Residential Landlord
Insurance

Overview

What is Residential Landlord Insurance?

Residential Landlord Insurance protects property owners from financial losses related to their rental properties. Whether you own a single buy-to-let, multiple rental properties, or an HMO, this insurance ensures you’re covered against risks such as property damage, loss of rent, and liability claims.

For private landlords, property investors, and letting agencies, Residential Landlord Insurance is essential to safeguard investments and provide peace of mind.

Who Needs This?

If you rent out a property, having specialist 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 landlord-specific cover, you could face significant financial losses if something goes wrong.

Common risks that Residential Landlord Insurance protects against include:

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

Coverage at a Glance

Know exactly what you're protected against.

What's Covered

Landlord Insurance policies typically include:

Buildings Insurance – Covers structural damage to your property.
Contents Insurance – Protection for furnishings if you let a furnished property.
Landlord Liability – Covers claims for injuries or damages involving tenants or visitors.
Loss of Rent – Compensation if tenants cannot live in the property 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.

Buildings Insurance

Cover for your home's structure.

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

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.

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What does Residential Landlord cover you for?

Liability for Tenant or Visitor Injuries

Accidents happen, and tenants or visitors could get injured on your property. Whether it's a loose carpet causing a fall or an icy pathway leading to a slip, landlord insurance covers liability claims so you won’t be out of pocket if legal action is taken against you.

What's Covered

Liability for tenant or visitor injuries: Covers legal and medical costs if someone is injured due to hazards on your rental property.
Compensation payouts: Assists with claims for pain, suffering, and lost earnings caused by incidents on the property.
Legal fees for defending liability claims: Covers solicitor costs and court expenses.

What's Not Covered

Injuries caused by intentional neglect: Claims arising from knowingly ignoring dangerous conditions won’t be covered.
Injuries to employees or workers: Employee claims fall under Employer’s Liability Insurance.
Claims outside the policy period: Any incidents occurring outside your active cover won’t be protected.

Property Damage Protection

Your rental property is a valuable asset, and unforeseen damage can be costly. Whether it’s a fire, flood, or vandalism, landlord insurance provides financial protection so you can repair or rebuild without a huge financial hit.

What's Covered

Fire, flood, and storm damage: Covers repair or rebuilding costs due to major incidents.
Vandalism and malicious damage: Protection against damage caused by intruders or even tenants (if covered by your policy).
Alternative accommodation costs: Covers expenses if tenants need to be rehoused while repairs take place.

What's Not Covered

Wear and tear: Gradual deterioration of the property isn’t covered.
Tenant-caused damage (unless specified): Damage caused by tenants may require an additional cover option.
Unoccupied properties: Some policies won’t cover damage if the property is empty for a long period.

Loss of Rental Income

Losing rental income due to unexpected property damage can put financial strain on landlords. If your tenants need to move out while repairs take place, landlord insurance can cover lost rent, ensuring you don’t suffer financially.

What's Covered

Loss of rent due to insured damage: Covers rental income if tenants must move out due to a covered incident.
Tenant relocation costs: Helps with alternative accommodation expenses for tenants (if covered).
Business interruption protection: Financial support for landlords with multiple properties facing income disruption.

What's Not Covered

Tenant rent arrears: Missed payments unrelated to property damage aren’t covered (consider Rent Guarantee Insurance).
Deliberate tenant non-payment: If tenants simply refuse to pay rent, this isn’t covered under standard loss of rent protection.
Eviction costs: Legal expenses for evictions aren’t typically covered unless specified in legal expenses cover.

Landlord Insurance protects your rental property against risks like fire, flood, tenant damage, and liability claims. Insurably® makes it easy to arrange the right cover with clear advice and great service—giving landlords peace of mind that their investment is properly protected.

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business types covered

100+

insurer markets accessed

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confidence in business protection

Residential LandlordInsurance

What is Residential Landlord Insurance?

Who Needs This?

Why is it Important?

Coverage at a Glance

What's Covered

What's Not Covered

Additional Cover You May Need

Buildings Insurance

Landlord Contents

Home Emergency

Unoccupied Home

Get the right cover for your business

What does Residential Landlord cover you for?

Liability for Tenant or Visitor Injuries

What's Covered

What's Not Covered

Property Damage Protection

What's Covered

What's Not Covered

Loss of Rental Income

What's Covered

What's Not Covered

2,905

100+

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Residential Landlord
Insurance