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Does the type of tenant I rent my property to affect the price of my residential let insurance?
The simple answer, unfortunately, is yes. Rightly or wrongly, insurers and underwriters tend to view DSS, asylum seeker and student tenants as a…
Residential LandlordInsurance
Residential Landlord Insurance
Buildings, contents and liability cover for houses, flats and maisonettes let to private tenants.
Buildings, contents and liability cover for houses, flats and maisonettes let to private tenants.
White goods & carpetsLoss of rentOwners’ liability
Compare from 20+ Trusted Insurers
Speak to a specialist 0330 027 0996
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What is residential landlord insurance?
Residential landlord insurance covers property you let to private tenants. It combines buildings cover for the structure, landlord contents 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 point you need it.
The right residential landlord cover depends on:
House, flat or maisonetteFreehold or leaseholdTenant type and tenancy lengthRebuild cost of the propertyAnnual rental incomeNumber of properties let
Is residential landlord insurance right for your property?
Is residential landlord insurance right for your property?
If you let a house, flat or maisonette to private tenants, this is the cover built for you, including family lets, student lets and properties you once lived in yourself.
If you let a house, flat or maisonette to private tenants, this is the cover built for you, including family lets, student lets and properties you once lived in yourself.
Single Buy-to-Let
One property let to a private tenant on an assured shorthold tenancy.
Flats & Leasehold
Where the freeholder insures the block and you cover contents and liability.
Furnished Lets
Properties let with white goods, carpets and furnishings you own.
Family & Friend Lets
Letting to relatives is still letting, a home policy generally won’t apply.
Student Lets
Properties let to students, often with higher turnover and shared occupancy.
Property Portfolios
Landlords letting several residential properties under one policy.
What could put your rental property at risk?
What could put your rental property at risk?
Escape of water and fire cause most residential landlord claims, with tenant-related damage and liability for injuries close behind.
Escape of water and fire cause most residential landlord claims, with tenant-related damage and liability for injuries close behind.
How could a claim affect your property?
How could a claim affect your property?
A single incident can leave a property uninhabitable and stop your rent. Here are four common scenarios and the cover that would typically respond to each.
A single incident can leave a property uninhabitable and stop your rent. Here are four common scenarios and the cover that would typically respond to each.
Fire
A fire damages the property and your tenant has to move out.
What cover may respond?
Buildings + Loss of Rent
Escape of Water
A burst pipe damages the structure and the tenant’s belongings.
What cover may respond?
Buildings + Property Owners’ Liability
Storm Damage
Severe weather damages the roof and the property is uninhabitable.
What cover may respond?
Buildings + Loss of Rent
Visitor Injury
A tenant or visitor is injured by something at the property.
What cover may respond?
Property Owners’ Liability
Who needs residential landlord insurance?
If you let a property to private tenants, a standard home policy generally won’t cover you, and a buy-to-let lender will usually require buildings cover as a condition of the mortgage.
This cover may be suitable for:
First-time buy-to-let landlordsOwners letting a flat or houseLetting your former homeOwners of furnished rentalsLandlords with multiple propertiesOwners letting to studentsCover built around your rental property
Cover built around your rental property
Most residential landlords combine buildings cover with property owners’ liability and loss of rent, then add contents cover if the property is furnished.
Most residential landlords combine buildings cover with property owners’ liability and loss of rent, then add contents cover if the property is furnished.
Buildings Insurance
Protection for the structure, fixtures and permanent fittings, set to full rebuild cost.
Property Owners’ Liability
Protection if a tenant or visitor is injured at your property.
Loss of Rent
Helps replace rental income if the property becomes uninhabitable after an insured event.
Landlord Contents
Cover for white goods, carpets, curtains and furnishings you provide.
Rent Guarantee
Covers unpaid rent and the legal costs of recovering possession if a tenant defaults.
Legal Expenses
Additional legal protection for tenancy disputes and possession proceedings.
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 furnished.
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.
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.
Residential landlord insurance guides
Residential landlord insurance guides
Practical advice on tenancies, rebuild costs and protecting rental income.
Practical advice on tenancies, rebuild costs and protecting rental income.
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From Burst Pipes to Missed Rent: What Residential Landlord Insurance Really Protects Against
Owning rental property in the UK can bring both steady income and unexpected problems. From leaking pipes to unpaid rent, landlords face many risks…
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Residential vs Commercial Landlord Insurance: Which One Fits Your Property?
When renting out property, choosing the right landlord insurance is about more than just ticking a box. Whether you let a flat, house, shop or…
Residential landlord insurance FAQs
Residential landlord insurance FAQs
Straight answers on what’s required, what’s covered and cost.
Straight answers on what’s required, what’s covered and cost.
It’s a specialist policy for property let to private tenants, combining buildings cover for the structure, landlord contents for anything you provide, and property owners’ liability.
Still have questions?
Our advisers are here to help you find the right solution.