Insurance In Focus

Landlord Insurance

Landlord Insurance

Landlord insurance, explained — from the policy wording to the claim

Cover for rented and let properties — what buildings and liability policies include, how rent guarantee and claims work, and what to do when something goes wrong with a tenancy.

Browse subhubs Read sample guides

Explore Landlord Insurance by topic

Each subhub answers specific questions for landlords and explains what the current market and regulator expect.

Buildings vs contents

What the structure cover includes and why contents matters for furnished lets.

Rent guarantee

Cover when tenants default, and the paperwork insurers expect first.

Landlord liability

Property owners' liability for injury and damage claims from tenants and visitors.

Emergency & boiler cover

Rapid repairs and heating cover for let properties between tenancies.

Unoccupied property

Why empty lets need different cover and the notice periods that apply.

HMO & multi-tenant

Cover for houses in multiple occupation and shared rental buildings.

Claims

How the claims process works and the evidence insurers expect.

Complaints & disputes

Challenging a rejection through the insurer and the Ombudsman.

Sample resources

Guides & analysis

Unoccupied property insurance for landlords

Standard cover often lapses on a property left empty. Understand why unoccupied homes need specialist insurance and the conditions that apply.

Landlord home emergency and boiler cover explained

Landlord home emergency and boiler cover pays for urgent repairs, separate from buildings insurance. Understand what it covers and the fair-value rules.

HMO and multi-tenant property insurance for landlords

HMO and multi-tenant lets need cover for shared spaces, licensing and landlord fixtures. Understand the policy a house in multiple occupation requires.

Landlord buildings vs contents insurance

A let property needs landlord buildings cover for the structure and, sometimes, contents for your own fixtures. See what tenants cover themselves.

Rent guarantee insurance for landlords

Rent guarantee insurance pays lost rent and often funds eviction. Understand what it covers, the conditions that decide a claim, and the waiting period.

Landlord liability insurance

Landlord liability insurance covers injury or damage to others at your property. Understand why it matters even for careful owners and what it pays.