from leading insurers to find the best protection for your rental flat.