Landlord Insurance

Not all landlord insurance is the same. Ours has been created by experts in the insurance and property fields.

Our product provides cover for loss or damage caused to your rental property by standard and industry-specific perils. All landlords should insure their buildings and contents with specialist cover to protect their investments.

Landlord Insurance

The widest Landlord Insurance available as standard

Defaqto has rated our cover 5 Star, and it’s no surprise why - Our award-winning policy includes 40 essential covers as standard for all landlords. For this reason, we feel that we offer the best insurance available and the widest cover for your rental property.

Landlords are essential in providing the homes that much of the country needs, but letting homes to tenants presents unique risks to investors. We want to work with landlords to protect their investments

Our product was created to provide the widest cover on the market as standard, so that you don't need to worry about hidden costs or sneaky add-ons. With Just Landlords, you can rest assured that your property will benefit from our 40 essential covers as standard - the widest cover available.

There are many things you need to think about as a landlord - from legislation to tax changes to new regulations - let us take care of your Landlords Insurance with our 5 Star rated cover!

Rated 5 Star by Defaqto since 2011

Our market-leading policy has been created by experts in the insurance and property fields. This means that we can be certain of our ability to provide the best Landlord Insurance product on the market.

It couldn't be easier to get a quick quote for our Landlords Insurance:

Defaqto 5 Star rated Landlord Insurance

0% APR

Interest Free Direct Debit over 12 Months

Keeping on top of your payments couldn't be easier thanks to our Direct Debit system.
Choose to pay by Direct Debit for both new business and renewals.

Are we the Best Landlord Insurance Provider?

Just Landlords is committed to providing the best possible protection for your property

  • 5 Star Defaqto Rated since 2011
  • One of the Highest Ratings on Trustpilot in the Industry
  • 40 Essential Covers as Standard
  • 0% APR Interest Free Direct Debit over 12 Months
  • Accidental Damage Cover Included FREE of Charge
  • Malicious Damage by Your Tenants Cover Included FREE of Charge

Our 40 Essential Covers

  • Full Accidental Damage Cover
  • Fire
  • Lightning
  • Earthquake
  • Explosion
  • Storm
  • Weight of Snow
  • Flood
  • Escape of Water
  • Escape of Oil
  • Theft or Attempted Theft
  • Riot
  • Malicious Damage
  • Terrorism
  • Collision by Aircraft, Animals or Vehicles
  • Falling Trees, Branches, Lampposts and Telegraph Poles
  • Breakage or Collapse of TV Aerials and Satellite Equipment
  • Subsidence, Landslip or Heave

Plus even more cover, as standard, for:

  • Malicious Damage by Your Tenants
  • Theft or Attempted Theft by Your Tenants
  • Landlord Contents for Curtains, Carpets and White Goods
  • Nest Removal
  • Underground Services
  • £1,000,000 for Loss of Rent/Alternative
  • Trace and Access
  • Unauthorised Alternations Including Drug Factories
  • Additional Expenses and Fees
  • Replacement Locks
  • Landscaped Gardens
  • Fire Extinguishers
  • Unauthorised Use of Services
  • Emergency Access
  • Closed Circuit TV
  • Fly Tipping/Abandoned Contents
  • Buyers’ Benefit When You are Selling
  • Index Linking to Protect You
  • £5,000,000 Property Owners’ Liability
  • £5,000,000 Legal Liability as Occupier or Landlord
  • £5,000,000 Defective Premises Act 1972
  • £10,000,000 Accidents to Domestic Staff

Our Landlords Insurance includes essential covers that some other providers simply don’t want to offer – and we don’t charge any more for them. These 40 essential covers are included with each and every one of our tenanted policies.

If you compare Landlord Insurance from various providers, we believe you’ll be impressed with the level of cover we offer. Our policy offers you peace of mind and financial protection.

If your current policy doesn’t offer what we consider to be essential covers, can you really say that your property is adequately protected?

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What is Landlord Insurance?

Landlord Insurance covers the cost of damage to your property and protects your investment from a host of perils.

Specialist Buildings and Contents Insurance is available for landlords letting a property. Our insurance covers the cost of repairing or rebuilding your property if it is damaged. Our 40 essential covers start with the basics, but include protection against loss caused by industry-specific perils, such as malicious damage by your tenant.

Contents Insurance covers the furniture, fixtures and fittings that could be taken out of the property, such as carpets, curtains and white goods. Although you are likely to take a deposit from the tenant to cover any charges for repairing or replacing your contents, it may not be sufficient. Taking out Contents Insurance ensures that you can bring the property back into use if its furniture, fixtures and fittings are damaged or stolen.

We come highly recommended by our landlords:

“I couldn’t find anything that gave me as good a cover for anywhere near the same price.” – Jacky

“Would recommend to anyone looking for Landlord Insurance” – Jennifer

Why is our Landlord Insurance Different?

