Landlord Insurance UK: A Guide for Property Owners
Ordinary owner-occupier home insurance may not cover letting. Tell the insurer how the property is occupied and check the policy’s landlord-specific conditions.
Buildings and contents
Choose cover appropriate to the property and any furnishings supplied. Confirm who is responsible for fixtures, contents and communal areas.
Liability and rent-related options
Policies may offer property-owner liability or optional rent-related protections, each subject to definitions, limits, evidence and exclusions. These are not automatic.
Tenant and property changes
Tell the insurer about changes such as renovations, long vacancy, a change of tenant or letting arrangement, as required by the policy.
Questions to ask before arranging cover
What should I check before buying cover?
Read the policy wording and schedule, check exclusions, limits, excesses and the claims process, and ask the insurer or broker about anything unclear.
Does this page provide a quote?
No. This is general information, not a quote, recommendation or a statement that a particular policy is suitable.