LANDLORD INSURANCE 

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Regular home insurance does not adequately cover a landlord, who rents out their property to tenants. Because the landlord is taking on the risk that they may not be able to receive income on the property, it is wise to ensure that if that 'worst-case scenario' does take place, they have a good landlord insurance policy to deal with the financial fallout. For instance, if a dispute arises between the tenant and the landlord aspects like this can be included in a good landlord insurance policy. The 'get a free insurance quote' button gives you access to the Seopa Insurance quote system which offers access to additional insurers from those listed in the table below. www.whichwaytopay.com is owned by Which Way to Pay Limited, who are an Introducer Appointed Representative of Seopa Ltd. The insurance quote system is owned and operated by Seopa Ltd, who are authorised and regulated by the FSA, number 313860. For more information please see disclaimer.

Search Report: ALL     Landlord Insurance Providers     Landlord Insurance Brokers

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

PROVIDERTYPE

TYPE

Broker or Provider

PERSON INFO

LANDLORD INFO

Landlord and property information necessary

POLICY

POLICY

Details of the insurance policy

COST

COST

Cost of policy

EXCESS

EXCESS

An excess is a payment you have to make if you decide to claim on your policy

COVER

COVER

Details of cover available

METHODS

METHODS

Application Methods available

SUITABLE

SUITABLE

Who insurance is suitable for

RESTRICTIONS

RESTRICTIONS

Restrictions for applicants

MORE INFO

Simple Landlord Insurance
Simple Landlord Insurance

ProviderComprehensive range of properties - all sizes, ages, conditions and locations.Simple Landlord InsuranceFrom £9 a monthVariesType

Cover Type

Landlord Buildings Insurance and Buy to Let Insurance


Level

Cover Level

Standard


Detail

Cover Detail

1. Up to £2 million Buildings Insurance Cover
2. Up to £75,000 Contents Cover
3. Landlords Legal Liability with £2 million cover as standard
4. Free Accidental Damage Cover on Buildings Insurance
5. Loss of Rent Cover
6. Alternative Accommodation Cover
7. Legal & Professional Fees Cover
8. Home Emergency Cover

OnlineSuitable For

Suitable For

If you are renting out your property

Restrictions

Restrictions

Exclusions apply - see policy wording for details.

Simple Landlord Insurance
Landlord Insurance is perfect for you if you are renting out your property. If you are looking for a better deal and want to keep it simple then apply for a quote online in a few minutes. This landlord insurance solution provides you with 24/7 access to managing your policy online. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company who will be able to answer any questions. DETAIL INFORMATION >>Services

Services

Free Accidental Damage Cover on buildings


Advantages

Advantages

1. Save up to 40%!
2. No broker fees!
3. Free Accidental Damage cover included with all buildings insurance!
4. Manage your policy online 24/7.
5. offer cover for a wide range of tenants types, some of which are often declined by other landlords insurance providers.


Disadvantages

Disadvantages

1. Be sure to read policy document for exclusions that may apply.

Direct Line Landlord Insurance
Direct Line Landlord Insurance

ProviderLandlords, buy-to-let owners or management companiesDirect Line Landlord InsuranceAvailable at £16.55 per monthFrom £100Type

Cover Type

Buildings cover as well as public and property owners liability


Level

Cover Level

Standard


Detail

Cover Detail

Standard Cover
Buildings: cover against damage to your building including fixed glass and landlord's fittings, arising from perils such as fire, flood and theft
Accidental Damage to your buildings: this provides cover for damage caused: to underground drains, pipes and cables
to fixed glass and sanitary ware
to the structure as a result of an accident e.g. drilling through power cables or water pipes
(please note: this policy does not cover theft or malicious damage by tenants and persons lawfully on the premises)
Public liability: up to £2m of cover for compensation payable arising from injury to third parties or damage to their property caused by you in the course of your business and for which you are held legally liable. You can increase the limit of cover if required.
Optional Covers
Landlord's Contents: cover for fixtures and fittings, furniture, furnishings, utensils and domestic appliances belonging to you arising from perils such as fire, flood and theft. Also, if you take out Landlord's Contents Cover, you automatically get Accidental Damage to Contents as standard. This covers you for:
Accidental damage to furniture, furnishings, utensils and domestic appliances belonging to you as the Landlord
breakages to mirrors and glass
day-to-day accidents such as paint or wine spillages
(please note: this policy does not cover theft or malicious damage by tenants and persons lawfully on the premises)
Rent Receivable: cover against loss of rental income caused by damage to your property, plus reasonable additional expenses to mitigate the effects of the damage you suffered. Cover includes provision of alternative accommodation and up to £10,000 and book debt cover.
Employers' liability: up to £10m of cover against compensation claims by your employees injured in the course of employment by you where you are held legally liable, as well as expenses and legal costs arising from such an injury.
Personal Accident: benefits are payable in the event of the death or temporary or permanent disablement of specified employees arising from an accident.
Equipment Breakdown: cover against direct physical damage to equipment resulting from breakdown, building collapse or events such as boiler explosions.
Interested? Why not get a Landlord Insurance quote!
Terrorism Insurance: if you would like to add cover against damage to property and loss of income as a result of an act of terrorism to your Residential Landlord Insurance please call us on 0845 301 4827.

