Landlord Insurance
Help protect your investment with the 40 covers included in our 5 Star Defaqto rated Landlord Insurance.
Our full policy covers:
What is landlord insurance?
Landlord insurance provides cover for the cost of damage to your rental property and safeguards you from financial loss. It is specifically designed insurance for landlords and helps protect against the financial burdens associated with owning a rental 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.
How is our Landlord Insurance different?
As a specialist landlord insurance provider, 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 – our Landlord Insurance covers 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.
Our landlord buildings insurance includes the following covers:
- Accidental damage
- Malicious damage by your tenants
- Landlord contents, including costs of up to £5,000 per incident
- Theft by your tenants
- Unauthorised alterations, including when the premises have been or are being used as a drug factory
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.
You can pay for our Landlord Insurance by interest-free Direct Debit over 12 months – click here to learn more.
Policy limits and exclusions may apply, please see our Landlord Insurance policy wording for full terms and conditions.
What our customers say
With over 1,000 reviews on Trustpilot, we are rated as ‘Excellent’*. Many reviews from our customers state how happy they are with our Landlord 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 May 2022
What the insurance professionals say
Our Landlord Insurance policy is rated 5 Star by Defaqto, the finance experts. Their team has analysed and rated our Landlord Insurance to help you make a more informed decision. Since 2011, we have been awarded Defaqto’s highest rating.
Our frequently asked questions about landlord insurance
Please note that these frequently asked questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.
Is landlord insurance legally required?
Landlords do not legally need 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.
Your mortgage lender may also 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 rental 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 the buildings cover of our Landlord Insurance*.
How much does landlord insurance cost?
Landlord insurance costs can vary per policy, 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 rental property.
Our policy offers 40 covers as standard. You can get a landlord insurance quote here.
What type of landlord insurance do I need?
To help protect yourself and your rental property, consider having buildings insurance at least. Our policy covers your legal liability as the owner of the property, as well as including up to £5,000 of cover for carpets, curtains, blinds and white goods when the building is tenanted*.
If you’re worried about your tenants falling into rent arrears, you may also want to think about taking out rent guarantee 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 empty property, you can get a quote for our Unoccupied Property Insurance cover.
What makes the best landlord insurance?
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.
What is landlord buildings insurance?
Landlord buildings insurance covers the cost of repairing or rebuilding your rental 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, such as those carried out if the premises are used as an illegal drug farm.*
What is contents insurance for landlords?
Contents insurance covers the furniture and household goods 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 with your landlord cover helps ensure that you can bring the property back into use if the furniture and household goods are damaged or stolen.
One way to identify what counts as contents is to imagine flipping the property upside down – anything that falls can be covered by contents insurance, rather than buildings insurance.
Can landlords require tenants to have insurance?
As a homeowner, you are not legally required to have home insurance and the same is the case for tenants. Your tenants are not legally obliged to protect their belongings in your rental property.
However, 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 add 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.
Is loss of rent cover the same as rent guarantee insurance?
Loss of rent provides different cover to that which is available from a rent guarantee insurance policy. The loss of rent protection included with our landlord cover as standard is there to help if your rental property becomes uninhabitable. It can help to cover rent that is lost due to this, and can also cover costs for alternative accommodation for your tenants*.
However, rent guarantee insurance differs as it is there to help landlords financially while you are lawfully seeking repossession of your property due to rent arrears. Our Rent Guarantee Insurance policy also provides cover for various legal expenses. See our Landlord Legal and Rent Guarantee Insurance policy wording for more information.
Does your policy provide legal expenses cover or liability insurance?
Our Landlord Insurance cover may help with a range of legal expenses. This includes landlord liability insurance, which provides cover for when there is an accident caused by a problem with your property. For example, if a carpet is not fitted correctly, causing a tenant to trip over, and they decide to sue you*.
Cover for property owners’ liability and the Defective Premises Act 1972 is also included*.
What is index linking?
When you insure a property, you will have to state the buildings sum that you wish to insure. This is the cost of rebuilding the entire property. Index linking is the process of tracking changes to the rebuild cost, to ensure the buildings sum insured remains correct.
We provide a monthly check of the rebuild cost for you as part of our index linking cover. Your premium will not increase during the current term of insurance if the rebuild cost goes up, but any changes will be reflected at the renewal period.
For your added protection should the index fall, we will not reduce the sum insured*.
Can I insure more than one property?
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, we can help you can obtain a quote if you call us or get in touch by emailing enquiries@justlandlords.co.uk.
You will be offered one policy that can provide a mixture of Landlord Insurance, UK Holiday Home Insurance, and Unoccupied Property Insurance.
How can I make a claim?
If you need to make a claim on your Landlord Insurance policy, please visit our How to Make a Claim page for full information.
*Policy limits and exclusions may apply, please see our Landlord Insurance policy wording for full terms and conditions.
Not the right product?
As well as our Landlord Insurance, we provide other covers for landlords. View our alternative insurance products below:
Other links
- Landlord News – Our provider of the latest industry updates.
- Gallagher – Just Landlords is a trading name of Arthur J. Gallagher Insurance Brokers Limited. Part of the Arthur J. Gallagher & Co group of companies.
