The building you let
Consider the full rebuild value, construction and claims history. Tell us if there are multiple occupancies or unusual arrangements.
Specialist UK insurance broker
Landlord Insurance
One property or a portfolio.
A broker who listens.
Cover for let properties, with advice on the building, landlord’s contents and unusual tenancy arrangements. Tell us how each property is used so the insurance fits.
Personal advice · Mon–Fri, 9am – 5.30pm
UK teamSpeak to a property insurance specialist
Independent reviews
FCA regulatedProperty Expert Ltd · FRN 615253
What is landlord insurance?
Landlord insurance is designed for property that is let to tenants. The Home Insurer arranges buildings cover and optional landlord’s contents and other extensions from a limited panel, with quotations that take account of occupancy, tenancy arrangements and the property’s construction and history.
Your contents & extensions
Ask about landlord’s contents, legal expenses and home emergency options. The tenant’s own possessions are a separate responsibility.
Property portfolios
Discuss several properties together, with an accurate schedule of addresses, values, occupancy and renewal dates.
Cover is subject to underwriting, policy terms, limits, conditions and exclusions. Your quotation and policy documents confirm what is included.
Before we talkThe details that help
The details that help
us get it right.
- The property address, construction, rebuild value and claims history.
- How the property is let, including subletting, rent-to-rent or short stays.
- Any landlord-owned contents and additional cover required.
- Vacancies, renovation plans and details of each property in a portfolio.
Letting arrangements need to be clear
An insurer needs to understand how the property is occupied and the arrangement under which it is let. Tell us about short stays, multiple households, subletting and managing agents. We can discuss non-standard situations with specialist insurers. If occupancy changes, contact us so the policy can be reviewed.
Check the cover, not just the price
Loss of rent following insured property damage is different from a rent guarantee for tenant non-payment. The Home Insurer does not offer rent guarantee insurance. Check any loss-of-rent provision, legal expenses and emergency cover separately.
Cost & comparisonWhat affects
What affects
your premium?
The rebuild value, construction, tenancy and occupancy arrangements, claims history and selected extensions affect the price. For a portfolio, compare the cover and excesses at each address as well as the combined premium.
Send us your renewal terms if you have them. We can compare the cover, excesses and conditions with the options available through our panel and explain our recommendation.
People you can speak to
Tom Chapman
Head of Sales · The Home Insurer
Our team can look at one let property or a portfolio, explain available extensions and discuss risks such as vacancy, renovation or flood history. Give us the occupancy details for every address.
Talk to our team on 01832 735388A little clarityYour questions,
Your questions,
answered.
Something specific to your property?
Talk it through with us.
Can I use ordinary home insurance for a rental property?
A policy arranged for your own home may not permit letting. Tell the insurer how the property is occupied and obtain confirmation of appropriate cover. We can discuss landlord policies.
Can you consider rent-to-rent or short-term letting?
We can discuss these arrangements with specialist insurers. Explain the full letting chain, occupancy and management responsibilities. Cover must be agreed for the actual use.
Does landlord insurance cover unpaid rent?
Do not assume so. Loss of rent after insured damage and rent guarantee for non-payment are different protections. The Home Insurer does not offer rent guarantee insurance.
Can I arrange insurance for a portfolio?
Yes, our team can discuss multiple properties. Prepare a schedule with each address, rebuild value, occupancy, claims history and renewal date. Ask for the landlord fact find if that would help.
What happens between tenants?
Tell us about a vacancy and how long it is expected to last. Your policy may set limits or conditions for empty periods. Specialist unoccupied cover may be appropriate.
Let’s talk about
the cover you need.
Tell us about your property and we’ll help you understand the options available.