What is landlord insurance?

Landlord insurance is sometimes known as buy-to-let insurance. The basic product is landlord building and contents insurance. This covers risks relating to the fabric of the building and anything you may have left in the property, such as white goods, curtains, carpets etc (contents). Additional insurance products, such as rent guarantee, landlord legal expenses, and home emergency cover can also be added to provide further protection for an additional cost.

How much is landlord insurance?

Our landlords insurance statistics page shows us that the price of insurance depends on a variety of factors, such as the property you want to insure, your excess, and level of cover. However, we guarantee to beat the price of your like-for-like landlord insurance quote.

What insurance do you need for rented properties?

Legally, you don’t need to have landlord insurance. However, this cover provides vital peace of mind that your property is protected if the worst happens. Landlord insurance covers the buildings and certain contents of your rental property, while add-on products, including landlord legal expenses and rent guarantee insurance, can provide additional protection. If you have a mortgage, your lender may require you to have building insurance.

Do I need contents insurance if I let my properties on a part-furnished basis?

The policy provides cover for carpets, curtains, and white goods. If you want to cover anything more than this we would be happy to arrange additional cover for you.

Am I covered for injury to tenants and other people under my landlord insurance?

You are covered for £5m legal liability to third parties for any one incident. You also have employers’ liability cover for people working at your property, up to £10m.

What type of tenants are acceptable?

Providing you have a tenancy agreement in place and the tenant has been referenced, there are no restrictions on who you can rent to.

Will cover continue when my tenant moves out?

Yes, it will remain in place for new tenants provided you have another tenancy agreement in place. Our landlord insurance also provides full cover for vacant properties for up to 90 days, subject to precautions.

Landlord Cover | Landlord Insurance From Alan Boswell Group

Name: Landlord Cover
Brand: Alan Boswell Group
Rating: 4.8 (11561 reviews)

Our property owners team is committed to providing landlords with the best landlord insurance products available, that’s why we have a range of specific landlord covers. This means you can insure all the various types of properties you own.

The Alan Boswell Group Difference

Because our landlord products are managed in-house, we provide a unique service when it comes to pricing and underwriting. Our advice and service have been recognised by the industry and our customer feedback scores are proof of our consistently high standards.

How our customers rate us

Excellent service from friendly, knowledgeable staff. It was great to be able to get straight through to speak to an actual person and also, the quote received was very competitive. Thanks very much!

Mrs & Mr Hynes - Landlords Insurance

4.8/5 11561 reviews

Our NIG landlord insurance policy is a Which? Best Buy

We take great pride in being recognised for our dedication to providing the best service and comprehensive, tailored cover for our customer's needs. If you are unsure of the type of cover you need, our expert advisers are available to help over the phone.

Landlord cover in detail

Our landlord insurance policies cover a range of property risks faced by a large variety of properties, so you get complete peace of mind knowing your properties will have the right insurance in place.

Rebuild or repair cost

The cost to rebuild or repair your BTL property after an insured event e.g. flood or fire.

Damaged contents

The cost of damage to your carpets, curtains, and white goods are automatically covered.

Loss of rent

The cost of rehousing your tenant, or reimbursement for loss of rent, where the property becomes uninhabitable following a property damage claim.

Property owners' liability

£5 million property owners' liability cover to protect you against legal action.

Employers' liability

£10 million employers' liability to cover cleaners, gardeners, caretakers etc.

Full cover between tenants

Full cover for up to 90 days unoccupancy between tenants.

Dedicated claims team

Access to our experienced, in-house claims team.

Manufacture of drugs by tenants

Insurance against damage caused by cannabis farms (conditions apply).

Malicious and accidental damage

Cover for damage caused by the tenant.

Optional extras

Landlord Legal Expenses Insurance

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

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.

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.

Excess Protection Insurance

Excess protection insurance provides cover for unexpected expenses from insurance excess charges. Available from only £20 a year.

Property owners brochure

If you are a property owner or a landlord, you may be interested in our brochure that outlines the services we provide for our clients in the property industry. Download a copy of the brochure and learn more about how we can help you with your property needs.

Download our brochure