When renting a property in the UK, both landlords and tenants have different insurance responsibilities. A common question is: who pays for building insurance—the landlord or the tenant?
In the UK, landlords are responsible for building insurance because they own the property and must protect their asset. This applies to:
Building insurance typically covers:
✅ Structural damage (walls, roof, floors, etc.)
✅ Fire, flood, and storm damage
✅ Vandalism and accidental damage
✅ Rebuilding costs in case of severe destruction
No, tenants do not need to pay for building insurance, but they may be indirectly contributing to the cost if the landlord factors it into the rent.
However, tenants are responsible for their own belongings and should consider contents insurance to protect against:
In some cases, tenants might contribute to insurance costs:
At Fraser Bond, we help landlords and tenants:
In most cases, landlords pay for building insurance in UK rental properties, while tenants cover contents insurance for personal belongings. Understanding these responsibilities helps both parties avoid unexpected costs and disputes.
For expert guidance on landlord insurance and rental agreements, contact Fraser Bond today!
