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Do You Need Landlord Insurance If Your Tenant Already Has Business Insurance?
When letting out a commercial property, some landlords assume that if a tenant holds business insurance, it covers all risks. In reality, commercial…
LandlordInsurance
Landlord Insurance
Buildings, contents and liability cover for rental properties, from a single buy-to-let to a full portfolio.
Buildings, contents and liability cover for rental properties, from a single buy-to-let to a full portfolio.
Buildings coverLoss of rentOwners’ liability
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is landlord insurance?
Landlord insurance is a specialist policy for properties you rent out. It combines buildings cover for the structure, contents cover for anything you provide, and property owners’ liability if a tenant or visitor is injured.
Standard home insurance usually excludes tenanted property, letting on a home policy can invalidate the cover at the worst possible moment.
The right landlord cover depends on:
Property type and tenancyFreehold or leaseholdTenant type and occupancyRebuild cost, not market valueRental income at riskPortfolio size
Start with your property type
Most landlords fall into one of two groups, letting homes to private tenants, or letting premises to businesses. The cover differs, so start with whichever matches your property.
More ways to find the right cover
More ways to find the right cover
Some landlords need cover built around a specific situation rather than a property type, a mortgaged buy-to-let, an HMO licence, a block of flats or a property standing empty.
Some landlords need cover built around a specific situation rather than a property type, a mortgaged buy-to-let, an HMO licence, a block of flats or a property standing empty.
Buy-to-Let
For mortgaged rental properties where your lender requires buildings cover.
HMO Properties
For houses in multiple occupation, including licensable HMOs.
Property Developers
For new builds, conversions, renovations and projects in progress.
Cover for mixed-use property owners
From residential flats above shops to buildings combining offices and retail.
The right cover depends on:
Property layout and useResidential and commercial tenantsType of businesses operatingBuilding constructionRental incomeProperty occupancy
How the quote process works
How the quote process works
Simple steps. Expert advice on the cover your property actually needs.
Simple steps. Expert advice on the cover your property actually needs.
1
Tell us about your property
Type, location, tenancy and whether it’s let or empty.
2
Set your rebuild cost
Cover should reflect rebuild cost, not market value.
3
We compare specialist insurers
We search our panel of specialist landlord insurers.
4
Get covered and get your documents
Receive your policy documents, usually the same day.
We're with you all the way
UK-based specialist advisersAccess to specialist insurersNo obligation, just expert helpTrusted by thousands of businesses across the UK
Trusted by thousands of businesses across the UK
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
From everyday business insurance to complex specialist cover, our customers trust Insurance Revolution to find the right protection and provide expert support when it matters.
Landlord insurance guides
Landlord insurance guides
Practical advice on cover, tenancies and protecting rental income.
Practical advice on cover, tenancies and protecting rental income.
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Landlord Insurance Claims: What to Do When Tenants Cause Damage or Rent Goes Unpaid
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Landlord Insurance Mistakes: 5 Things UK Property Owners Get Wrong
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Landlord Insurance UK: What Every Buy-to-Let Owner Needs to Know
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Top Landlord Insurance Claims And How To Prevent Them
Most landlord insurance claims follow familiar patterns. But the emerging pattern in 2025-26 is how often they happen and how much they cost. Rising…
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What Commercial Landlord Insurance Actually Covers: From Fires to Tenant Lawsuits
When owning a commercial property, arranging the right commercial landlord insurance can help protect both the building and your business interests.…
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Why Hidden Risks Can Cost Landlords Thousands
Many landlords think they are covered because they hold a general business or property policy. But commercial property insurance is designed to…
Landlord insurance FAQs
Landlord insurance FAQs
Straight answers on what’s required, what’s covered and what affects cost.
Straight answers on what’s required, what’s covered and what affects cost.
Landlord insurance is a specialist policy for properties you rent out. It combines buildings cover for the structure, contents cover for anything you provide, and property owners’ liability if a tenant or visitor is injured.
Still have questions?
Our advisers are here to help you find the right solution.