Landlords insurance

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.

We’re pleased to be able to offer cover to all residential landlords. Our policies are based on the particularities of the individual property as well as your details, and for that reason we do not provide blanket coverage. As no two buildings are the same, customers should take out a separate policy for each letting, one which has been specified to meet the needs of the property. We also cannot insure commercial landlords.

Letting rooms in your home without informing your insurer could invalidate your policy. This means that any claim you make may be rejected. You should therefore take out insurance for homeowners with lodgers so that your lodger is factored into your cover.

The cost of a landlord’s insurance policy varies depending on the size, location and type of your property. The cost also varies depending on how much cover you take out, whether you opt to pay a little more to reduce your excess and whether you opt for any of the additional landlord cover options such as loss of rent cover or landlords legal expenses cover.