Landlord Insurance | Compare 20+ Insurers

Q: What does landlord insurance cover?

Typically buildings cover for the structure, landlord contents for what you provide, property owners’ liability for tenant or visitor injury, and loss of rent, plus alternative accommodation for your tenants, if the property becomes uninhabitable.

Q: What’s included as standard, and what can I add?

Typically the building structure, fixtures and permanent fittings, landlord-owned contents, and property owners’ liability. Loss of rent, rent guarantee and legal expenses can usually be added.

Q: Is landlord insurance a legal requirement?

No. There’s no law requiring landlord insurance, but a buy-to-let lender will almost always require buildings cover as a condition of the mortgage, and a lease may require it too.

Q: Can I let a property on standard home insurance?

Generally no. Most home policies exclude tenanted property, so letting on a home policy can invalidate the cover at the point you need it most.

Q: Do I need landlord insurance if I rent to family?

Usually yes. Letting to a family member is still letting, so a standard home policy generally won’t apply. Some insurers treat family lets differently, so tell them the arrangement upfront.

Q: Who insures a leasehold flat I let out?

Usually the freeholder or management company insures the building, with the cost recovered through the service charge. You’d still want landlord contents and property owners’ liability for the flat itself.

Q: Should I insure for rebuild cost or market value?

Rebuild cost. Insuring for market value can leave you underinsured, and insurers may apply the principle of average, reducing any payout in proportion to the shortfall.

Q: How much does landlord insurance cost?

There’s no fixed price. Property type, location, rebuild cost, tenant type and whether the property is ever left empty all affect what you pay.

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Cover for landlords across the UK

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What is landlord insurance?

Landlord insurance is a specialist policy for properties you rent out. It combines buildings cover for the structure, contents cover for anything you provide, and property owners’ liability if a tenant or visitor is injured.

Standard home insurance usually excludes tenanted property, letting on a home policy can invalidate the cover at the worst possible moment.

The right landlord cover depends on:

Property type and tenancy

Freehold or leasehold

Tenant type and occupancy

Rebuild cost, not market value

Rental income at risk

Portfolio size

Get a Quote

Call 0330 027 0996

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Start with your property type

Most landlords fall into one of two groups, letting homes to private tenants, or letting premises to businesses. The cover differs, so start with whichever matches your property.

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Residential Landlords

For landlords letting houses, flats and maisonettes to private tenants.

Explore Residential Landlord

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Commercial Landlords

For owners letting shops, offices, warehouses and industrial units.

Explore Commercial Landlord

More ways to find the right cover

Some landlords need cover built around a specific situation rather than a property type, a mortgaged buy-to-let, an HMO licence, a block of flats or a property standing empty.

Buy-to-Let

For mortgaged rental properties where your lender requires buildings cover.

Lender requirementsRebuild costLoss of rent

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HMO Properties

For houses in multiple occupation, including licensable HMOs.

Licensing rulesMultiple tenanciesFire safety

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Property Developers

For new builds, conversions, renovations and projects in progress.

Works in progressConversionsSite risks

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Block of Flats

For freeholders, RMCs and share-of-freehold blocks.

Communal areasFreeholder dutyService charge

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Unoccupied Property

For properties empty between tenancies, in probate or under renovation.

Void periodsProbateRenovation

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Rent Guarantee

For landlords who want protection if a tenant stops paying rent.

Unpaid rentLegal costsEviction support

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Cover for commercial property owners

From shops and offices to warehouses and industrial units, commercial letting carries different obligations to residential.

Property types covered:

Retail units

Offices

Restaurants and pubs

Workshops

Warehouses

Industrial units

Explore Commercial Cover

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Insurance for residential landlords

Protect rental properties against damage, liability claims and lost rent.

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Buildings Cover

Protection for the structure, fixtures and permanent fittings.

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Property Owners’ Liability

Protection if a tenant or visitor is injured at your property.

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Loss of Rent & Alternative Accommodation

Replaces lost rent if the property becomes uninhabitable after an insured event, and covers the cost of housing your tenants elsewhere.

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Landlord Contents

Cover for furnishings, white goods and carpets you provide.

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Cover for mixed-use property owners

From residential flats above shops to buildings combining offices and retail.

