Landlord Insurance Insurance policies created especially for landlords. Outstanding cover and excellent value – whatever size your property portfolio.

Landlord Insurance

As a landlord, you need to find reliable tenants while making sure your property is properly protected in case of any accidents, damage, theft or non-paying tenants.

Our insurance for landlords is tailored around the unique risks you experience and provides the best possible coverage at an unbeatable price.

Why do you need landlord insurance?

As a landlord, your property has unique risks owing to your tenant-landlord relationship and the likelihood that you aren’t in the property every day.

Landlord insurance tailored to your needs ensures that you’re covered for your legal requirements, the most common issues and the ones that might crop up, given your unique situation.

With our customisable plans, you can build the protection to suit you, paying for the coverage you need.

Why choose Legal for Landlords coverage?

• Trusted Landlord Liability Insurance: Our 4.9 rating on Trustpilot demonstrates our reliable experience in handling landlord insurance. This means you can be sure that we’ll guide you to creating the right level of landlord legal protection for your needs. With your legal obligations checked off, you can be assured that should anything unexpected happen, you’re covered.
• Comprehensive Property Protection: Protect your investments with cover for property values up to £5m, rent paid until vacant possession, and malicious damage—giving you peace of mind no matter who your tenants are.
• Reliable Maintenance Services: Enjoy 24/7, 365-day support with optional property maintenance cover, including annual boiler servicing and CP12 certification, ensuring your properties remain compliant and stress-free to manage.
• Time and Cost Efficiency: Simplify your property management with the option of one policy for multiple properties, fixed competitive rates, and no renewal price hikes based on claim history—saving you both time and money.

What isn’t covered by landlords’ insurance?

At Legal for Landlords, we try to make our cover as useful as possible to your role as a landlord. However, there are some scenarios that we cannot cover.

These include:

• Properties that you have let to a local authority with an unknown occupier
• Liability caused by asbestos
• Properties left unoccupied for more than six months
• Damage caused by an act of fraud from you or your employees
• Damage caused by illegal activity
• Entire mansion blocks and/or the flats within them
• Any HMOs with 5+ tenancy agreements or a tenancy agreement of less than 180 days

Does landlord insurance cover non-payment of rent?

If you opt for our Rent and Legal Protection Insurance, you’ll be covered for loss of rent. This includes:

• Rent paid until vacant possession (up to 12 months)
• Coverage of up to £5,000 per month in rental payments
• Legal expenses associated with evicting tenants or pursuing damages (up to £50,000)

How much does landlord insurance cost?

Each of our landlord insurance policies is built to the unique needs of the individual landlord. Get in touch for a quote today to see how much your tailored policy will cost.

Does landlord insurance cover damage caused by tenants?

Yes, our building insurance for landlords covers damage caused by tenants to your property valued at up to £5m. This includes cover for malicious damage.

What types of properties do you offer your landlord cover for?

We offer UK landlord insurance coverage for a variety of property types, including:

• Landlord Home Insurance: Standalone properties rented to individual families.
• Multi-Property Landlord Insurance: Buildings with multiple units, such as apartments or duplexes.
• Houses in Multiple Occupation (HMOs): Properties rented to three or more unrelated tenants sharing common areas.
• Commercial Properties Landlord Insurance: Our commercial landlord insurance covers buildings used for business purposes, including offices, shops, or warehouses.