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Landlords insurance

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With over 35 years’ experience, we know that no two rental properties are the same and no two landlord insurance policies are either. Whether you’re a first time landlord, a portfolio property owner or an Air BnB host, feel confident that your most valuable investment is protected with our bespoke landlord insurance policies.

We work from a selected panel of quality insurers to find you the best policies at an affordable price.

As a leading supplier of landlords’ insurance in the UK and winner of Service Supplier of the Year at the Landlord and Lettings Awards twice, we’re determined to ensure that our customer service levels continue to set us apart from the competition

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The Alan Boswell Difference

Best landlords insurance

With our own landlord insurance products managed in-house, we provide a unique service, with pricing, underwriting and claims primarily managed by us.

Our advice and service has been recognised by the industry and our feedback scores are proof of our consistently high standards.

Read our Stimpson Properties insurance case study or  Taylor Properties insurance case study to see how our expert knowledge and advice is delivered through excellent customer service.

How our customers rate us

Excellent personal service with a very polite helpful person who listened and did not try and force a sale. Cannot rate highly enough.

Mr Khan - Landlord Insurance

Landlord Insurance

What is Landlords Insurance?

Landlords Insurance provides financial protection to landlords who rent out a property(s) to tenants. It varies from a Home Insurance policy as it covers the increased risks associated with renting a property to tenants. It can include buildings insurance, contents insurance, property owners’ liability, Loss of Rent following a claim and accidental damage. Landlords’ insurance is not a legal requirement, however, it is vital to protect your financial investment.

Do I need landlord insurance? Is it legally required?

Landlord insurance is not a legal requirement. However, if you have a mortgage on your property, your lender may require you to take out insurance before you take on tenants.

Whether the property is a short, medium or long term investment, it’s wise to put the correct protection in place. As a landlord, you may be faced with unique challenges and additional financial outgoings to ensure the property is kept up to standard. Having the right insurance in place gives you peace of mind should the worst happen.

Alan Boswell Group has won the best landlord insurance provider award in 2018 and 2019. We offer specialist insurance designed to meet the particular needs of the first-time landlord through to landlords with a portfolio of properties.

We know how complex is it to be a landlord. There is a mass of legislation and regulation to understand, plus the pressure of attracting decent tenants, collecting rent and maintaining the property. We have been insuring property since the company was founded in 1982; our aim is to make your job easier by giving you essential advice on insurance and providing you with competitive protection to help you save time and money when safeguarding your investment.  

What does Landlord’s Insurance Cover?

Landlord insurance products can differ dramatically, which is why it’s essential to compare policies and make sure they are right for you and your situation. The most essential cover is buildings and contents; however, landlords can take out additional insurance policies to cover against:

• Damage to your property by the tenant
• Non-payment of rent
• Emergency overnight accommodation for the tenant
• Emergency repairs
• Liability for loss or injury related to your rental property
• Loss of rent or costs of alternative accommodation if your tenants have to move out following an insured event

What type of landlord insurance do I need?

There are many types of landlord insurance available to help landlords and property owners get the correct cover. The options vary according to the level of cover you want and the sort of property you look after.

Landlord buildings insurance

If you own the freehold of the property buildings insurance is essential, landlord or not. It typically provides cover for loss or damage caused to the building itself, for example, in the case of fire or flood. Some building insurance policies cover malicious damage caused by tenants.

Landlord contents insurance

Of course, tenants are responsible for insuring their own personal belongings. However, if you’re renting out a furnished property, you might want to cover the furniture you’ve provided to your tenants.

If you’re renting out flats, you could consider contents insurance to cover communal spaces such as halls, reception areas, stairs and landings. Many policies include this cover as standard, and you can tailor its limit to your needs. You can also add accidental damage cover which covers spills, breakages and damage caused by your tenants.

Rental Protection insurance

If your property is damaged and you’re unable to rent it out, you’ll lose the rental income you were expecting. Rental protection insurance, also known as cover for loss of rent, will protect you in this situation. It’s essential to accurately assess the rebuilding period for your property before you take out this cover and you should read the lease carefully as it may make specific requirements for this.

Legal expenses insurance

This is for landlords who want cover for legal costs and legal advice. It will protect you in the case of a dispute relating to your property and tenants.

Features can include:

  • Cover for legal disputes that relate to your properties
  • Access to legal advice helpline
  • Legal expenses cover for evictions
  • Tax investigation cover

Rent Guarantee Insurance

This policy protects you against non-payment of rent. If a tenant defaults on the rent, or can’t pay for whatever reason, you can activate this policy to claim back any money you have lost.

Landlords liability (public liability) insurance

If your tenant or visitor has an accident in your property and considers it to be your fault as the property owner, they may take legal action against you. Public liability insurance will cover your legal defence costs and expenses, as well as any damages awarded. Liability claims can be costly, so many policies offer in excess of £1m of cover for any one claim. Options of £2m, £5m and higher are also available, and these can be beneficial in particularly challenging situations.

