Landlord Insurance for UK Rental Properties
Specialist landlord insurance for buy-to-let properties, flats, HMOs and rented homes — including buildings, contents, liability and loss of rent cover.
✔ FCA Regulated Broker
✔ Multiple Insurer Panel
✔ UK-Based Advisors
✔ Specialist Property Insurance
⏱ Takes around 9 minutes
Specialist Landlord Insurance for UK Rental Properties
Renting out a property comes with risks that are different from those associated with living in your own home. Landlord Insurance is specifically designed to help protect rental properties and landlords against unexpected events such as fire, flood, theft, vandalism and property damage.
At UK Sure, we provide specialist insurance solutions for private landlords and rental properties, including buy-to-let homes, flats, HMOs and other rented properties. We can help you explore cover for the building, landlord-owned contents and other risks associated with letting a property.
Depending on the policy selected, Landlord Insurance can include Buildings Insurance, Loss of Rent and Property Owners' Liability, with additional options such as Landlords' Contents, Accidental Damage, Subsidence Cover and Legal Expenses cover up to £100,000.
Landlord Insurance can help protect both your property and your financial interests as a landlord. It can also provide protection if tenants make claims against you in connection with your rental property.
Unlike standard Home Insurance, Landlord Insurance is designed specifically for properties that are rented to tenants and the risks associated with letting a property. A conventional home insurance policy will not generally provide cover for rental activities or related landlord risks.
As a specialist insurance broker, UK Sure can help you explore insurance options for a wide range of rental properties, including unusual homes that may be more difficult to insure through standard providers.
⏱ Takes around 9 minutes
-
Types of Rental Properties We Help Insure
At UK Sure, we provide specialist Landlord Insurance solutions for a range of rental properties. Whether you let a buy-to-let home, flat, HMO or another rented property, we can help you explore insurance options suited to your property and circumstances.
Buy-to-Let Properties
If you let out a buy-to-let property, specialist Landlord Insurance can help protect your rental property against unexpected events and risks associated with letting it to tenants.
Cover can include Buildings Insurance, Loss of Rent and Property Owners' Liability, depending on the policy selected.
Flats
Flats can require insurance that reflects their use as rental properties. We can help landlords explore Landlord Insurance options that may include protection for the property and landlord-owned contents.
Cover may also provide protection against other risks associated with renting out a flat, depending on the policy selected.
HMOs
HMOs can present different risks from standard rented homes. Specialist Landlord Insurance can help landlords explore suitable protection for their property.
This can include protection against risks associated with letting the property to multiple tenants, depending on the policy selected.
Rented Homes
Whether you rent out a house or another residential property, Landlord Insurance can help protect your investment against unexpected events.
It can also provide protection against risks associated with having tenants in the property, depending on the policy selected.
Unoccupied Rental Properties
If your rental property is temporarily unoccupied and there are no tenants living there, Unoccupied Property Insurance can help protect the property during this period.
This type of cover is specifically mentioned in the original Landlord Insurance information.
-
What's Included
Landlord Insurance can be arranged to help protect your rental property, landlord-owned contents, rental income and liability. Depending on the policy selected, additional cover options may also be available.
Landlord Buildings Insurance
Landlord Buildings Insurance can help cover the cost of repairing or rebuilding your rental property if it is damaged by insured events such as fire or vandalism.
Loss of Rent
Loss of Rent Cover can help protect landlords against lost rental income following an insured event. Tenant Default Insurance can also help protect rent for a set period if a tenant fails to pay.
Property Owners' Liability Insurance
Property Owners' Liability Insurance can help protect landlords against claims for injury or damage connected with their rental property, such as slips or trips caused by loose or slippery flooring.
Landlords' Contents Insurance
Landlords' Contents Insurance can be particularly relevant for furnished properties, helping cover the repair or replacement of landlord-owned possessions that are stolen, damaged or destroyed, depending on the policy selected.
Accidental Damage
Accidental Damage Cover is available as an additional cover option under the Landlord Insurance described in the original product information.
Subsidence Cover
Subsidence Cover is also available as an additional cover option under the Landlord Insurance described in the original product information.
Legal Expenses
Legal Expenses Cover can provide cover of up to £100,000, as stated in the original product information.
Unoccupied Property Insurance
Unoccupied Property Insurance can help protect a rental property while there are no tenants living there, including when the property is temporarily unoccupied.
Tenant Default Insurance
Tenant Default Insurance can help protect landlords if a tenant fails to pay their rent, providing rent cover for a set period according to the policy selected.
How to Buy Landlord Insurance
Buying Landlord Insurance starts with understanding your rental property and the protection you require. To help identify suitable insurance options, you can provide details about your property and circumstances so that available cover can be considered.
01 Identify the Cover You Need
Consider the type of rental property you own and the areas you may need to protect, such as the building, landlord-owned contents, rental income and property owners' liability.
02 Gather Your Property Information
Before requesting a quote, have your relevant rental property and insurance information available. This can help insurers assess the property and the cover required.
03 Request a Quote
Provide your property details to request a Landlord Insurance quote. UK Sure can help you explore suitable insurance options from its panel of insurers based on your requirements.
04 Choose Your Policy
Review the available insurance options and select the policy that best reflects your property, circumstances and required level of cover.
05 Receive Your Documents
Once your insurance has been arranged, you will receive your policy documents confirming the cover selected.
⏱ Takes around 9 minutes
Landlord Insurance for UK Landlords & Rental Properties
Landlord Insurance is designed to help protect landlords against risks associated with renting out residential property. Whether you own a buy-to-let home, flat, HMO or another rented property, suitable insurance can help protect your property, rental income and financial interests.
At UK Sure, we help private landlords explore insurance solutions from our panel of insurers, with options that can include Buildings Insurance, Landlords' Contents, Property Owners' Liability, Loss of Rent and other additional covers depending on the policy selected.
Properties Commonly Covered
-
Buy-to-Let Properties
-
Flats
-
HMOs
-
Rented Homes
-
Unoccupied Rental Properties
UK Sure Authorised and regulated by the Financial Conduct Authority.
Our FCA Firm reference number is 923039.
Why choose UK Sure for your Landlord Insurance?
Access to Multiple Insurers
We work with a panel of insurers, giving landlords access to a range of cover options. This allows us to help find suitable protection at competitive rates for many different property types.
Specialist Landlord Expertise
UK Sure understands the risks landlords face, from loss of rent and liability claims to property damage. Our experienced team can help you arrange cover suited to your rental property and circumstances.
Flexible Cover
Options
Choose from a range of cover options, including buildings, contents, liability, legal expenses and loss of rent protection. This flexibility helps ensure your policy matches your individual requirements.
Cover for Various Properties
Whether you own a buy-to-let house, flat, HMO or furnished rental property, UK Sure can help arrange landlord insurance tailored to the specific risks associated with your property.
UK-Based Customer Support
Our friendly UK-based advisors are available to answer questions and provide assistance throughout the policy process, helping landlords make informed decisions about their insurance cover.
● Frequently asked questions