Your property is an investment. Protect it like one.

In the UK, landlords are not legally required to have specific insurance by law, but several types are strongly recommended to protect their properties and mitigate risks: Landlord Building Insurance, Landlord Contents Insurance, Landlord Liability Insurance, Rent Guarantee Insurance, and Legal Expenses Insurance.

Costs can vary widely based on several factors: risk assessment, coverage options, claims history, property type, property rebuilding value, unoccupied periods, rental income and market conditions. It's worth shopping around and comparing quotes to find the most suitable and cost-effective policy for your specific property.

Yes, many landlord insurance policies offer coverage for loss of rent as an optional or included feature. This protects landlords from financial loss if their rental property becomes uninhabitable due to an insured event, such as fire, flood, or other structural damage.

Yes, we have policies that can cater for landlords with multiple properties, which can often result in discounted premiums from insurers for insuring more than one property.

Yes, we can find policies suitable for different tenant types, though there are often different premiums charged depending on tenant type.

Damp issues in a rental property are often considered a maintenance or structural issue rather than an insurable risk. Landlord insurance policies typically do not cover damage caused by damp or condensation.

We have a variety of payment options including credit/debit card, bank transfer and direct debit options. Your Insurance Specialist will discuss these with you.

Although it's not a requirement on most policies for buildings and contents, it's generally good practice to do references on your tenants for additional peace of mind. For legal expenses and rent guarantee policies, it's often a prerequisite to have satisfactory references before granting a tenancy agreement.

Some policies will require you to carry out regular inspections of your rented property. The frequency varies, and these inspections are requested by the insurer to make sure your property is being maintained and your tenants aren't carrying out illegal or unauthorised activities.

This covers employers against liabilities arising from employee injuries or illnesses sustained during work. Landlords who hire staff for property management or maintenance might need this insurance — it's a legal requirement if you employ anyone at your rental property.

Yes, most policies offer a reduced premium for taking an increased excess.

Landlords building insurance, also known as landlord property insurance, typically covers the structure of the property against a range of risks and perils such as fire, flood and escape of water.