Online, TelSuitable For

Suitable For

For landlords, buy-to-let owners or management companies

Restrictions

Restrictions

18s and over.

Direct Line Landlord Insurance
Direct Line Landlord Insurance is perfect for landlords, buy-to-let owners or management companies who own or manage residential properties and are responsible for insuring the building or freehold with tenancy agreements of six months or more. They offer a range of protection including buildings cover as well as public and property owners’ liability up to £2m. Plus we guarantee to beat any quote for the same cover. Please read the terms and conditions of the policy carefully before you apply. Please click for more info. DETAIL INFORMATION >>Services

Services

As well as increasing many of the above limits you can extend cover to include: Landlords contents insurance, including those contained within communal areas Loss of rent following an insured event Employers' liability


Advantages

Advantages

1. A range of protection including buildings cover as well as public and property owners' liability up to £2m
2. Public liability - Protection in the event your tenant claims against you for an injury, and you are found to be legally liable. Public liability insurance will cover costs associated with legal action
3. Contents only cover for landlords with leasehold properties, such as flats, where the buildings insurance may already be arranged by a freehold management company
4. Alternative accommodation costs following an insured event, for example a flood or fire (up to 20% of the rebuild value of your property)
5. Glass and locks replacement
7. Accidental damage to your property


Disadvantages

Disadvantages

1. Exclusions and limitations apply. See Policy Wording for details.

Quoteline Direct
Quoteline Direct

BrokerProperties let to all sorts of tenantsQuoteline Direct Landlord InsuranceAvailable at £61.13 per month£50 - £1000Type

Cover Type

Building, Contents and Buildings and Contents


Level

Cover Level

Standard


Detail

Cover Detail

Varies according to policy

OnlineSuitable For

Suitable For

If you would like to protect your investments

Restrictions

Restrictions

Ask on application

Quoteline Direct
Quoteline Direct is an insurance broker with a difference who offer competitive packages which you will not find anywhere else. They negotiate directly with the biggest names in the business and guarantee that if their quote isn't at least 10% cheaper than your renewal call them and they guarantee to make it 10% cheaper. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. Please click for more info. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company. DETAIL INFORMATION >>Services

Services

1. 24/7, 365 day Home Emergency Assistance covering problems such as failures to the Electrical system, heating or hot water supply, plumbing and drainage problems, gutters and downpipes, security and glazing, pest contamination. For less than £25 per year and up to £1,000 per claim for parts and labour
2. Landlord's Legal Expenses providing up to £25,000 cover for incidents such as Tenant eviction proceedings, property disputes, defence against criminal prosecutions
3. Rent guarantee can also be added to the Legal Expenses policy providing cover for rent arrears where you are evicting the Tenant


Advantages

Advantages

1. At least 10% cheaper guaranteed - if our quote isn't at least 10% cheaper than your renewal call us and we'll guarantee to make it 10% cheaper
2. Cover provided for the damage caused by the tracing of leaks
3. You decide exactly what type of policy you need; whether it's buildings insurance, contents insurance or a combined policy
4. Access to a wide range of specialist policies
5. A number of our insurers award sizeable discounts for claim free years; great news for first-time landlords
6. There's no paperwork to fill in; which means that we can arrange instant cover
7. Choose from a variety of payment schemes, including Direct Debit (details available on request)
8. We can cater for properties let to all sorts of tenants e.g. professionals, students, DSS tenants. Also properties let direct to universities and companies


Disadvantages

Disadvantages

1. If you make a claim you will have to pay an excess
2. Fees and charges are not disclosed until you have made an application

Endsleigh Landlord Insurance
Endsleigh Landlord Insurance

BrokerBuy-to-let properties, including single flats, flats in blocks, commercial property, shared houses and family housesEndsleigh Landlord InsuranceAvailable at £25.41 per month£250 - £1000Type

Cover Type

Buildings or Content, Building and Contents


Level

Cover Level

Standard


Detail

Cover Detail

Cover for buildings and contents, or both.
We cover malicious damage by tenants or guests up to £25,000.
We search a panel of selected top landlord insurers to find you our best policy, at the lowest price.
We also provide comprehensive legal and home emergency cover on your buildings or contents policy

OnlineSuitable For

Suitable For

Limit your exposure to risk and therefore, protects your financial wellbeing.

