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Landlord Insurance

From the basics to the specifics, Protect My Let shares all you need to know about landlord insurance and how to get the right cover for your rental property.

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What is Landlord Insurance?

Landlord insurance in the UK is a policy designed to protect you and your rental property against damage or losses.

Unlike standard home insurance, landlord insurance encompasses risks you face when you let out a property. This might include loss of rent and owner’s liability, buildings and contents, as well as occurrences like accidental damage.

Landlord insurance isn’t a legal requirement, but if you’re letting out properties, at Protect My Let we recommend taking it out and talking to us about what specific cover you require. After all, leaving a property without cover is like deciding not to take an umbrella on a cloudy day – only a lot more serious. And it’s a risk that can easily be avoided with the right guidance and policy.

We appreciate that your rental property is a significant financial investment – and hopefully a valuable source of income. And at PML we get that if anything does go wrong, without sufficient landlord insurance, you could be landed with some nasty costs – not to mention unhappy tenants.

The correct landlord insurance means you don’t have to worry about any of that – and with us, you can be sure you’re getting the very best deal you can.

What does Landlord Insurance cover?

*Please note this is available at no extra charge if you take out a policy with MS Amlin. We have a panel of 13 insurers all of which include legal expenses.

Landlord Insurance from Protect My Let: What you need to know

Protecting you – and your rental let

As a landlord, your rental property is always going to be a top priority. But what should you do if something goes wrong?

From a burst pipe to someone hurting themselves while they’re a tenant of yours or at your property, you need to be able to cover the costs of damage and accidents – and sometimes, these can be considerable. That’s where landlord insurance becomes the most powerful policy you’re likely to have.

Simply give us a call and chat to one of the PML landlord insurance specialists to explore your options.

Under the covers of Landlord insurance from PML

No landlord is the same as the next, and no two properties are exactly alike. Similarly, there’s no one-size-fits-all insurance policy for landlords.

That’s something our specialist team at Protect My Let really understand. We always take the time to get to know you and your requirements, so we can match the cover you actually need for both your property type and the tenants you let to.

However, as a starter for ten, these are some of the types of cover you can expect from us at PML:

Landlord buildings insurance – From the foundations to the roof, this keeps your buildings protected from risks such as fire and floods
Landlord contents insurance – protecting the contents provided by you that sit within your rental property, such as furniture and appliances
Loss of rent – covering your rent and helping you to keep up with mortgage payments in the event your property is unhabitable following an insured loss for up to three years
Alternative accommodation – covering the costs of providing alternative accommodation for tenants if your property becomes uninhabitable, for up to three years
Property owner’s liability – so you’re protected against claims for accidents or injuries that happen in your property
Accidental damage – ruined carpets, dents to walls, all included as standard to protect your property
Malicious damage – keeping you and your rental property safe from deliberate damage by your tenants
Extended periods of unoccupancy – we offer up to 90 days as standard in the event your property stands empty for longer than anticipated

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Our Landlord Insurance covers

Why choose Protect My Let?

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Frequently asked questions

Is landlord insurance compulsory?

Although not compulsory, landlord insurance is advisable. If you’re renting property, the cover available is extensive and comprehensive, whether you are letting one flat, a whole block, or a row of student houses.

Do I need landlord insurance and homeowners’ insurance?

No. As a landlord, if you get the correct landlord insurance cover, you shouldn’t also require homeowner’s insurance.

What type of landlord insurance do I need?

The very basic cover we recommend is buildings and contents cover, along with liability. But as no two properties are alike, your PML advisor can walk you through the most suitable and essential elements to supplement your landlord insurance.

Does landlord insurance cover contents?

Landlord insurance should cover the contents provided by the landlord. This can include fixtures, fittings and furniture. Although contents cover terms will vary between insurance providers.

Can I get landlord insurance for multiple properties?

Yes, you can. This is often one of two products called multi-property insurance or portfolio insurance. At Protect My Let we can work with you to define which framework is best for you and your lets.

How much does landlord insurance cost?

The cost of landlord insurance varies depending on your property and the type of tenants who you’re renting to. We advise that your main priority should be to secure a policy that’s built around your needs and the specifics of each of your rentals. That’s never going to be an off-the-shelf solution where you could end up paying for pointless extras while missing out on the essentials.

That’s why at PML we make sure your landlord insurance is exactly what you require. And because we’ve been in the business for so long and our specialist team have a wealth of experience and connections, we can access exclusive deals to get you comprehensive cover if that is what you are looking for.

So, to get a price, simply give us a call at PML and talk to one of our experts. Don’t worry, we’re not about the hard sell – in fact, we’re much more likely to go off-script to find you a better deal.

Get a landlord insurance quote online today.

Do I need landlord home emergency cover?

The question you should be asking yourself is: ‘What would I do if I had an emergency at one of my rental properties?’

And the answer is always easier to come by when you have a solution in place.

It’s easy to add on home emergency cover for only £86 when buying or renewing your landlord insurance. And it may make the difference between a small ceiling leak and a collapsed roof.

Here’s a snapshot of what our home emergency cover for landlords provides:

24/7 support – tenants can also make calls direct
No age restriction on boiler cover
No excess
And much more!

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Protect My Let is a trading name of Howden UK Brokers Limited, which is authorised and regulated by the Financial Conduct Authority No. 307663. Registered in England and Wales under company registration number 02831010. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.