Residential
Landlord
Insurance
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 Residential Landlord Insurance?
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 Residential Landlord Insurance 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.
What’s Covered in Residential Landlord Insurance?
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 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 100's 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 Residential Landlord Insurance cover?
What's Covered?
What's Not Covered?
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.
25+
years of experience in landlord insurance
100+
insurer markets accessed
100%
confidence in property protection
Frequently Asked Questions
- Buildings Insurance – Covers structural damage from fire, floods, storms, and more.
- Landlord Contents Insurance – Protects furniture, appliances, and fittings (if provided).
- Loss of Rent – Covers lost rental income if the property becomes uninhabitable due to an insured event.
- Property Owners' Liability – Protects against claims if a tenant or visitor is injured due to property defects.
- Alternative Accommodation – Covers the cost of rehousing tenants if necessary.
- Legal Expenses – Assists with legal costs for disputes with tenants.
- Property location and size.
- Number of tenants and tenancy type.
- Rebuild cost and level of cover required.
- Additional cover options like loss of rent or landlord contents insurance.