Landlord Building
Insurance

Overview

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 This?

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 it 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.

Coverage at a Glance

Know exactly what you're protected against.

What's Covered

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 business type, consider adding these protections.

Tenant Liability

Cover for tenant damage.

Landlord Contents

Cover for furnishings.

Home Emergency

Fast help for urgent repairs.

Unoccupied Home

Cover for empty properties.

Get the right cover for your business

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What does Landlord Building cover you for?

Property Owners' Liability Cover

As a landlord, you are responsible for maintaining a safe environment for tenants and visitors. If someone gets injured due to structural defects, you could be held liable. Landlord Building Insurance covers legal costs and compensation claims, ensuring you’re protected from costly lawsuits.

What's Covered

Liability for tenant or visitor injuries: Covers legal fees and compensation if someone is injured due to structural hazards (e.g., falling roof tiles, loose handrails).
Third-party property damage: Protection if damage to a neighbour’s property occurs (e.g., roof damage spreading to an adjacent building).
Legal defence costs: Covers solicitor fees and court expenses for liability claims.

What's Not Covered

Neglect of maintenance: Claims arising from failure to maintain the building properly may not be covered.
Injuries to employees or contractors: Workers’ claims require Employer’s Liability Insurance.
Claims outside the policy period: Incidents occurring before or after the policy is active aren’t covered.

Structural Damage Protection

Your rental property is a significant investment, and unforeseen structural damage can be costly. Landlord Building Insurance provides financial protection against risks such as fire, floods, storms, and subsidence, ensuring your property remains secure.

What's Covered

Fire, flood, and storm damage: Covers repair or rebuilding costs for structural damage caused by natural disasters.
Subsidence and ground movement: Protects against shifting foundations that may compromise the property’s integrity.
Vandalism and malicious damage: Covers repair costs due to break-ins, arson, or other intentional property damage.

What's Not Covered

General wear and tear: Gradual deterioration of the building isn’t covered.
Damage from long-term neglect: Issues arising from poor maintenance aren’t included in standard cover.
Unoccupied properties: Some policies may not cover damage if the property is vacant for an extended period.

Loss of Rental Income Protection

If your rental property becomes uninhabitable due to an insured event, you may lose rental income. Landlord Building Insurance can cover lost rent, ensuring you remain financially stable while repairs take place.

What's Covered

Loss of rent due to insured damage: Covers rental income if tenants must move out due to major structural damage.
Alternative accommodation costs: Pays for temporary housing for tenants if needed.
Business interruption cover: Financial support for landlords with multiple properties facing significant income loss.

What's Not Covered

Tenant rent arrears: Missed rent payments not related to property damage aren’t covered (consider Rent Guarantee Insurance).
Eviction costs: Legal expenses for evictions aren’t included unless specified under a legal expenses policy.
Deliberate non-payment of rent: If tenants refuse to pay without cause, this isn’t covered under standard loss of rent protection.

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.

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business types covered

100+

insurer markets accessed

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confidence in business protection

Landlord BuildingInsurance

What is Landlord Building Insurance?

Who Needs This?

Why is it Important?

Coverage at a Glance

What's Covered

What's Not Covered

Additional Cover You May Need

Tenant Liability

Landlord Contents

Home Emergency

Unoccupied Home

Get the right cover for your business

What does Landlord Building cover you for?

Property Owners' Liability Cover

What's Covered

What's Not Covered

Structural Damage Protection

What's Covered

What's Not Covered

Loss of Rental Income Protection

What's Covered

What's Not Covered

2,905

100+

100%

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Landlord Building
Insurance