Landlord Insurance from Admiral
Learn about Admiral's Landlord Insurance and what it can offer you.
Landlord Insurance
Your core landlord insurance – what it covers, what it doesn’t, and everything in between.
Cover yourself
Landlord Legal Protection
Want that extra peace of mind? Check out our legal cover add-on.
Find out more
Landlord Emergency Cover
Protection against unexpected incidents in your rental property.
Learn moreThe Legal Depot
If you have a Landlord Legal Protection policy with us, you have 12 months free access to our Legal Depot.
The Legal Depot is a hub of legal templates and tools designed to help you manage your properties.
It contains guides on topics like deposits and guarantors, financial planning, tax and more.
You can also use it to draft and share documents like tenancy agreements and rent increase notices.
Watch our video guide to find out what the Legal Depot can do for you.
Your cover, explained
How does your landlord insurance cover you?
Legal cover explained
Do you have Landlord Legal Protection with us? We explain everything you need to know about your cover.
Know your policy
Landlord contents insurance
Our definitive guide to landlord contents insurance and what it covers.
More on your coverYour questions answered
Do I need contents insurance as a landlord?
You can cover some contents with a combined or contents-only landlord insurance policy.
Fixtures and fittings are covered under buildings policies. For leaseholders, fixtures and fittings are covered under contents policies.
Leaseholders can only get contents cover. As with all insurance policies, please check your policy book for exclusions.
Do I need buildings insurance when purchasing a buy-to-let?
If you're the freeholder of a buy-to-let it's your responsibility to insure the building, not the tenant's. You'll need to arrange buildings cover to make sure you're covered.
Does landlord insurance cover boiler replacement?
Landlord Emergency Cover doesn't cover boiler replacements, but we'll cover a temporary repair if your boiler completely fails.
Is landlord insurance tax deductible?
You can deduct landlord insurance if you pay for it yourself.
Also, if your landlord insurance covers the cost of maintenance and repairs to the property, you can claim for the additional expenses incurred that the insurance payout doesn’t cover.
Find out more about tax and your rental property here.
How do I claim on my landlord insurance?
Before you make a claim, it’s important to double check your policy documents to check:
- you’re covered for everything you need to claim for
- your policy limits
- your excess
Once you’re ready, log in to MyAccount or head to our make a claim page to start the process.
Does landlord insurance cover loss of rent?
Yes.
If your property isn’t fit to live in because of loss or damage, we’ll pay the amount of rent you’ll no longer receive.
Does landlord insurance cover accidental damage?
You can choose to add accidental damage cover as a policy upgrade to your landlord insurance policy, or it’s included as standard on Platinum policies.
Do landlords have to have contents insurance?
It depends if you’re renting out your property as furnished or unfurnished.
If you’re renting your property as furnished, it’s a good idea to have contents insurance to protect your furniture and any other goods you’re leaving for your tenants to use.
Do I need landlord insurance if my property is unoccupied?
If you have Landlord Insurance with us, we’ll cover your unoccupied property for up to 30 days.
But if your property is going to be unoccupied for longer, you may need to look at specialist insurance to make sure it’s protected.
There are still risks and damage that could happen to your property while it’s unoccupied – for instance, weather-related incidents.
Policy books
We always recommend getting familiar with your policy book.