Landlord insurance FAQs

All your questions about landlord insurance, answered online
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Why do I need landlord insurance?

Do I need contents insurance for my let property?

Can I claim if my tenants default on payments?

I own several properties. Can I insure them all at once?

I’m a live-in landlord. Do I need insurance for lodgers?

Why do I need landlord 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.


Do I need contents insurance for my let property?

That depends. If you are renting an unfurnished property then you only need buildings insurance. However, if you are letting a furnished or part-furnished property then you should insure your contents. Your tenants should have their own insurance for personal belongings and furniture that they keep at the property.


Can I claim if my tenants default on payments?

HomeProtect Landlords Buildings insurance includes cover for loss of rental income if something happens to the let property and it becomes uninhabitable causing your tenants to move out, so you could claim if you need to. However, you can also take out additional cover in the form of our Landlord Rent Guarantee. This protects you against failed rent payments, and can support you when evicting non-paying tenants whilst protecting your rental income up to a maximum of £2,500 per month.


I own several properties. Can I insure them all at once?

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.


I’m a live-in landlord. Do I need insurance for lodgers?

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 landlord insurance so that your lodger is factored into your cover.