Restrictions

Restrictions

See website for details

Endsleigh Landlord Insurance
This landlord’s policy has been developed to include excellent features such as a 'contents only' option and optional home emergency expenses. Endsleigh now provide cover for tens of thousands of buy to let properties. We insure all types of buy to let properties such as single flats, flats in blocks, commercial property, shared houses and family house lets. See how much you could save with Endsleigh – get a quote now. Please make sure that you read the terms and conditions carefully before purchasing landlord insurance. DETAIL INFORMATION >>Services

Services

Optional EXTRA home emergency and accidental damage cover


Advantages

Advantages

1. EXTENDED unoccupancy cover for your buildings/ contents for periods of up to 120 days
2. Optional EXTRA home emergency and accidental damage cover
3. LOW excesses


Disadvantages

Disadvantages

1. You will have to pay an excess if you make a claim.
2. Check the policy wording for any exclusions that apply.

Endsleigh Rent Guarantee
Endsleigh Rent Guarantee

BrokerWhether you own a large portfolio of properties or just a single investmentEndsleigh Rent GuaranteeAvailable at £64.60 per monthVariesType

Cover Type

Endsleigh Rent Guarantee


Level

Cover Level

Standard


Detail

Cover Detail

1. Legal Defence Cover paid to defend any legal action taken against you arising from the letting of you property.
2. Legal Prosecution Cover we will pay for you to pursue costs for damage caused to your property.
3. We will pay for action to remove squatters living in your property without permission.

OnlineSuitable For

Suitable For

Rental income protection

Restrictions

Restrictions

You can only purchase insurance for one property per quotation.

Endsleigh Rent Guarantee
Endsleigh offers specialist legal expenses and rent guarantee insurance. Make sure your rental income is protected - Endsleigh's policy provides legal defence, legal prosecution and rent arrears cover. Choose the most appropriate cover for you, with 6 and 12 month policies available. Please remember that insurance policies vary and it is important to read the terms and conditions before you purchase anything to ensure that you are covered. If you need more information please don't hesitate to contact the company. DETAIL INFORMATION >>Services

Services

1. Legal Defence Cover paid to defend any legal action taken against you arising from the letting of you property.
2. Legal Prosecution Cover we will pay for you to pursue costs for damage caused to your property.
3. We will pay for action to remove squatters living in your property without permission.


Advantages

Advantages

1. Protection against rent arrears while we handle your repossession claim
2. Action to remove squatters
3. Legal defence cover


Disadvantages

Disadvantages

1. Exclusions apply to all the policies.

If you wish to speak to someone: Contact Us or Enquiry Line: +44 (0) 207 386 5300

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Compare Landlord Insurance

Landlord insurance is insurance for anyone who rents out their property to paying tenants.

What is Landlord Insurance?

Landlord insurance exists to protect landlords during certain circumstances where they could be liable. Whether you are a single landlord renting out a second home, or a large-scale property investor with a large portfolio of properties under your belt, landlord insurance is really important if you want to ensure that your money and investment is protected

Landlord insurance is used for a variety of reasons. If legal expenses are necessary landlords will be compensated for any legal fees. If the property is damaged landlord insurance will help cover the costs to repair the damages and can compensate the landlord for any loss of rent.

What is covered?

Landlord insurance covers the physical building itself against events such as fire, smoke, weather damage, burglary, flooding and vandalism. You can also get cover for the contents within the building such as appliances and furniture. A policy can help you with the costs of repairing the property whether extensive or minor.

Liability cover is an essential aspect of a landlord insurance policy and many providers offer cover of up to £2 million.

Finding the right policy

When you take out any insurance the policy must be carefully reviewed so you understand exactly what is and is not covered. You could find that coverage may be limited to damage of the interior or exterior of the property.

There is a variety of coverage available so you should consider your different options carefully before purchasing a policy. You can use the table above to compare different products to help you find the policy best suited to you and your needs. Always read the terms and conditions fully and watch out for any hidden administration fees that can be expensive.

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LANDLORD INSURANCE - LATEST NEWS News and Charts

Are You A Landlord?

05 July 2011
Which Way to Pay

Normal home insurance does not always cover you if you rent your property to paying tenants. Landlord Insurance could be for you if are renting out a second home, or if you have multiple properties.

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