The right cover depends on:

Property layout and use

Residential and commercial tenants

Type of businesses operating

Building construction

Rental income

Property occupancy

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Why use Insurance Revolution for landlord insurance?

We arrange cover that reflects how your property is actually let, including the rebuild cost your lender requires.

Specialist landlord insurers

Experienced UK advisers

Residential, commercial and mixed-use

Portfolio cover for multiple properties

Help setting the right rebuild cost

Cover for unoccupied and non-standard property

Start Your Quote

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How the quote process works

Simple steps. Expert advice on the cover your property actually needs.

Tell us about your property

Type, location, tenancy and whether it’s let or empty.

Set your rebuild cost

Cover should reflect rebuild cost, not market value.

We compare specialist insurers

We search our panel of specialist landlord insurers.

Get covered and get your documents

Receive your policy documents, usually the same day.

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From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.

Landlord insurance guides

Practical advice on cover, tenancies and protecting rental income.

Does the Renters’ Rights Bill Change Your Landlord Insurance?

The Renters’ Rights Act introduces some of the biggest changes to England’s private rented sector in decades. From the removal of Section 21 ‘no fault’ evictions to changes in tenancy agreements and rent increases, landlords now face a different legal landscape than they did just a few years ago.

How to Reduce Your Landlord Insurance Premiums

Landlord insurance is a vital cost for protecting your rental property, but that doesn’t mean you should overpay. This guide explains how to reasonably reduce your landlord insurance premiums while still protecting your investment.

Top Landlord Insurance Claims And How To Prevent Them

Most landlord insurance claims follow familiar patterns. But the emerging pattern in 2025-26 is how often they happen and how much they cost. Rising repair prices and more extreme weather mean even routine claims are becoming more expensive.

Landlord Insurance UK: What Every Buy-to-Let Owner Needs to Know

Owning a buy-to-let property can offer a reliable income stream, but it also brings exposure to risks that standard home insurance may not cover. From accidental damage to liability claims and tenant-related losses, landlords face a unique set of challenges. Landlord insurance can provide tailored protection to help safeguard rental income, the property itself, and the landlord’s legal responsibilities.

Landlord Insurance Claims: What to Do When Tenants Cause Damage or Rent Goes Unpaid

Letting a property can bring consistent returns, but it can also come with unexpected challenges. From physical damage caused by tenants to rent arrears that disrupt income, landlords may face situations that require a carefully managed insurance claim.

Why Hidden Risks Can Cost Landlords Thousands

Many landlords think they are covered because they hold a general business or property policy. But commercial property insurance is designed to address the real threats landlords face. Without it, one event can lead to huge losses.

Landlord Insurance Mistakes: 5 Things UK Property Owners Get Wrong

When arranging residential landlord insurance in the UK, it can be easy to assume standard policies cover everything. However, there are several common mistakes property owners make when choosing or reviewing their level of cover. Overlooking these could leave landlords exposed to financial risks.

What Commercial Landlord Insurance Actually Covers: From Fires to Tenant Lawsuits

When owning a commercial property, arranging the right commercial landlord insurance can help protect both the building and your business interests. While many property owners understand the basics, not everyone knows exactly what this type of cover includes. From fire damage to legal actions linked to tenants, commercial landlord insurance could offer vital financial protection.

Do You Need Landlord Insurance If Your Tenant Already Has Business Insurance?

When letting out a commercial property, some landlords assume that if a tenant holds business insurance, it covers all risks. In reality, commercial landlord insurance and tenant business insurance serve different purposes. Knowing where the responsibilities lie helps property owners avoid gaps in financial protection.

Landlord insurance FAQs

Straight answers on what’s required, what’s covered and what affects cost.

What is landlord insurance?

What does landlord insurance cover?

What’s included as standard, and what can I add?

Is landlord insurance a legal requirement?

Can I let a property on standard home insurance?

Do I need landlord insurance if I rent to family?

Who insures a leasehold flat I let out?

Should I insure for rebuild cost or market value?

How much does landlord insurance cost?

Still have questions?

Our advisers are here to help you find the right solution.

Call 0330 027 0996

Get a quote

What is landlord insurance?