Employers liability insurance

This is a legal requirement if you employ anyone at your rental property, such as a cleaner, gardener or volunteer, who work is under your supervision. You are responsible by law for arranging employers liability insurance to cover your legal costs and any awards made in the case of accidental injury, illness or disease caused to staff due to your negligence.

Specialist cover : As well as understanding the types of insurance you might need as a landlord, you should also consider the kind of rental property you have as there are all sorts of specialist policies available.

Unoccupied property cover

This is essential if you plan to make renovations to your property before you rent it, or if you are in-between tenants for longer periods of time. In this instance, ‘unoccupied’ usually means that nobody has lived in the property for over 30 days.

Houses in Multiple Occupancy (HMO) insurance

If your property has more than three tenants (not from the same family), general landlord insurance is not adequate – you will need HMO insurance.

Holiday home insurance

If you have a holiday home in the UK you will need cover all year round, whether there are guests or not.  Holiday home policies can provide full cover for extended periods between guests and would include Public and Employers Liability cover.  Cover can be provided whether you let the holiday home out to the public or just to friends and family.

Serviced accommodation insurance

This policy is for properties which are rented per-room on a nightly basis. Typically these are self-contained rooms, but occasionally they may be within a private dwelling. Rooms generally are serviced daily.

Block of flats insurance

Sometimes referred to as block insurance, this is for landlords or flat management companies. You will need a different policy if you are the freeholder of the flat or a leaseholder. The building will need to be insured, and this should be covered by the owner(s) of the block of flats (the freeholder).

Airbnb insurance

A specialist policy to cover all the different scenarios that come about when renting your property on Airbnb. It’s not a standalone policy as it’s not one-size-fits-all with Airbnb, and so any policy will be carefully put together to cater for your situation.

Multi-property landlord insurance

The clue is in the name! This cover is for any landlord with more than one property. Having a diverse property portfolio means you might have different rental arrangements across several different sorts of properties – any of those mentioned above. A multi-property landlord insurance policy will cover your entire portfolio, either in one over-arching single policy or spread across several policies for each individual property.

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Landlords Insurance products and add-ons

We offer bespoke policies, and they can include the following forms of cover:

Landlord Building Insurance

Landlord building insurance is a vital cover for your rental properties we can search the market, compare quotes and arrange your insurance so you get the best insurance available

Read more
Rent Guarantee Insurance

Provides insurance for non payment of rent in the event of a tenant defaulting as well as any landlord legal expenses cover of up to £100,000

Read more
Landlord Legal Expenses Insurance

Provides cover for your rental property, including repossession of property and other legal disputes.

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Tenant Referencing

Referencing of tenant(s) employment history, tenant history, identity and credit history and affordability.

Read more
Landlord Home Emergency Cover

Home Emergency Cover for your own or rental property in the event of a domestic emergency e.g. boiler breakdown, failure in utilities etc

Read more
Multi-property landlord insurance

Multi-property Landlord Insurance for your residential and or commercial property portfolio.

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Block of flats insurance

A comprehensive flat insurance policy tailored to your requirements will give you peace of mind, talk to one of our specialists today or get a quote online

Read more

How much is Landlords Insurance? 

Costs for landlords insurance will depend on what level of cover you choose. You may want cover for the unexpected loss of rental income or damage to your buildings or the contents within the property.

Other unwelcome complications and additional costs could come from having to find alternative accommodation for your tenants should your property become uninhabitable.

Every landlord’s situation is as unique as their property, so there’s no ‘one-size-fits-all’ answer when it comes to insurance.

Alan Boswell Group can arrange cover for building and contents insurance, contents only, buildings only, rent guarantee, legal expenses or rent guarantee with legal expenses, as well as portfolio insurance for landlords who own property portfolios.

We provide a range of optional extras including accidental damage by tenants or excess protect, this means we can tailor bespoke solutions to meet your needs.

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FAQs

  • We accept self-contained dwellings let to single occupants, couples, bed-sit accommodation with shared facilities and houses in multiple occupations (HMOs). We can also insure most commercial and part-commercial let properties at competitive rates. Read more on our article: What is an HMO?

    Quotations for commercial let properties are not currently available online, please phone or email us. Hostel and B&B type properties, care homes, nursing homes and properties catering for specific disadvantaged, vulnerable or problem occupants cannot be insured on the scheme policies, but we may be able to offer a quotation on an individual basis.

  • Occasional claims are acceptable at normal terms. When you request an online quotation you will be asked for details of relevant claims.

  • No, such items are automatically included within the definition of ‘buildings’ in our landlords’ policies. There is no need to arrange separate landlords’ contents insurance in these circumstances.

  • You can get guidance on rebuilding costs at the BCIS website, but you should seek professional advice if unsure of the correct figure. We can assist you with calculating rebuilding values for straightforward properties.

  • You are covered for legal liability to third parties up to £5 million for any one incident, this is landlords liability insurance

  • Providing that your tenancy agreement is directly with the tenant, unemployed persons, students, and those receiving housing benefit/allowance are all acceptable.

  • Full cover will operate for a period of up to 90 days, subject to you taking certain precautions. Please refer to the Summary of Cover or Specimen Policy Wording for precise details of the precautions.

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Landlord Advice