Choose UK Sure for your Landlords Insurance

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Landlord insurance is similar to home insurance, but it's specifically designed to cover rental properties.

The three main types of landlord insurance are buildings, contents, and liability insurance.

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Cover is provided for buildings, loss of rent, and property owner liability, additional covers include landlord's contents, accidental damage, subsidence cover, and legal expenses cover up to £100,000.

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Beyond these, there are various add-ons you may find useful, depending on the type of property you're letting.

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As a specialist insurance broker, we’re able to secure cover for even the most unusual homes. And we do so at a great rate where other companies would struggle to even provide a quote.

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What is Landlords Insurance

 

Landlord insurance is cover that protects landlords from risks associated with their rental property. It usually includes any building you own and rent and can include the contents of those buildings too. This insurance covers you against any unpredictable events such as fire, flood, theft or vandalism.

 

You are also protected should any tenants claim against you. This is different to home insurance as it includes cover for problems that specifically landlords may face.

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What sort of insurance do I need as a landlord?

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Landlord insurance does not only protect a property if it gets damaged, but it also protects landlords from many other risks, including damages, theft, liability claims and even loss of rent from tenants.

 

Renting your property comes with many things that are out of your control that you may still be liable for which is why it is always worth covering your assets just in case the worst happens. Having an insurance policy in place will help you when you find yourself needing it most.

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Different types of landlord insurance

 

There are different types of landlord insurance that cover you for different risks. The type of cover you chose depends on what risks you would like to be covered for. These are a few of the different types of cover: 

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Landlord contents insurance 

This is especially important if you rent a furnished property as it can pay for any repairs or replacements if your possessions have been stolen, damaged or destroyed. Find out more about landlord contents insurance.

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Property owners’ liability insurance 

Accidents occur all the time, things like loose or slippery flooring are quite common amongst rented properties and can lead to slips and trips. Landlord liability insurance is designed to protect you from injury or damage claims related to your rental property. This is a type of public liability insurance built specifically for landlords. 

 

Unoccupied property insurance

Landlord insurance for unoccupied properties is a type of cover you can take out to protect your property while you don’t have any tenants living there. 

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Tenant default insurance  

If your tenant fails to pay their rent, tenant default insurance can cover your rent for a set period of time. Rent guarantee insurance protects landlords from the real risk of non-payment of rent.

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Landlord buildings insurance  

Your landlord insurance covers the property itself as long as you have buildings insurance as part of your policy. It can cover the costs of rebuilding or repairing your property if it damaged by events such as fire or vandalism.

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Do I need landlord insurance? 

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Your mortgage lender may also ask you to take out a specialist landlord insurance policy to protect your property however, legally, you are not required to have landlord insurance. Landlord insurance helps protect your property as well as you and your tenants. If you rent out a property, a conventional home insurance policy won’t cover you for any rental activities or related issues.

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Essentially, landlord insurance covers you against unpredictable events, which is why it is always recommended that you have an insurance policy in place. In the long run, having an insurance policy in place will help you avoid putting yourself and your assets at risk.  

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