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A standard home insurance policy is unlikely to be able to cover you adequately as there are a higher number of risks associated with your property. Landlord insurance is designed to take situations involving tenants into account.

Leaseholders do not normally need buildings cover for flats in England, Wales or Northern Ireland. If you decide that you don’t need buildings insurance cover for a flat you rent out, make sure that you have adequate alternative cover for fixtures and fittings such as carpets and curtains.

If the property you let out is mortgaged, your lender will almost certainly require you to have buildings insurance in place as a condition of the loan. As there are extra risks associated with properties which are not owner-occupied, standard home insurance is unlikely to give you adequate cover. Landlord buildings insurance is designed to take situations involving tenants into account.

No. Depending on whether you own or rent your home, just take out straightforward homeowner insurance or tenant insurance but let your provider know that you have a lodger living with you.

No, but if your property is mortgaged, your lender will almost certainly require you to have buildings insurance in place as a condition of the loan.

Homeprotect home insurance covers a wide variety of situations including properties that are let out, as well as properties that are empty for different reasons, such as during voids between tenants.

If your property is usually rented out but will be empty for more than 30 days, you need to let us know.

Yes, if the property is empty for more than 30 days. Landlord insurance with unoccupied protection is available. 

You can take out landlords buildings insurance and landlord contents insurance for flats that you let out. Landlords need to take out a separate policy for each flat. Note that, in general, the owner of the freehold of a set of flats will probably have buildings insurance for the entire building.

Homeprotect landlord buildings insurance can cover freehold properties that contain up to six leasehold flats provided that at least one freeholder uses one of the flats as their permanent home.

Landlords insurance will provide the property cover you need if you are letting your house to tenants.

You can also take out a holiday home insurance policy if you are renting your house to paying guests at set times of the year. 

No, tenants are not required to insure their contents but it is advised. Landlords are responsible for insuring the building.

If you furnish your let property you’ll need insurance to protect the items you supply against fire and theft. Contents include furniture, household utensils, electrical equipment, soft furnishings such as lampshades, and curtains and blinds. You can choose the level of cover you need as appropriate and you only pay for the amount of cover you choose.

Homeprotect landlord buildings cover includes £7,500 per claim for your contents in let property.

If the contents are worth more than this, you need to add landlord contents insurance to your policy.

This cover is often not very expensive, but it’s invaluable to make sure you’re not out of pocket in the event you’d need to claim.