Landlord insurance—also known as buy-to-let insurance—is a specialised policy that protects property owners from rental-specific risks, including damage to the property structure, contents, liability claims, and loss of rent. Standard home insurance typically won’t cover these situations and may become invalid when a property is let out.
Given the high-value and leasehold nature of City Island flats, the following insurance components are particularly important:
Building Insurance – Covers the structure, walls, fixtures, and perils such as fire or flood.
Landlord Contents – For furnished flats, this covers white goods and landlord-provided furnishings.
Loss of Rent / Rent Guarantee – Compensates if tenants are displaced due to insured damage or default on payments (optional)
Landlord Liability – Protects against third-party injury or damage claims.
Optional Extras – Can include legal expenses, alternative accommodation, accidental & malicious damage.
Mortgage Compliance – Many lenders require it for qualification and ongoing mortgage terms.
Leasehold Complexity – As a leaseholder, liabilities may be higher than freehold properties; building insurance may not cover internal fixtures or contents.
Flood Risk Considerations – Elevated flood risks in London are prompting insurers to restrict or raise premiums; specialist underwriting or parametric policies may be required.
Top-rated UK landlord insurance options include:
Alan Boswell Group (underwritten by Aviva or NIG) – High policy ratings and strong liability protection.
Uinsure – Strong coverage for buildings and contents.
Direct Line, NFU Mutual – Among best-performing insurers based on Which? analysis.
There are also dedicated London landlord insurance providers offering tailored packages for high- value or multiple properties, with buyer-friendly plans and flexible coverage.
| Insurance Type | Coverage Focus |
|---|---|
| Building Cover | Structural damage (fire, flood, storm) |
| Contents Cover | Landlord-owned furnishings in furnished lets |
| Rent & Legal Protection | Loss of rent, landlord liability, legal expenses |
| Flood & Location Risk | Requires careful underwriting due to London's flood risk |
| Provider Options | Strong UK insurers and local London specialists |
As a trusted advisory partner, Fraser Bond helps landlords in London City Island by offering:
Lender-aligned policy selection
Full valuation for accurate coverage
Guidance to mitigate flood risk exposure
Synchronised renewal and compliance management
Get expert insurance advice tailored to your City Island property—visit FraserBond.com to connect with our landlord services team.
