Landlord Insurance
Whether you own hundreds of properties or just one, we'll help you find the best coverage and the most affordable rates. Let us give you a quote and start saving money today!
What Is Landlords’ Insurance?
Landlords’ insurance is a policy designed to protect property owners from financial loss related to rental properties. It typically covers the structure of the building and can optionally include any contents owned by the landlord inside the property. Sometimes referred to as
buy-to-let insurance, this is actually one type of landlords’ insurance, primarily for properties purchased with a buy-to-let mortgage. If you own multiple rental units, multi-property insurance may be more appropriate, offering coverage across two or more properties under one policy.
What Does Landlords’ Insurance Typically Cover?
While policies vary, most include protection against common risks such as:
- Fire, lightning, and explosions
- Storms and flooding
- Escape of water or oil
- Earthquakes and subsidence
- Theft and malicious damage
Optional add-ons may include:
- Accidental damage
- Malicious damage by tenants
- Rent guarantee insurance
- Legal expenses coverage
- Liability insurance
- Contents insurance
- Alternative accommodation costs
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It's important to note that landlords’ insurance does not cover tenant belongings. However, having liability coverage can help protect both landlords and tenants in the event of injury or property damage where the landlord is found legally responsible.
Contact us to learn more about the right landlords' insurance policy for your property.
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