Every landlord needs essential let property insurance because standard home insurance won’t cover rental properties, and without specialist cover you’re exposed to significant financial and legal risks. Let property insurance protects your investment against damage caused by fire, flood, storms, leaks, and even accidental or malicious damage by tenants, while also covering loss of rent if the property becomes uninhabitable so your income remains secure.
It provides vital landlord liability protection in case a tenant or visitor is injured and makes a claim, and can fund alternative accommodation for tenants after an insured incident, helping you meet your obligations and avoid disputes. With optional legal expenses cover for issues like evictions, tenant disputes, and debt recovery, landlord insurance safeguards both your property and your business, offering the peace of mind and professional protection every landlord needs.
With the Renters’ Rights Bill set to ban “no-fault” evictions (Section 21 notice) and tighten rules on rent increases, landlords face more hurdles than ever. Rent & Legal Protection gives you a safety net in a shifting legal landscape.
“Already dealing with arrears? See our Step-by-Step Guide to Tenants Not Paying Rent for immediate advice.”
At LegalforLandlords, we don’t just sell insurance – we provide complete support for landlords.
✔ Loss or damage to your property caused by fire, smoke, explosion, lightning, earthquake, storm, flood, theft, escape of water (e.g. from burst pipes or tanks), malicious acts, riot, subsidence, collision by vehicles or animals, falling trees, collapse of aerials or satellite dishes
✔ Cover up to the Sum Insured chosen by you as being the cost of Rebuilding the property.
✔ Trace and Access to find an escape of water up to £2,500 from any fixed water or heating installation.
✔ Loss of your normal Rental Income resulting from damage by an insured event up to 12 months or £10,000 per claim.
✔ Alternative Accommodation for your tenant up to 12 months or £10,000 per claim.
X Property that is left unoccupied for more than 30 days.
X Malicious damage caused by you, your family or your tenant.
X Wear and tear.
X Damage caused by Domestic Pets or Vermin.
Company: This insurance is arranged by Arkel Underwriting. Arkel Underwriting is a trading style of Arkel Limited which is authorised and regulated by the Financial Conduct Authority. Firm Reference No (FRN 916682). Arkel Limited is registered in England and Wales (company no. 11031900) with its registered office at 22-23 Cromwell Business Park, Banbury Road, Chipping Norton, OX7 5SR.
AXIS Managing Agency Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Firm Reference Number 754962).
AXIS Managing Agency Ltd is the managing agent of AXIS Syndicate 1686 at Lloyd’s and subject to the supervision of the Society of Lloyd’s. AXIS Managing Agency Ltd is registered at 52 Lime Street, London EC3M 7AF (Company Number 08702952)
For full details see our Policy Document (PDF) | Policy Wording (PDF)
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