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.
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Landlord specialists · Mon–Fri 9:00–18:00
Landlord risk varies enormously depending on your property type, tenant profile and investment strategy. We understand all of them.
Single-property investors and small portfolio landlords. Straightforward buildings and contents insurance with tenant liability and loss of rent protection.
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.
Multi-property investors. We arrange bulk landlord insurance across your portfolio with consolidated billing, consistent coverage and preferential rates based on portfolio size.
Companies and LLCs holding investment properties. We arrange landlord insurance with corporate liability coverage and accounting-compliant renewal documentation for your records.
HMO and multi-let student accommodation. Specialised cover for higher-risk tenant profiles, damage patterns and liability exposure specific to student lettings.
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.
We place the complete suite of landlord insurance — from essential buildings cover to specialist products most brokers can't access.
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.
Cover for moveable contents (furniture, appliances) plus accidental damage caused by the landlord or tenants. Includes vandalism and malicious damage by tenants.
Specific coverage for tenant-caused wilful damage beyond normal wear and tear — broken windows, damaged doors, graffiti and intentional destruction of fittings.
For properties between tenancies or undergoing refurbishment. Standard policies exclude unoccupied homes; we arrange cover during these gaps with appropriate conditions and premiums.
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.
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.
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.
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.
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.
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.
Most landlords are underinsured or have gaps they're not aware of. We audit your cover and close them.
Covers damage to the building structure, roof, walls, fitted kitchen and bathroom, and permanent fixtures. Essential protection against fire, flood, subsidence, and vandalism.
Covers landlord-owned contents — furniture, carpets, white goods, and other items left in the property for tenants. Tenant-owned belongings are their responsibility.
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.
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.
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.
Covers damage deliberately caused by tenants or intruders — broken fixtures, damaged carpets, graffiti, or other intentional destruction. Standard policies often exclude tenant-caused damage.
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 →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.
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.
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.
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.
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.
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.
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.
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.
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 →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.
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.
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.
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.
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.
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.
Book a free 30-minute call with our Landlord Specialist — no prep needed, no obligation.