From professional lets to student houses, holiday cottages to blocks of flats — explore specialist residential landlord cover from FCA-authorised insurers. Standard home insurance won't protect you.
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Each property type carries different risks and requires different cover. Select your property type for a dedicated guide.
Standard residential tenancy to employed tenants. The most common landlord arrangement — covers buildings, contents, loss of rent and liability.
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Higher footfall, increased wear and shared tenancies mean standard policies often won't cover student properties. Specialist cover is essential.
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Short-term, high-turnover lets — Airbnb, Sykes, direct — require specialist cover for guest liability, accidental damage and periods of vacancy.
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Standard policies typically restrict cover after 30–45 days empty. Between tenants, refurbishments or probate — specialist cover fills the gap.
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Own two or more properties? A single portfolio policy covers all your residential lets under one renewal date — usually cheaper and far simpler.
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Letting a single leasehold flat? You may not own the building, but you still need contents, liability and loss of rent cover for your share.
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Freeholders and RTM companies need buildings cover for the entire block, plus common parts liability and directors & officers cover.
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A comprehensive landlord policy bundles several types of cover unavailable on a standard home insurance policy.
Covers the structure against fire, flood, storm, subsidence and accidental damage. Required by most buy-to-let mortgage lenders.
For furnished lets — covers your furniture, white goods and fittings against damage or theft. Does not cover tenants' own belongings.
Pays your rental income if the property is uninhabitable following an insured event — fire, flood, major damage — while repairs are carried out.
Covers legal costs and compensation if a tenant or visitor is injured on your property and holds you legally responsible.
Covers eviction proceedings, rent recovery disputes, deposit disputes and other tenant-related legal costs. Often available as an add-on.
Covers deliberate damage by tenants — not included in standard buildings policies. Critical for higher-risk tenancies including students and DSS lets.
Separate from loss of rent — pays your rental income if tenants stop paying. Requires a valid tenancy agreement and referencing checks.
Covers emergency call-outs for boiler breakdown, burst pipes, lost keys and other urgent property issues. Available as an add-on.
Landlord policies vary between insurers. Here's a general guide — always read the full policy wording.
Residential landlord insurance doesn't cover offices, retail units, warehouses, restaurants or mixed-use buildings. If you own commercial premises — tenanted or owner-occupied — you need a specialist commercial property owners policy.
A few things worth checking before you buy, whichever UK insurer or broker you choose.
Check the limit matches what your contracts, landlord or clients require — common tiers are £1m, £2m, £5m and £10m depending on trade and risk.
Professional and liability covers are often "claims-made" — cover depends on holding a live policy when a claim is made, not just when the work happened.
Read what's excluded, not just what's covered. Sub-contractor work, specific activities, or work carried out overseas are common gaps.
Before buying, confirm any insurer or broker is authorised and regulated by the Financial Conduct Authority — check the register at register.fca.org.uk.
🤝 We're finalising partnerships with FCA-authorised UK insurers so you can explore real quotes here soon. Check back shortly, or get in touch if you'd like to be notified when quotes go live.
Quotes from leading UK landlord insurers. Free, fast and no obligation.