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Last Updated: 4th August 2026
If you own a rental property, landlord insurance can provide valuable financial protection against unexpected events. While it isn’t a legal requirement, it can help safeguard your property, your income and your responsibilities as a landlord.
The level of cover depends on the policy you choose, but landlord insurance can help protect you against a range of risks associated with renting out your property.
Buildings Insurance
Helps cover the cost of repairing or rebuilding your rental property following insured events such as fire, storms or flooding.
Landlord Contents Insurance
Protects items you own within the property, such as carpets, curtains, furniture and appliances provided for your tenants.
Landlord Liability Insurance
Can help protect you if you’re held legally responsible for injury to a tenant or visitor, or damage to their property.
Loss of Rent Cover
Depending on your policy, you may be covered for lost rental income if your property becomes uninhabitable following an insured event.
Protecting what matters most doesn’t have to be complicated. Our experienced protection advisers will take the time to understand your needs and help you find cover that’s tailored to your circumstances, giving you confidence and peace of mind.
The right landlord insurance can help you protect more than just your property. It can provide financial protection against unexpected events, helping you manage the risks that come with letting a property.
Protect Your Investment
Help safeguard your rental property against insured damage and unexpected repair costs.
Support Your Rental Income
Depending on your policy, loss of rent cover can help if your property becomes uninhabitable following an insured event.
Protection for Landlords
Landlord liability cover can help protect you if you’re legally responsible for injury or property damage.
Tailored Cover
Choose a landlord insurance policy that’s suited to your property, tenants and individual requirements.
Greater Peace of Mind
Let your property with confidence, knowing you have cover that’s designed specifically for landlords.
Landlord insurance is designed to help protect rental properties and landlords against risks associated with letting a property. Depending on the policy you choose, it can include buildings insurance, landlord contents insurance, landlord liability and loss of rent cover.
No, landlord insurance isn’t a legal requirement in the UK. However, if you have a buy to let mortgage, your lender may require you to have appropriate insurance in place.
Home insurance is designed for owner occupied properties, while landlord insurance is specifically designed for rented properties. It can include additional cover that’s relevant to landlords, such as landlord liability and loss of rent protection.
The level of cover depends on your policy, but landlord insurance can include buildings insurance, landlord contents insurance, landlord liability, accidental damage and loss of rent cover.
Some landlord insurance policies include cover for accidental or malicious damage caused by tenants. The level of protection varies between insurers, so it’s important to check your policy details.
Yes, landlord insurance is recommended for buy to let properties because standard home insurance is unlikely to provide suitable cover for rented homes.
Yes. If you own more than one rental property, some insurers offer landlord insurance policies that can cover multiple properties under one arrangement.
At Mortgage Experience, our experienced protection advisers will help you compare landlord insurance options and find cover that’s tailored to your property, tenants and individual requirements.
Every rental property is different, which is why choosing the right landlord insurance is so important. Whether you’re letting your first property or managing a portfolio, our experienced protection advisers are here to help. Get in touch today to discuss your landlord insurance needs and find cover that’s tailored to your property, tenants and level of protection required.
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