Every landlord needs Residential Property Investors Insurance because standard home insurance doesn’t cover the unique risks that come with renting out multiple or investment-focused residential properties, leaving you exposed financially and legally. This specialist cover protects your portfolio against major events like fire, flood, storms, leaks, and accidental or malicious tenant damage, while also safeguarding your rental income if a property becomes uninhabitable.
It provides essential liability protection should a tenant or visitor be injured due to an issue with the property, and can include legal expenses for disputes, evictions, and debt recovery – costs that can escalate quickly without support. With rising repair costs, evolving regulations, and increased claims across the rental sector, Residential Property Investors Insurance ensures your assets, income, and long-term investment strategy remain secure.
It matters now more than ever for residential property investors to have the right insurance because rising repair costs, higher claim frequencies, and increased economic pressure on tenants all create greater financial vulnerability for landlords. Market uncertainty has led to more arrears, more void periods, and greater risk of property damage going unnoticed, while inflation has significantly increased the cost of reinstating or repairing a property after an insured event.
At the same time, regulatory changes and stricter compliance obligations mean landlords face higher legal and liability exposure than in previous years. In this environment, Residential Property Investors Insurance isn’t just sensible – it’s essential protection that ensures your portfolio, income, and long-term investment plans remain resilient amid today’s challenges.
“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 of rent up to 30% of buildings sum insured.
✔ Fire, explosion, lightning or earthquake, riot, civil commotion, malicious persons & vandals, escape of water from any tank, apparatus, pipe or sprinkler installation, Theft or attempted theft by forcible and violent entry/exit, and more.
✔ Property owners’ liability up to £2,000,000.
X Cover for the commercial activity of a business.
X Individual flat in isolation.
X Premises in the course of construction.
X Properties unoccupied for more than 24 months.
Company: Folgate Underwriting is a trading name of Folgate Underwriting Agency Ltd registered in England and Wales No. 2852425
Authorised and regulated by the Financial Conduct Authority under reference number 304782
For full details see our Policy Document (PDF) | Policy Wording (PDF)
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