Landlord insurance

Compare landlord insurance quotes

Getting a landlord insurance quote is quick and easy. Our specialist team can provide a quote in just a few minutes.

1. Tell us about your property

Share details about your rental property, including its location, type, and estimated rebuilding cost.

2. Choose your level of cover

Decide on the type of protection you need, such as building insurance, landlord contents cover, or loss of rent protection.

3. Tell us about the tenancy

Provide details of how the property is let, including the type of tenancy and whether it is a standard let or an HMO.

4. Compare landlord insurance options

Our highly experienced broker team compare quotes from different UK insurers and chooses the policy that suits your property and rental income.

What is landlord insurance?

Landlord insurance is a policy designed to safeguard rental properties and the financial risks associated with renting them out to tenants.

Unlike typical home insurance, landlord policies are customised to address the specific risks of renting out property. This could include cover for the building itself, liability protection if tenants or visitors make a claim, and financial support if rental income is interrupted following an insured event.

For many landlords, this kind of cover offers peace of mind that their property investment and rental income are safeguarded if something unexpected occurs.

What landlord insurance covers

Buildings insurance

Cover to repair or rebuild your rental property if it is damaged by events such as fire, flood, or storm.

Property owners’ liability

Protection if a tenant or visitor sustains an injury at the property and makes a legal claim against you.

Rehoming tenants

Cover to assist in temporarily rehoming tenants if the property becomes uninhabitable due to insured damage.

Accidental damage cover

Protection against unexpected damage to the property caused by tenants or unforeseen incidents.

Loss of rental income

Compensation for lost rent if the property is unoccupiable due to an insured event.

Landlord contents cover

Protection for furnishings, appliances, and other items provided as part of the tenancy.

What landlord insurance usually doesn’t cover

While landlord insurance provides comprehensive cover, most policies also include specific exclusions.

Common exclusions may include:

general wear and tear to the property
damage caused intentionally by tenants
poor property maintenance or neglect
properties left unoccupied beyond a specified period
losses resulting from illegal activities at the property

Because policies vary between insurers, it’s essential to review the policy terms thoroughly to understand exactly what is included and excluded.

Do landlords need insurance?

Landlord insurance is not legally required in the UK. However, many landlords choose to arrange cover to protect their property investment and rental income.

It may be particularly important if you:

have a property financed with a buy-to-let mortgage
rely on rental income as part of your financial planning
let the property to long-term tenants
want protection against potential liability claims

In many cases, mortgage lenders also require landlords to maintain appropriate insurance for rental properties.

Landlord insurance benefits and trade-offs

Landlord insurance provides valuable protection, but it’s important to understand both the benefits and potential limitations before choosing a policy.

Benefits

Designed specifically for rental properties

Landlord insurance is designed to cover the risks associated with letting property, which are typically not included in standard home insurance.

Protects income as well as property

Some policies might cover loss of rent if the property becomes uninhabitable because of insured damage.

Flexible levels of cover

Policies can often be customised based on the property type, tenancy arrangement, and the level of protection required.

Trade-offs

Higher premiums than standard home insurance

Landlord insurance is usually more costly than standard home insurance because of the additional risks associated with tenants.

Policy conditions and exclusions apply

The cover might depend on factors such as tenant type, property condition, and compliance with safety regulations.

Optional extras may be required

Features such as legal expenses cover or rent guarantee insurance might need to be added separately.

Frequently asked questions about landlord insurance

Is landlord insurance required by law?

Landlord insurance isn’t a legal obligation in the UK. However, many mortgage lenders require landlords to have appropriate insurance for their rental properties.

Can I use standard home insurance instead?

Standard home insurance is generally meant for owner-occupied properties and may not provide enough cover for rental risks. Landlord insurance is specifically designed for properties that are rented out to tenants.

Does the cover apply if the property is empty?

Many policies provide limited cover if the property is temporarily unoccupied. However, restrictions may apply depending on the length of time the property remains vacant.

What types of property can be covered?

Most UK rental properties, including houses, flats, HMOs, and buy-to-let investments, can be insured, subject to the insurer’s criteria.

Can the cover be adjusted over time?

Yes. Policies can usually be reviewed if your property, tenancy type, or circumstances change.

Why arrange landlord insurance through Muttuo?

Muttuo helps you compare landlord insurance options from different UK insurers, making it easier to find cover suited to your property and rental income.

Our team provides clear explanations and guidance so you can choose a policy that matches your property, tenants, and long-term investment goals.

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