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Like a standard home insurance policy, landlord or buy-to-let insurance protects you as a property owner financially when letting or renting out a property. The risks of inviting tenants to live in your unoccupied property are higher than simply living in a property yourself. It’s important to have landlord insurance for protection.
Landlord insurance covers you from accidental damage to your property structure or contents. You can also opt for possible legal cover if you get into a dispute with your tenants. Since you’ve invested in your property, landlord insurance helps you cover the cost to protect it.
Your home insurance policy is unlikely to cover your rental property. Therefore, we suggest you have the right landlord insurance before your tenants move in. While it's not a legal obligation, a mortgage provider for buy-to-let mortgages may require you to have landlord insurance.
If something goes wrong in the rental property or there are contract disputes, you'll be liable for the entire bill if you do not have landlord insurance. Landlord insurance is a more specialist product than standard home insurance. Therefore it can be specific with the cover you need, enabling you to tailor the policy to your property and needs.
The cost of landlord insurance depends on many things. 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 various landlord insurance quotes. Do it easily via Quote Goat. You only need to provide your details once, and our partners will help you find affordable landlord insurance that suits your needs.
Every property and landlord is different, resulting in different policy prices. However, there are a few things you can do to lower your insurance premium and find cheaper landlord insurance offers.
Go big on security: Install the latest security locks, fit burglar alarms, and even opt for CCTV on the property. These measures will deter thieves and show the insurance provider that you take security seriously. It should also help your tenants feel safe while living on your property.
Pet-free property: Allowing your tenants to keep pets in a furnished property will increase your landlord's contents cover premiums. The risk of scratch marks and carpet stains is much higher with furry friends around, so consider making your property pet-free for a lower landlord's contents insurance premium.
Increase your voluntary excess: This works on all insurance premiums, including car or home insurance policies. You can choose the level of voluntary excess you pay. Increasing this will bring the cost of the premium down. However, don't make it so high that it becomes unaffordable for you if you need to claim compensation costs!
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: Of course, one of the best ways to find budget landlord insurance deals is to compare landlord quotes via Quote Goat.
Landlord buildings cover protects your property from damage to the building. This could be fire or water damage, a leaking roof, or storm damage. Buildings insurance can also cover additional damage, such as vandalism or malicious damage. Most policies also cover fixed bathroom fittings, including toilets and baths.
Via Quote Goat, you can swiftly compare landlord building insurance from various providers and find the best deal for your budget.
Often sold alongside building insurance, contents insurance 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 damage cover, which includes breakages and spillages.
The provider and level of insurance determine what's covered in your policy. These will all be documented in your policy documents.
Here is a quick run-through of common aspects landlord insurance covers:
Additional cover to consider:
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Yes, landlord insurance is available for various types of rental properties, including:
Policies can be tailored to the specific needs of your property. Choose Quote Goat as your go-to landlord insurance comparison tool and easily get bespoke quotes from multiple insurance providers.
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