If you’re renting out a property, standard home insurance won’t provide full protection. You need specialist landlord insurance to cover risks like tenant damage, unpaid rent, and liability claims. Whether you own a single rental or multiple properties, the right policy ensures financial security.
Regular home insurance is designed for owner-occupied homes, meaning it won’t cover rental-specific risks. Many insurers may even void your policy if you rent out a property without informing them.
✔️ Buildings Insurance – Covers structural damage from fire, floods, and storms.
✔️ Contents Insurance – Protects furniture and appliances in furnished rentals.
✔️ Loss of Rent Cover – Compensates for rental income lost due to property damage.
✔️ Tenant Liability Cover – Protects against tenant injury claims on the property.
✔️ Legal Expenses Insurance – Covers eviction costs and disputes.
While it’s not legally required, many buy-to-let mortgage lenders insist on landlord insurance. Without it, you could be left covering major repair costs or legal fees.