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Like standard home insurance, landlord or buy-to-let insurance protects you financially when renting or letting your property. The risks of inviting tenants to live in your property are higher than simply living in a property yourself. Hence, landlord insurance covers you from damage to the building or your contents and possible legal protection if you get into a dispute with your tenants. Common risks include fire, flooding, burst pipes, storms, and boiler breakdown. Essentially, you’ve invested in your property, and landlord insurance helps you to protect that investment.
We may be biased, but as your home insurance policy is unlikely to cover your rented property, we think it's vital to ensure you have landlord insurance before your tenants move in. While it's not a legal requirement, most lenders for buy-to-let mortgages will require you to have landlord insurance. If you opt not to, and something goes wrong in the property or with the contract, you'll be liable for the entire bill, which could be hefty. Landlord insurance can also be specific with the cover you need, as it's a more specialist product than standard home insurance, enabling you to tailor the policy to your property and your needs.
The cost of a landlord insurance policy varies depending on many things, such as your claims history and the level of cover you need. Here's a quick breakdown of the key price influencers on a landlord insurance policy:
The best way to find a reasonable price for your policy is to compare landlord insurance quotes online. Do it easily with our online form; enter a few details, and up to 5 insurance providers will provide you with tailored quotes. Using us makes it easy to compare quotes as you only need to provide your details once.
Although every property and every landlord is different, resulting in different policy prices, there are a few things you can do to try and make your insurance premium lower.
Go big on security. Install the latest security locks, fit burglar alarms, and even opt for CCTV on the property. These will deter thieves and show the insurance provider that you take security seriously. It should also help your tenants feel safe while living in your property.
Pet-free property. Allowing your tenants to keep pets in the property will increase contents insurance premiums. The risk of scratch marks and carpet stains is much higher with furry friends around, so consider making your property pet-free.
Increase your voluntary excess. This works on all insurance premiums. You can choose the level of voluntary excess you pay, so increasing this will bring the cost of the premium down. Don't make it so high that it becomes unaffordable for you if you need to claim!
Know your tenants. Bringing a new tenant into the property is always risky, so ensure thorough referencing checks before anyone moves in.
Keep it occupied. Insurance providers view empty properties as high risk, so ensure your property never sits empty to keep your premium down. Vacant properties are also expensive on council tax.
Compare, compare, compare. And, of course, the best way to get a cheap deal on landlord insurance is to compare quotes through Quote Goat!
Landlord's Building Insurance
Buildings insurance protects your property from damage to the building. This could be fire or water damage, a leaking roof, or storm damage. It can also cover additional damage such as vandalism or malicious damage. Most buildings' policies also cover fixed bathroom fittings, including toilets and baths.
Landlord's Contents Insurance
Often sold alongside buildings insurance, this is typically for landlords who rent their properties full or part-furnished. It covers carpets, curtains, white goods, TVs, furniture and even crockery and china. You can also opt to add on accidental cover, which includes breakages and spillages. However, landlord's contents insurance doesn't cover tenants' belongings. They will need to purchase their own contents insurance too.
The provider and level of insurance determine what's covered in your policy, and will all be documented in policy documents.
Here is a quick run-through of commonly-covered items in landlord insurance:
Optional extras:
