Expert landlord insurance · Property protection & incident response · 0208 909 2899
Business Insurance Commercial Combined Employers Liability Public Liability Fleet Insurance Fleet Risk Management Cyber Insurance Trade Credit Dental & Medical Professional Services Retail & Hospitality Transport & Logistics Technology & IT Manufacturing & Wholesale Petrol Stations Motor Trade Charities Education Government Local Authorities Non-Profit Offices & Surgeries Religious Organisations Social Housing Landlord Insurance Residential Landlord Commercial Landlord Block of Flats Unoccupied Property Landowners Liability Legal Expenses Personal Insurance High Value Home Health Insurance Travel Insurance Life & Critical Illness Total Loss Protection Home Insurance Private Clients Construction Insurance Contractors Combined JCT 6.5.1 Insurance Self-Build Insurance Property Owners Legal Indemnity About Us Our Team Our Insurers Referral Partners Claims Blog Our Brands Our Partners Contact Us Book a Call Get a Quote 0208 909 2899
Home› Business Insurance› Residential Landlord Insurance

Protect your rental
property with comprehensive landlord cover.

As a residential landlord, you need specialist insurance that covers your property, furnishings, liability, and tenancy-related risks. We provide tailored landlord insurance with expert support for all property types and investment strategies.

Request a Quote Speak to a Specialist
35 years trading 2,379 clients ~90% retention rate A-rated insurers

Get a landlord insurance quote

Tell us about your rental property — we aim to call you back within the hour during office hours (Mon–Fri, 9am–6pm).

Landlord specialists · 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 Landlord Protection NCSC Certified Scheme Accredited Employer Living Wage Real Living Wage Employer Government Framework Crown Commercial Services Supplier
Who We Work With

Every type of landlord,
protected

Landlord risk varies enormously depending on your property type, tenant profile and investment strategy. We understand all of them.

👤

Individual Landlords

Single-property investors and small portfolio landlords. Straightforward buildings and contents insurance with tenant liability and loss of rent protection.

🔑

First-Time Landlords

New property investors needing guidance on what insurance they actually need. We explain the gaps in standard policies and structure cover for your first rental property.

🏘️

Portfolio Landlords

Multi-property investors. We arrange bulk landlord insurance across your portfolio with consolidated billing, consistent coverage and preferential rates based on portfolio size.

🏢

Corporate Landlords

Companies and LLCs holding investment properties. We arrange landlord insurance with corporate liability coverage and accounting-compliant renewal documentation for your records.

🎓

Student Housing Providers

HMO and multi-let student accommodation. Specialised cover for higher-risk tenant profiles, damage patterns and liability exposure specific to student lettings.

🏖️

Holiday Let & Short-Term Owners

Properties let seasonally or short-term via platforms like Airbnb. Different risk profile from long-term lettings — we arrange policies that reflect the actual use and tenant churn.

Our Products

The full range of landlord
cover, in one place

We place the complete suite of landlord insurance — from essential buildings cover to specialist products most brokers can't access.

Property & Contents Cover

Protecting the property itself

Buildings InsuranceMost Popular

The core landlord policy — covering structural damage, fixtures and fittings, and landlord's contents (cookers, fitted carpets, curtains). Sized for rebuilding cost, not market value.

Contents & Accidental Damage

Cover for moveable contents (furniture, appliances) plus accidental damage caused by the landlord or tenants. Includes vandalism and malicious damage by tenants.

Malicious Damage & Vandalism

Specific coverage for tenant-caused wilful damage beyond normal wear and tear — broken windows, damaged doors, graffiti and intentional destruction of fittings.

Unoccupied PropertySpecialist

For properties between tenancies or undergoing refurbishment. Standard policies exclude unoccupied homes; we arrange cover during these gaps with appropriate conditions and premiums.

Student Housing (HMO)

Specialist cover for Houses in Multiple Occupation with higher-risk tenant profiles. Includes accidental damage, malicious damage, and additional excess applied appropriately to high-turnover properties.

Liability & Loss Cover

Protecting your liability & income

Liability to TenantsEssential

Covers your legal liability to tenants and their guests for injury or property damage caused by defects in the property or landlord negligence. Often excluded from standard policies; we make it explicit.

Loss of Rent Assurance

Covers loss of rental income if the property becomes uninhabitable due to insured damage (fire, flood, subsidence). Pays rent for the period of repair up to the policy limit.

Landlord's Contents

Coverage for items that remain the landlord's responsibility — fitted carpets, curtains, cookers, boilers and other fixtures left for tenant use. Essential for furnished and part-furnished lets.

Legal Defence CostsSpecialist

Covers legal costs for tenant disputes, eviction proceedings, deposit disputes with tenants, and defending claims brought by tenants or third parties. Protects your legal position.

Holiday Let (Short-Term)

For properties let seasonally or short-term via Airbnb, Vrbo or similar platforms. Different risk and claims patterns than long-term lettings — we arrange appropriate cover for your letting model.

Standard Cover Elements

What comprehensive landlord
insurance includes

Most landlords are underinsured or have gaps they're not aware of. We audit your cover and close them.

🏢

Buildings Insurance

Covers damage to the building structure, roof, walls, fitted kitchen and bathroom, and permanent fixtures. Essential protection against fire, flood, subsidence, and vandalism.

🛋️

Contents & Fixtures

Covers landlord-owned contents — furniture, carpets, white goods, and other items left in the property for tenants. Tenant-owned belongings are their responsibility.

⚖️

Liability Protection

Essential

Legal liability if someone is injured on your property and you're held responsible. Covers legal costs, court awards, and settlements up to your policy limit.

💰

Loss of Rent Assurance

Covers loss of rent if your property becomes uninhabitable due to insured damage. Protects your income if you need to temporarily evacuate tenants during repairs.

🔨

Accidental Damage

Optional cover for damage that's accidental rather than deliberate — water damage from leaks, broken windows, or damage caused during repairs. Not included in standard policies.

🚨

Malicious Damage & Vandalism

Covers damage deliberately caused by tenants or intruders — broken fixtures, damaged carpets, graffiti, or other intentional destruction. Standard policies often exclude tenant-caused damage.

The Risk

Why landlord insurance
matters right now.

Rental property investment carries significant risks. Tenant disputes, property damage, loss of rent, and liability claims can cost thousands of pounds. Comprehensive landlord insurance protects your investment and income stream.

Most standard insurance doesn't cover landlord-specific liabilities — you're exposed. Our specialists understand property investment risk and can arrange the cover you actually need, without gaps.

Get a landlord quote →
Key Concerns

What keeps landlords
awake at night

Tenant Disputes & Eviction Costs

Problem tenants, non-payment of rent, illegal subletting, or eviction proceedings can cost thousands in legal fees. Standard insurance doesn't cover these specialist legal costs.

Loss of Rent & Void Periods

Properties become unrentable after damage or due to prolonged tenant issues. Your mortgage and maintenance costs continue whether or not rent is coming in. Loss of rent cover bridges this gap.

Property Damage by Tenants

Deliberate damage, neglect, or end-of-tenancy disputes over damage can be expensive. Many landlords discover too late that their home insurance excludes damage caused by tenants.

Liability Claims & Accidents

Someone is injured on your property, or their belongings are damaged due to a maintenance failure. Liability claims can reach tens of thousands. Most standard policies exclude rental properties.

Why Forum Insurance

Why landlords
trust us year after year

01

We understand landlord-specific risks

Tenant disputes, void periods, maintenance emergencies, liability claims — we understand property investment risk inside out. We don't try to fit landlords into a generalist home insurance box.

02

Specialist insurer access

Landlord insurance is a specialist risk class. We access underwriters with genuine property investment expertise — meaning better policy wording, broader cover, and professional claims handling.

