StandardLandlord buildings + loss of rent
£24
per month
£288
per year (from)
Loss of rent: Up to 12 months
Excess: £250 standard
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Landlord insurance comparison
Compare landlord insurance covering buildings, contents and loss of rent for properties you let out — essential cover a standard home policy won't provide.
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StandardLandlord buildings + loss of rent
StandardLandlord buildings, single let
£22
per month
£264
per year (from)
Unoccupied periods: Up to 60 days
Non-standard construction: Accepted
Quotes sorted by indicative annual premium (low to high)
Prices shown are indicative UK market rates for comparison only. Your actual premium will depend on your property, location, claims history and level of cover.
What is landlord insurance?
Landlord insurance covers the buildings, and optionally contents, of a property you let to tenants, along with landlord-specific risks such as loss of rent, malicious tenant damage and legal expenses for disputes.
Standard home insurance policies exclude or invalidate cover once a property is tenanted, so a dedicated landlord policy is required as soon as you let a property out.
What are the benefits of landlord insurance?
Loss of rent cover
Replaces lost rental income if the property becomes uninhabitable after an insured event.
Tenant damage cover
Covers malicious or deliberate damage caused by tenants, which standard policies exclude.
Legal expenses cover
Helps with the cost of pursuing rent arrears or eviction through the courts.
What does landlord insurance include?
Buildings cover
The structure of the rental property against fire, storm, flood and escape of water.
Landlord contents
Furniture and appliances you provide in a furnished or part-furnished let.
Loss of rent
Rental income cover while the property is uninhabitable following a claim.
Malicious tenant damage
Deliberate damage caused by tenants, excluded from standard home policies.
Legal expenses
Cover for eviction proceedings and pursuing unpaid rent.
Landlord liability
Protection if a tenant or visitor is injured due to a property defect.
How does landlord insurance pricing work?
Premiums reflect the rebuild cost of the property, rental income level, whether it is let furnished or unfurnished, and the type of tenancy in place.
Portfolio landlords with multiple properties can often consolidate cover under one policy and renewal date, which usually reduces the average per-property cost.
Do you need landlord insurance?
Anyone letting out a residential property in the UK needs it, since standard home insurance is invalidated once a tenant moves in.
Mortgage lenders on buy-to-let properties typically require evidence of a valid landlord buildings policy as a condition of the loan.
How to choose landlord insurance
Check how many months of loss-of-rent cover are included, whether unoccupied periods between tenancies are covered, and if rent guarantee (covering arrears, not just an uninhabitable property) is available as an add-on.
How to save money on landlord insurance
Combining multiple rental properties under one portfolio policy, fitting approved security, and choosing a slightly higher excess typically reduce the annual premium. Screening tenants carefully also helps keep claims and future premiums down.
Related guides
These guides might help.
Sum insured vs bedroom rated cover
How buildings and contents insurers calculate what you need, and why underinsuring is a common costly mistake.
What voids a home insurance claim
Unoccupied periods, unreported alterations and lapsed alarms are among the most common reasons claims fail.
Renting out a property you used to live in
Why standard home insurance stops working the moment you get a tenant, and what to switch to instead.
FAQs
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Written by the Grow Your Business personal finance team