How To Choose Landlord Insurance
Overview
What this guide covers
This guide explains the different types of landlord insurance cover, what each section protects, what is typically excluded, and how to choose a policy that matches your property and tenant type.
Who it is for
Any landlord in England looking to arrange or review insurance for a residential rental property.
What this guide does not cover
- –Commercial property insurance
- –Block of flats insurance (different product)
- –Tenant contents insurance (the tenant arranges this separately)
Before you start, you will need:
- ·Property address and rebuild value (from your last survey or mortgage valuation)
- ·Details of the property type (house, flat, HMO)
- ·Intended tenant type (professional, DSS/Universal Credit, students, sharers)
- ·Whether you have a mortgage (lender may require buildings insurance)
When To Use This Guide
Use this guide when:
- ✓You are arranging insurance for a new rental property
- ✓Your existing policy is up for renewal and you want to review your cover
- ✓You have changed tenant type or property use and need to check your policy still applies
Do not use this guide if:
- ✗You are insuring your own home — standard home insurance is a different product
- ✗You are insuring a commercial property