Landlord Insurance

Help protect your investment with the 40 covers included in our 5 Star Defaqto rated insurance.
Get a quote today.
Defaqto 5 Star rated Landlord Insurance

Included covers with our Landlord Buildings Insurance:

  • Accidental Damage
  • Malicious Damage by Your Tenants
  • Landlord Contents
  • Theft by Your Tenants
  • Unauthorised Alterations

Pay by interest-free Direct Debit over 12 months - Learn More

What is landlord insurance?

Landlord insurance is cover for the cost of damage to your property and safeguards you from financial loss. It is specifically designed insurance for landlords and helps protect against the financial burdens associated with letting a property such as loss of rent, damage by tenants and unauthorised alterations.

Residential landlords can benefit from specialist buildings cover and contents cover. Both of these are included in a comprehensive policy.

What is covered by landlord insurance?

Our Landlord Insurance policy includes 40 covers as standard. With our insurance, you and your property can benefit from the following protection:

Accidental Damage
Weight of Snow
Escape of Water
Theft or Attempted Theft
Malicious Damage
Collision by Aircraft, Animals or Vehicles
Breakage or Collapse of TV Aerials and Satellite Equipment
Malicious Damage by Your Tenants
Theft or Attempted Theft by Your Tenants
Landlord Contents for Curtains, Carpets and White Goods
Nest Removal
Underground Services
Loss of rent/alternative accommodation (up to £1,000,000)
Trace and Access
Unauthorised Alternations Including Drug Factories
Additional Expenses and Fees
Replacement Locks
Landscaped Gardens
Escape of Oil
Falling Trees, Branches, Lampposts and Telegraph Poles
Subsidence, Landslip or Heave
Fire Extinguishers
Unauthorised Use of Services
Emergency Access
Closed Circuit TV
Fly Tipping/Abandoned Contents
Buyers’ Benefit When You are Selling
Index Linking
Property owners’ liability (up to £5,000,000)
Legal liability as occupier or landlord (up to £5,000,000)
Defective Premises Act 1972 (up to £5,000,000)
Accidents to domestic staff (up to £10,000,000)

Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.

How is Just Landlords different?

We want to make sure that we account for as many risks as we can, which is why 40 covers are included with our Landlord Insurance as standard.

Starting with the basics – such as fire, storm, flood and escape of water – we also provide protection against loss or damage caused by a range of incidents that you may not have been aware of, or assumed that all insurers offered, which isn’t always the case.

There are many options when it comes to landlord insurance, and not all are the same. The covers included in our policy provide protection against loss or damage caused to a rental property by both standard and industry-specific hazards.

Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.

What our customers say

With over 900 reviews on Trustpilot, we are rated as 'Excellent'*. Many reviews from our customers state how happy they are with our insurance product and the functionality of the website. Our team has also been provided with highly positive feedback about the customer service they provide.

From receiving quotes to making queries with our team, many have been left extremely satisfied with our service.

*correct as at November 2020

What the insurance professionals say

Our insurance policy has been rated 5 Star by Defaqto, the finance experts. Their team has analysed and rated our Landlord Insurance, in order to help you make a more informed decision. Since 2011, we have been awarded Defaqto’s highest rating.

Defaqto 5 Star rated Landlord Insurance

Here are some of our frequently asked questions:

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 may 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 landlord 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 may benefit from cover for property owners’ liability and legal liability as occupier or landlord. Both are included as standard with our buildings cover.

The cost of each policy varies, based on your level of cover, location and a number of other factors that we use to assess your level of risk. We would always recommend that you compare landlord insurance policies to ensure that you are getting suitable cover and value for money for your property.

Our insurance policy offers 40 covers as standard.

In order to help protect yourself and your property, it’s crucial that you consider having buildings insurance at least. Our policy covers your legal liability as the owner of the property, as well as including £5,000 worth of cover for carpets, curtains, blinds and white goods when the building is tenanted*.

This policy includes 40 covers as standard for landlords.

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 cover that helps protect your rental income against tenant rent default and the cost of evicting a non-paying tenant.

If you have an unoccupied property, get a quote for unoccupied property insurance cover.

*Policy limits and exclusions may apply, please see the policy wording for full terms and conditions

The best landlord insurance can be subjective, but we have found that our product includes covers that other insurers may charge extra for or not offer at all.

If you compare landlord insurance quotes from various providers, we believe you’ll be impressed with the level of cover we offer.

Landlord buildings Insurance covers the cost of repairing or rebuilding your property if it is damaged. Our 40 covers include protection against loss caused by industry-specific perils, such as malicious damage by tenants. We also include cover against unauthorised alterations, including those carried out if the premises are used as an illegal drug farm.

Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.

Contents insurance covers the furniture, fixtures and fittings that could be taken from the property. 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 helps ensure that you can bring the property back into use if the furniture, fixtures and fittings are damaged or stolen.

One way to identify what counts as contents is to imagine flipping the property upside down – anything that falls down can be covered by contents insurance, rather than buildings insurance.

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, but they won’t necessarily be covered by your own policy.

Your tenants should understand the importance of protecting their personal contents as well as those owned by the landlord, as these won’t necessarily be covered by your contents cover in the event of loss or damage.

As a landlord, you do not have the right to write into the tenancy agreement that your tenants must have their own insurance. However, you can advise that it is wise to protect their liability as a tenant for accidental damage to your property. You can explain the reasons for this when your tenant comes to sign the contract.

We provide policies that accommodate landlords with any size property portfolio. Those with portfolios consisting of up to 100 properties can obtain a quote on our website. If you have a portfolio consisting of more than 100 properties, you can obtain a quote by calling us (0808 168 9220) or getting in touch by email (

You will be offered one policy that can provide a mixture of Landlord Insurance, UK Holiday Home Insurance, and Unoccupied Property Insurance.

Visit our How to Make a Claim page for full information.

What do I do if I get a call asking for my bank details and I don’t think it is a legitimate call from Just Landlords? To help prevent fraud, before taking payment over the phone (for example at renewal or for additional premiums) we will always validate with you information that we hold on file; information that only you would know. This information could include your address or specific policy details.

We can confirm that, when processing a refund, we will not request bank details or card information over the phone. Any refund we provide will only be for one of three reasons:

  1. overpaid funds
  2. a reduction in your cover
  3. cancellation

We will never request sensitive information, such as passwords, usernames or a mother’s maiden name.

If you receive a phone call and are unsure it is from us, you can always call us to verify we are who we say we are. Please call your usual contact or call us on 0808 168 9220

If you did not find the answer to your question in our FAQ section, contact us for more information:

Just Landlords is a trading name of Arthur J. Gallagher Insurance Brokers, which is authorised and regulated by the Financial Conduct Authority (FCA).

Other Links

  • Gallagher - Just Landlords is a trading name of Arthur J. Gallagher & Co. Group of companies.