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Affordable Landlord Insurance - Protect Your Rental Property

Protection of quality at the appropriate price:- Despite the number of properties rented (either one or a portfolio of properties), landlord insurance offers you the comfort that your investment is insured. Clarity Compare is a fast tool, you can compare personalised quotes with reliable providers in a fraction of a minute - it is much easier to find the best cover with affordable costs and no corners cut in quality.

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  • Comments on quotes from as many as 15 trusted suppliers.
  • Premiums are paid when you withdraw from a policy with us.
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What is Landlord Insurance?

Buy-to-let insurance (also known as landlord insurance) is a specialised form of home insurance that is targeted at rental properties. It offers landlord protection that is customised, unlike typical home cover.

It typically covers:
Losses to your property due to fire, floods, broken water pipes, or storms.
Optional contents cover, e.g. furniture on a furnished rental.
Repayment loss in case your property is made uninhabitable.

Do I Need Landlord Insurance?

Although it is not a legal factor, landlord insurance is highly preferred. Normal home insurance will not often cover rental property and might be voided in case you rent to tenants.

This form of insurance is mandatory for most buy-to-let mortgage lenders, who would not grant a loan to the landlord without such insurance. Although you may be the owner of your property in its rightful sense, landlord insurance saves you money in case of any unforeseen events.

What is the Cost of Landlord Insurance?

The cost varies depending on:

1. Level of cover

The more of the add-ons, the higher the premium.

2. Location of the property

Properties in flood and high-crime areas can be expensive.

3. Premises size and age

Older or larger buildings tend to have a higher premium.

4. Tenant type

Students, sharers, or pet owners can be regarded as the ones at more risk.

5. Claims history

The claims made in the past have the potential of raising your renewal price.

6. Means of payment

Annual payments are usually less expensive when compared to monthly payments.

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"The best part was how transparent everything felt. No hidden fees or confusion—just honest comparisons and great value."

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How to Save on Landlord Insurance

Although discounts cannot always be assumed, there are several ways to save on your landlord insurance premium.

1. Invest in Good Security

Installing secure locks, burglar alarms, and CCTVs will, at the very least, make your property less appealing to burglars; underwriters may consider this to be a lower risk, and this may lead to an overall reduction of the premium charged.

2. Increase Your Excess

The voluntary excess is the amount you contribute to a claim. An increased voluntary excess will reduce your premium, as long as the excess is set at a comfortable level for you.

3. Minimise Unoccupied Periods

A vacant property is generally seen as a higher risk by underwriters, and therefore, it is wise to try to restrict the gap between tenants as much as possible.

4. Combine Your Insurance Policies

Purchasing different forms of insurance as a bundle will frequently be cheaper than using individual policies, and you will also have the benefit of simplified administration.

5. Choose Tenants Wisely

Some insurance underwriters will take into consideration a tenant type as part of their risk appetite. Picking trustworthy and low-risk tenants will help to secure a better insurance result.

Compare Landlord Insurance Quotes in Minutes

Looking to protect your rental property? We have teamed up with Simply Business to make it easier to compare landlord insurance quotes. Visit the website for offers from multiple trusted providers in one place and find the relevant cover for you.

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What Do I Need to Get a Quote?

To get a landlord insurance quote, you will need:

1. Your current insurance policy documents (if you have any)
2. Details about your property and how long you have owned it
3. Some basic details about your tenants

What level of cover are you looking for We will ask a few questions, and then we will provide a list of quotes which are best for your needs.

Why Use Compare the Market?

We have partnered with Simply Business, who are specialists in small business insurance, to help you find landlord insurance that is specific to you:
Compare quotes from 15 leading insurance providers
Rated 4.9 out of 5 on Trustpilot

Optional Extras to Suit Your Landlord Insurance

Many landlords opt to enhance their insurance using optional extras, providing peace of mind and full protection for their investment. Some commonly used add-ons are:

1. Loss of rental income

Covers you when your property becomes uninhabitable because of damage, and helps you to maintain your income.

2. Legal expenses

Go towards the costs of court proceedings or disputes with tenants.

3. Cover for void periods

Covers you in case you are between tenancies.

4. Accidental or malicious damage

Compensation for damage caused by tenants, accidental or otherwise.

5. Public liability insurance

It would protect you if someone were to become injured on your property.

6. Boiler and home emergency cover

Covers emergencies, e.g. sudden breakdowns.

7. Rent arrears protection

Helps you if your tenant is unable or unwilling to pay their rent.

Some insurance companies also provide options to protect your no-claims bonus, which helps to keep your future premiums lower and rewards you for good management of your properties.

Frequently Asked Questions regarding Landlord Insurance

1. Is landlord insurance compulsory in the UK?

No, it is not actually a law. Nevertheless, it is mandatory for most buy-to-let mortgage lenders and highly recommended to secure your investment.

Yes – rent guarantee or rent arrears cover is an optional additional service provided by a lot of insurers.

No, personal possessions are subject to a tenant’s own contents insurance. Landlord insurance is on the building and is optional on landlord-owned contents.

Other insurers permit landlords to insure multiple properties on a single policy and at a discounted rate.

Yes, but coverage can be restricted and premiums can be higher. A lot of insurers demand extra unoccupied property insurance during the long vacancy.