Landlord insurance: what cover to consider
Whether landlord insurance is a legal requirement, the main types of cover and how to make sure a policy never lapses.
By Paul Ashley, Founder of LET NEXUS and landlord since 2015
Last reviewed · 3 min read
Landlord insurance isn't a legal requirement in itself, but most mortgage lenders require buildings insurance, leaseholders are often covered through the freeholder, and a standard home insurance policy usually won't cover a let property.
Common types of cover
- Buildings insurance for the structure.
- Contents insurance for anything you provide, such as furniture and appliances.
- Property owner's liability, in case someone is injured at the property.
- Rent guarantee and legal expenses cover.
- Specialist policies for HMOs, holiday lets or empty properties.
Avoid gaps in cover
Tell your insurer about changes such as the property becoming empty, a change of tenant type or building work, and put each renewal date in your calendar well ahead of time.
Your checklist
- Check your lender's insurance requirements
- Make sure each policy covers letting
- Tell your insurer about empty periods or changes
- Store each policy and renewal date
- Set a reminder at least a month before renewal
Frequently asked questions
Does landlord insurance cover the tenant's belongings?
No. Tenants need their own contents insurance for their belongings.
Official guidance
This guide is general information for landlords in England and isn’t legal advice. Rules differ in Scotland, Wales and Northern Ireland, and can change. Always check the official guidance or take professional advice for your situation.
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