Landlord Insurance
For Flats
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 This?
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 it 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.
Coverage at a Glance
Know exactly what you're protected against.
What's Covered
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 business type, consider adding these protections.
Get the right cover for your business
At Insurably, we have access to 100's of insurer markets. No matter how unique your requirements, we find the right cover to suit you.
What does Landlord Insurance cover you for?
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.
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