Landlord Insurance

What is landlord insurance?

Landlord insurance is designed to protect rental properties and landlords against risks that don’t apply to standard home insurance. We’ll help you understand what cover is usually required, what’s optional, and how it fits alongside a buy to let mortgage.

Landlord insurance provides cover for properties that are rented out rather than lived in by the owner. It typically includes buildings insurance and may also cover landlord-specific risks such as loss of rent, property damage by tenants, and legal expenses.

Standard home insurance usually doesn’t cover rental properties, which is why landlords often need a dedicated policy. The exact cover required depends on the property type, tenancy arrangement, and lender requirements.

People usually arrange landlord insurance when purchasing a buy to let property, remortgaging, or changing tenants. Policies can be tailored to suit single properties or portfolios.

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Who is it for?

Landlord insurance may be relevant if:

  • You own or are buying a buy to let property
  • The property is rented to tenants rather than owner-occupied
  • Your mortgage lender requires landlord-specific cover
  • You want protection against rental-related risks
  • You manage one or more rental properties

We’ll help you understand what cover is appropriate based on how the property is let and your responsibilities as a landlord.

How The Mortgage Heroes help

We provide landlord insurance advice, aligned with your buy to let mortgage and property setup.

We’ll explain what your lender requires, what additional cover options mean, and whether they’re relevant to you. There’s no obligation to proceed, and no pressure to change existing cover if it already meets your needs.

If you do need insurance, we’ll help arrange cover that fits your property, tenancy type, and long-term plans.

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FAQs

  • Is landlord insurance required for a buy to let mortgage?

    Most buy to let lenders require suitable landlord buildings insurance to be in place. This ensures the property is protected while it’s rented out. We’ll explain what your lender typically expects and help you arrange cover at the right time.

  • What’s the difference between landlord insurance and home insurance?

    Landlord insurance is designed specifically for rental properties and covers risks that standard home insurance doesn’t, such as tenant-related damage or loss of rent. Using the wrong type of policy can leave gaps in cover.

  • Does landlord insurance cover loss of rent?

    Some policies include loss of rent cover, while others offer it as an optional extra. It typically applies if the property becomes uninhabitable due to an insured event. We’ll explain what’s included and when it may be useful.

  • Do I need different cover for different types of tenants?

    Sometimes, yes. Letting to students, multiple occupants, or housing benefit tenants can affect insurer criteria. We’ll help ensure your policy matches how the property is let.

  • Can landlord insurance cover legal expenses?

    Many policies offer legal expenses cover as an option, which can help with disputes or eviction proceedings. We’ll explain what’s covered and whether it’s worth considering.

  • Can I insure multiple properties under one policy?

    Often, yes. Portfolio policies can be suitable for landlords with multiple properties. We’ll explain how these work and whether they make sense for you.