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Landlord insurance is the cover that property owners take out to cover their rental properties, this could be for one property or several; i.e. a block of flats. It can cover any unexpected costs against buildings and contents damage and loss, as well as any disputes with tenants.
Standard risks such as fire, lightning, earthquake, flood, escape of water/oil, subsidence, theft, and malicious damage are usually covered by landlord insurance policies. Although, each policy will be different and may not cover everything so it is important to double-check.
There is a whole range of different types of cover for investors and rented properties, it’s important to understand which policy is right for you and your circumstances.
Similar to regular home insurance, landlord insurance policies include buildings and contents cover. It is important to have both of these if you are letting out a part or fully furnished property.
Buy-to-let insurance is a type of landlord insurance that can be covered against one property that has been purchased using a buy-to-let mortgage. These types of mortgages typically have lower interest rates but require a larger deposit for investors.
Multi-buy insurance is a good idea for an investor with more than one rental property to insure. Whether it’s a block of flats or a scattering of rental properties, by opting for multi-buy insurance, landlords could save money and time by insuring them all under one policy.
Also known as commercial landlord insurance, this policy is intended to provide specialised cover for landlords who rent out commercial properties to third parties, such as shop fronts, hair salons, and restaurants etc.
Unoccupied home insurance covers you if you leave your house unoccupied for longer than your normal policy allows. This could be due to working abroad, having a gap in the tenancy or the property is waiting to be sold. Typically, you’ll only be covered if your house is vacant for up to 60 days.
Renovation insurance covers you for the pitfalls that may occur while building works are being carried out at the property. As a result, you'll almost certainly need buildings insurance to cover your property when it's unoccupied, as well as against threats like fire, theft, flood, and subsidence.
Whilst it isn’t a legal requirement in some instances, it is better to be insured should anything go wrong whilst it is tenanted or vacant.
If you own the property outright then you’re under no legal obligation to have buildings insurance, although it is highly recommended should anything happen to the property. If you have purchased the property with a buy-to-let mortgage, then the mortgage provider will require buildings insurance as a minimum.
It is a good idea to consider contents insurance if the property is being let part, or fully furnished to cover any damage or loss of contents. These could include appliances and soft furnishings, such as sofas and curtains.
Each policy has a standard cover for landlords insurance, usually, it’s worth looking around to find the right one for your particular circumstances.
Public Liability Insurance: If a tenant got injured at your property, this cover protects you financially should they open up a case against you.
Cost of repairing damage in an emergency following a gas leak, pest infestation or burst pipe.
Accidental damage coverfor the building and/or its contents.
Loss of rent insurance: this covers the rent you would lose, if your property becomes uninhabitable due to an insured event and your tenants are forced to move out.
Tenant's contents: this type of cover is up to the tenants to look after and not the responsibility of the landlord.
This cover can be used to claim when tenants cause damage to the property or contents on purpose
This can help reimburse any payouts for out-of-hours callouts and subsequent repair fees from emergency situations
Also known as tenant default insurance; this covers the cost if your tenants have trouble paying their rent on time, ensuring you that you can earn your rental income
The price of landlord insurance is determined by the type of cover you require (buildings, contents, both) and a range of other factors. As well as the level of cover, the price is determined by the size of your property, its location, and any optional features you choose.
Factors that affect the cost of landlord insurance:
By comparing different policies and insurance companies, Quidco can provide cheap landlord insurance quotes with up to £20 in cashback. Simply work out the type of cover you need for your property, then use the comparison tool to get instant quotes and find the ideal landlord insurance.
Making a claim will depend on the insurer, however they usually have a helpline for customers and you can find your policy details in the agreement.
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