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Home › Landlord Insurance

The landlord specialist.
Not a generalist.

Whether you own one property or a portfolio of fifty, we place landlord insurance that actually fits — covering the risks that keep you up at night, with a broker you can call when it matters.

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Same-day cover available Standard & bespoke terms Portfolio policies Claims advocacy

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No call centres · Mon–Fri 9:00–18:00

Our Insurer Panel

Aviva Zurich AXA Allianz Hiscox Chubb Markel QBE Ageas Ecclesiastical AIG Intact Munich Re RSA Covéa +30 more →

Authorisations & Memberships

FCA Authorised No. 305819 Financial Conduct Authority Industry Body BIBA Member British Insurance Brokers’ Assoc. Professional Body CII Member Chartered Insurance Institute Certified Cyber Essentials NCSC Certified Scheme Accredited Employer Living Wage Real Living Wage Employer Government Framework Crown Commercial Services Supplier
Who We Work With

Built for every type
of property owner

From a first-time accidental landlord to a professional portfolio investor — we understand the difference and place cover accordingly.

🏠

Residential Landlords

Own one or more residential properties let to tenants? We offer standard and bespoke terms with a simple question set designed to get you on cover quickly.

🏢

Commercial Property Owners

Offices, retail units, warehouses and industrial premises. Commercial properties carry distinct risks — and we know exactly how to cover them.

🏗️

Portfolio Landlords

Multiple properties? We can place a single portfolio policy covering all your assets under one renewal date — saving you time and often reducing your premium.

🏘️

Blocks of Flats

Freeholders and property managers needing buildings, communal areas, and liability cover. We understand the nuances of block cover that generalist brokers often miss.

🔑

HMO Landlords

Houses in multiple occupation carry higher risks and specific regulatory requirements. We have HMO-specific policy options that properly reflect those risks.

🚧

Unoccupied Properties

Property between tenancies, under renovation, or awaiting sale. Standard policies won't cover you when a property is empty — we have dedicated unoccupied cover.

Policy Options

Cover options
for every situation

We don't sell a one-size-fits-all policy. We find the right product for your specific property, tenancy type, and risk profile.

Residential Let Insurance Most Popular

For property owners renting to residential tenants. Standard and bespoke terms with buildings, contents, and liability cover. Simple question set — can get you covered the same day.

Commercial Landlord Insurance

Purpose-built cover for commercial properties including offices, retail, warehousing and industrial units. Includes business interruption and property owners liability.

Portfolio Landlord Insurance Recommended

A single policy covering multiple properties — residential and commercial — under one renewal. Simplified administration and often better pricing than individual policies.

Block of Flats Insurance

Buildings insurance, communal areas, lifts, plant and machinery, directors and officers liability for resident management companies.

Unoccupied Property Insurance

Covers new build and developments, property for sale or rent, and property under refurbishment or renovation. Essential when standard policies lapse during vacancy.

Property Owners Liability

Protects against claims from third parties injured on or affected by your property. Standard and bespoke terms for single and multiple properties.

What's Included

Standard cover
that doesn't cut corners

✓

Buildings Cover

Covers the cost of repairing or rebuilding your property following fire, flood, storm, subsidence or accidental damage.

✓

Loss of Rent

If your property becomes uninhabitable following an insured event, we cover the rent you lose while repairs are completed.

✓

Property Owners Liability

Covers your legal liability to tenants, visitors and third parties for injury or damage arising from your property.

✓

Legal Expenses

Covers the cost of pursuing or defending legal claims including tenant disputes, eviction proceedings and property disputes.

✓

Contents (Optional)

Available for furnished properties — covering your fixtures, fittings and furnishings against damage or theft.

✓

Accidental Damage (Optional)

Extended cover for accidental damage caused by tenants — available as an add-on to residential policies.

✓

Rent Guarantee Insurance

Protection against tenants defaulting on rent — covering your rental income for up to 12 months.

Why Forum Insurance

Why landlords choose us
year after year

A 94% retention rate isn't an accident. It's what happens when you actually look after your clients.

01

We understand the landlord market

We've placed thousands of landlord policies across every property type. We know the difference between a standard let, an HMO and a commercial property — and we place cover that reflects it.

02

Access to specialist insurers

We work with specialist property insurers you can't access through comparison sites or your bank. This means better policy wording, broader cover, and often better pricing.

03

One broker. One number. Always.

You have a dedicated account handler who knows your portfolio inside out. Not a call centre. Not a chatbot. A real person who picks up the phone and knows your properties by name.

04

We fight for you at claim time

When the worst happens, we're next to you — managing the claim, challenging underpayments, and making sure you get what you're owed. That's what a broker is actually for.

Claims Support

When you need to
claim, we step up.

Most landlords discover what their broker is really worth the day they make a claim. With Forum Insurance, you find out before that day — because we build the relationship first.

We manage the entire claims process on your behalf, from first notification through to settlement. We challenge underpayments, chase slow settlements, and escalate where needed.

Talk to us about a claim →
STEP 01

Call your dedicated broker

One number. No hold queues. Your broker knows your policy and starts advising you immediately.

STEP 02

We notify the insurer

We handle all insurer correspondence on your behalf and set out the claim clearly from day one.

STEP 03

We manage the process

Surveyors, loss adjusters, contractors — we coordinate everything so you don't have to.

STEP 04

We fight for a fair settlement

If an offer is too low, we challenge it. We know policy wording inside out and we use it to your advantage.

Common Questions

Landlord insurance FAQs

Not necessarily. If you own multiple properties, a portfolio policy can cover all of them under a single policy with one renewal date. This is often more cost-effective than insuring each property individually and simplifies your administration considerably. Talk to us about whether a portfolio policy is right for you.
No. Standard home insurance is designed for owner-occupied properties. If you rent your property to tenants, you need a specific landlord insurance policy. Using a standard home insurance policy while renting could invalidate your cover entirely — meaning any claim could be rejected.
Yes. For most standard residential let policies, we can arrange same-day cover once we have the information we need. If you need cover urgently — for example, a new purchase completing today — call us directly on 0208 909 2899 and we'll prioritise it.
Most standard landlord policies will limit or withdraw cover once a property has been unoccupied for 30 or 60 days. If your property is vacant between tenancies, under refurbishment, or for sale, you need a specific unoccupied property policy. We can arrange this quickly and switch you back to a standard policy when the property is re-let.
For most landlords, yes. Rent guarantee insurance covers you if a tenant stops paying rent — providing up to 12 months of rental income while you pursue eviction proceedings or recovery. Given that the average eviction process can take 6–12 months, the protection is significant relative to the cost of the policy.
Buildings cover protects the physical structure of the property — walls, roof, floors, fitted kitchens, and bathrooms. Contents cover protects items inside the property that are not fixed — furniture, white goods, and furnishings. For unfurnished lets you typically only need buildings cover. For furnished lets, contents cover is strongly recommended.

Rather talk it through first?

Book a free 30-minute call with our Landlord Specialist — no prep needed, no obligation.

Book a Call with a Landlord Specialist Call 0208 909 2899
Get a Quote

Landlord insurance done properly.

Give us the basics and a specialist landlord broker will call you back — usually within the hour. No automated quotes. No call centres.

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