What’s landlord insurance?
Landlord insurance protects landlords against the risks of renting out a property.
Depending on your property type and situation, you can insure the building and contents together or separately. It's peace of mind for busy people like you, safeguarding against things like loss of rent and unoccupancy.
Do I need landlord insurance?
Landlord insurance isn't a legal requirement, but buy-to-let mortgages usually need you to have specialist cover in place.
Standard home insurance won't cover you for everything a buy-to-let property needs – for example, you could face an invalidated claim if you have rented your home out.
What's covered?
Combined Insurance
This is your general landlord insurance which combines buildings and contents. It's usually cheaper than buying both separately, and may be the right fit if you rent out a furnished house. However, leaseholds can't get buildings cover.
We offer three levels of cover for Combined Insurance.
Admiral |
Admiral
|
Admiral
|
|
|---|---|---|---|
Buildings sum insured |
Unlimited | Unlimited | Unlimited |
Property owner's liability |
£1m | £2m | £2m |
Employer's liability |
£5m | ||
Alternative accommodation & loss of rent |
£30k | £75k | £100k |
Replacement locks & keys |
£500 | £750 | £1k |
Emergency access |
£500 | £1k | £2.5k |
Loss of metered water/oil |
£500 | £1k | £2.5k |
Sale of property |
|||
Unauthorised use of gas/electric/water |
£1k | £2.5k | |
Trace and access |
£5k | £10k | |
Unoccupancy |
30 Days | 60 Days | 90 Days |
Contents sum insured |
£25k | £50k | £75k |
Contents removal & temporary storage |
|||
Theft from garages and outbuildings |
£1.5k | £5k | |
Garden contents |
£1k | £2.5k | |
Garden plants |
£1k | £2.5k |
Contents Insurance
Contents insurance covers things inside your rented home, such as theft and vandalism. It's a good option if you're renting out a furnished flat.
We offer three levels of cover for Contents Insurance.
Admiral |
Admiral
|
Admiral
|
|
|---|---|---|---|
Contents sum insured |
£25k | £50k | £75k |
Alternative accommodation & loss of rent |
£10k | £15k | £25k |
Replacement locks & keys |
£500 | £750 | £1k |
Contents removal & temporary storage |
|||
Theft from garages and outbuildings |
£1.5k | £5k | |
Garden contents |
£1k | £2.5k | |
Garden plants |
£1k | £2.5k |
Buildings Insurance
Buildings insurance helps pay for damage to your rented home's structure and permanent fittings. It also protects your garages, outbuilding, and any other permanently fixed structure. However, leaseholds can't get buildings cover.
We offer three levels of cover for Building Insurance.
Admiral |
Admiral
|
Admiral
|
|
|---|---|---|---|
Buildings sum insured |
Unlimited | Unlimited | Unlimited |
Property owner's liability |
£1m | £2m | £2m |
Employer's liability |
£5m | ||
Alternative accommodation & loss of rent |
£30k | £75k | £100k |
Replacement locks & keys |
£500 | £750 | £1k |
Emergency access |
£500 | £1k | £2.5k |
Loss of metered water/oil |
£500 | £1k | £2.5k |
Sale of property |
|||
Unauthorised use of gas/electric/water |
£1k | £2.5k | |
Trace and access |
£5k | £10k | |
Unoccupancy |
30 Days | 60 Days | 90 Days |
What isn't covered?
What's not covered by your policy might be different depending on which cover tier you have.
Typically, our landlord insurance cover won’t cover:
- full accidental and malicious damage by a tenant (can be purchased as an add-on/ it’s included in Platinum policies).
- storm damage to your fence or gate.
- tenant belongings.
- pet damage.
- claims less than your excess.
- wear and tear.
However, always refer to your policy document to find what is and isn’t covered.
Optional add-ons
- Tenant damage to buildings
- Tenant theft
- Landlord Legal Protection
- Landlord Emergency cover
Find more information about the optional extras and any waiting times in our policy books.