Updated October 2026 · Fraser Bond
Landlords · Insurance
Landlord insurance and claims
Buildings& contents
Liabilitycover
Rentguarantee
Claimsevidence
In short: Standard home insurance usually doesn't cover a let property, so landlords need landlord insurance: buildings (often arranged by the freeholder for flats), landlord's contents, property owner's liability, and optional rent guarantee and legal expenses cover. Tell your insurer the property is let and who lives there, as HMOs, students or vacant periods can affect cover. Claims go more smoothly with inventories, inspection records and prompt repairs. On properties we manage, Fraser Bond can help gather evidence and organise contractors.
Before you claim
Frequently asked questions
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Is landlord insurance compulsory?
Not by law, but lenders usually require buildings cover.
Does Fraser Bond sell insurance?
No; we can help with claims on managed properties.
Want your property managed?
Talk to our team or get a free valuation.
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