We always want to make sure that you have peace of mind and financial protection, so we offer 40 essential covers to all landlords.

Starting with the basics – such as fire, storm, flood and escape of water – we also provide protection against loss or damage caused by a host of perils you may not actually have thought you needed – but, in our experience, you may do – or you may have thought all providers offered, which they do not always do.

We are proud of the service, cover and policy we have designed and offer. It has been constantly adapted over the years to ensure you receive great value for money.

Look at your current Landlords Insurance policy – does it provide the same cover as we do? We believe that we offer the best Landlord Insurance for your property.

The Importance of Landlords Insurance – Why you Might Need Both Buildings and Contents Insurance

Whenever you buy a property, it is paramount that you protect the bricks and mortar against loss or damage – this is covered by a Buildings Insurance policy. Looking at the list of covers above, you will see a whole host of perils that your property can be protected against under our Landlords Insurance, such as accidental damage, fire and theft.

While ensuring that the property you’ve invested in is covered against these perils, it is also important to consider the contents inside the property that you own. A Contents Insurance policy covers anything that you provide inside the property, such as furnishings. A good way to identify the contents is to imagine flipping the property upside down – anything that fell down would be covered by Contents, rather than Buildings, Insurance.

Suffering loss or damage to any part of your property could be detrimental to your lettings business, so having both types of cover in place will prevent damage to your pocket!

Do I Need Landlord Insurance?

All landlords that want to cover the cost of damage to their property and protect their investment from a host of perils should take out Landlord Insurance.

And, what’s more, in today’s blame-and-claim society, you especially need Liability Cover to protect you from any accidents happening at your property.

Just as you’d insure your own home, Landlord Insurance protects your rental property. If you rent out a property that you do not live in, it won’t be covered by your home insurance.

Buildings and Contents Insurance for your investment enable you to rest assured that your property is protected. Just Landlords can cover both the structure of your property and any contents you provide.

Our Landlords Insurance policy gives you the widest cover on the market.

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What does our cover include?

To ensure your peace of mind and financial protection, we offer 40 essential covers to all of our landlords.

We include the basics – such as fire, storm and flood cover – but we also provide protection against loss or damage caused by a host of perils.

Check your current policy, does it provide cover against the following?

– Malicious Damage Caused by Your Tenant
– Theft or Attempted Theft by Your Tenant
– Unauthorised Alteration for when the Premises are Changed
– Cover for Carpets, Curtains and White Goods
– £1,000,000 Cover for Loss of Rent when the Property is Uninhabitable

We believe that we offer the best cover for your property.

No add-ons, no Direct Debit charges,

Just Landlords


It is not a legal requirement that landlords have Landlord Insurance in place to protect their rental properties. However, you must be aware that a standard home insurance policy will not cover your property when it is used for rental purposes.

You must also be aware that your mortgage lender may require you to have Landlords Insurance in place before you can let to tenants – if you do not, you may be breaching your mortgage terms.

Furthermore, if somebody is injured in your property and you’re found to be legally liable, you will need Property Owners’ Liability and Legal Liability as Occupier or Landlord cover – both are included as standard with Just Landlords.

A Landlords Insurance policy covers your property against risks related to your investment. At the very least, you should consider Buildings cover and Property Owners’ Liability insurance, which can protect your property against loss or damage and your own legal liability as the owner of the property. Contents cover will protect the items that you’ve provided as a landlord for the property, such as furniture or white goods.

Many Landlord Insurance providers will give you the option to add on certain essential covers to your policy, such as accidental damage or loss of rent. We include these as standard to ensure that you have all the covers you may need as a landlord.

In order to protect yourself and your property, it’s crucial that you have Buildings Insurance at least – our policy covers your legal liability as the owner of the property, as well as free cover for your contents provided with the Buildings.

This Landlord Insurance policy includes 40 essential covers as standard, so that you don’t need to worry about being covered.

If you’re worried about your tenants falling into rent arrears, you may also want to think about taking out Rent Guarantee and Legal Expenses Insurance. This is a peace of mind cover that protects your rental income against tenant rent default and the cost of evicting a non-paying tenant.

As a homeowner, you are not legally required to have home insurance – the same is the case for tenants. Your tenants are not legally obliged to protect their belongings in your property, and they won’t be covered by your own Landlord Insurance policy.

It’s important that your tenants understand the importance of protecting their personal contents, as these won’t be covered by your Contents cover in the event of loss or damage.

It is, however, within your rights as a landlord to write into the tenancy agreement that your tenants must have their own insurance to protect their liability as a tenant for accidental damage to your property. You can add this requirement as a clause and explain the reason for this when your tenant comes to sign the contract.