Landlords Insurance is designed for owners of residential property that is rented to tenants.

It can combine ordinary property insurance with additional covers designed specifically for rental-property risks.

Depending on the insurer and cover selected, a Landlords Insurance policy can include:

• Building cover
• Landlord-owned contents
• Legal liability
• Loss of rent following certain insured events
• Malicious or intentional damage by tenants, where covered
• Theft by tenants, where covered
• Damage to fixtures and fittings
• Additional landlord-specific benefits

Building and contents cover #

Building cover can insure the residential structure and permanently attached items.

Contents cover may be relevant for landlord-owned property such as:

• Carpets
• Curtains and blinds
• Furniture
• Appliances
• Other contents provided for tenant use

The precise definition of building and contents differs between insurers.

Loss of rent #

Landlords policies may provide loss-of-rent cover in particular circumstances.

For example, rent may be covered where an insured event causes the property to become uninhabitable.

Some policies can also provide certain tenant-default benefits, but these vary significantly and should not be assumed to apply automatically.

Tenant damage #

Policies also differ in the way they treat accidental damage, malicious damage and deliberate damage by tenants.

Limits, excesses, exclusions and evidence requirements can apply.

For this reason, it is important to compare more than just the premium when reviewing Landlords Insurance.

If you rent out a residential property, contact our team to discuss the cover available.