03

One broker for every property risk

Buildings, contents, liability, loss of rent, legal defence, accidental damage — we place all of it across your portfolio. One broker, one renewal conversation, and no gaps between policies.

04

30+ years of landlord claims expertise

Landlord claims are complex — tenant disputes, damage responsibility, loss of rent disputes. We've managed them for over 30 years and we know how to get a fair outcome.

Claims Support

When you have a
claim, we move fast.

A property damage claim, tenant dispute, or loss of rent situation needs immediate action. First steps matter — for evidence preservation, insurer notification, and getting tenants rehoused if needed. We work with surveyors, loss adjusters, and legal advisers to manage claims end-to-end.

Our goal: get you through the crisis quickly, protect your position with the insurer, and ensure you get full cover for all legitimate costs.

Claims support hotline →
STEP 01

Call us immediately

Contact us as soon as damage occurs or a claim situation arises. We notify the insurer on your behalf, give you advice on immediate actions, and arrange emergency measures like temporary accommodation if needed.

STEP 02

Document & preserve evidence

Take photos and video of damage, keep receipts for emergency repairs, gather repair quotes. Don't make permanent repairs without insurer approval — this can affect settlement. We'll guide you on what's ok to do immediately.

STEP 03

We manage the assessment

Loss adjusters, surveyors, and contractors will assess the damage and repair costs. We ensure they're acting in your interest and that all damage is properly documented and valued.

STEP 04

We fight for fair settlement

We submit all legitimate costs to the insurer and challenge any underpaid settlements. Landlord claims are complex — we know policy wordings and won't accept a settlement that's below your entitlement.

STEP 05

Tenant dispute resolution

For disputes over damage responsibility or deposit deductions, we coordinate with your insurer to ensure liability is properly established and your position is protected under the policy.

STEP 06

Loss of rent claims

If your property is uninhabitable after insured damage, we submit the loss of rent claim and provide evidence of lost income. This covers your mortgage, council tax, and maintenance costs during repairs.

Common Questions

Residential Landlord Insurance FAQs

Landlord insurance covers the costs and liabilities arising from property damage, tenant disputes, loss of rent, and liability claims. Coverage typically includes buildings damage, contents protection, accidental damage, liability to tenants and third parties, loss of rent assurance, malicious damage, and legal defence costs. The specific covers depend on your policy, but our specialists ensure you get comprehensive protection tailored to your property portfolio and risk profile.
Absolutely. Individual landlords and smaller portfolios face significant risks that larger operators have resources to manage. Tenant disputes, emergency repairs, loss of rent during void periods, and liability claims can be financially devastating. If you own rental property or rely on rental income, landlord insurance is essential. Most standard property insurance doesn't cover landlord-specific liabilities and legal protection.
Landlord insurance premiums vary based on property type, location, value, rental income, tenant type, and claims history. A single residential property might cost £200–£400 annually, while larger portfolios could pay more. The good news: safety measures, proper maintenance, and good tenant screening can reduce your premium. We'll provide a detailed quote tailored to your property after understanding your specific risk profile.
Standard home insurance covers your personal residence. Landlord insurance covers rental properties and includes protections specific to letting: liability to tenants, loss of rent, malicious damage by tenants, accidental damage to the property, and legal defence. Many landlords need both personal and landlord cover. Standard policies typically exclude rental properties or charge extra. We can ensure you have the right combination for your property portfolio.
Most standard home insurance policies explicitly exclude or restrict cover for rental properties. Unless you've specifically purchased landlord cover, tenant-related claims, loss of rent, or property damage by tenants will fall into the excluded perils gap. This is one of the most common gaps we identify in landlords' insurance portfolio. We'll audit your existing policies to confirm and recommend the right landlord cover.
We can often arrange cover within 24-48 hours for straightforward single lets. Portfolio landlords or specialist tenancy types may take a little longer as we search specialist markets to find the right terms. Call us on 0208 909 2899 and we will give you an honest timeframe.

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
Rated 4.8/5 ★★★★★★ from 300+ reviews Leave a Review →