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The QuoteSearcher Benefit

Insurance is a pain – that’s why we’re here. Aimed at simplifying the whole process, QuoteSearcher gives you everything you need for specialist insurance in one place. We search multiple providers specialising in landlord insurance, pass on your details and requirements so they can connect directly with you to offer you a quote.

Instead of you having to mine results for the best price, our partners compete to get your business. This allows for competitive prices for the most effective policies from the highly-regarded specialist brokers. We know your time is precious, which is why the information from one simple form is enough to get the ball rolling.

When you manage a property, the last thing you need is to spend hours traipsing through insurance admin, which is why we do it for you.

Policy Features

Landlord insurance is cover for people who lease properties to tenants. You may have one apartment with a single tenant, a block of flats servicing multiple tenants, or even a portfolio of properties that houses a range of people of different backgrounds and income levels.

Below is a list of some of the most common features of a landlord insurance policy for you to consider when looking for your own landlord insurance.

Buildings insurance

Protects the property brick and mortar against damage from fires and floods. Find out more about Buildings Insurance for landlords.

Contents insurance

Cover your for carpets, furniture, electronics and possessions. Read more about Contents Insurance.

Rent Insurance

Guarantees rental income in the event property becomes uninhabitable

Public liability insurance

Cover legal and compensation costs against you in event of a claim. Find out more about Public Liability Cover.

Business interruption insurance

Guarantees business income when property is unusable due to renovations. Read more about Business Interruption Cover.

Emergency repairs insurance

Covers any emergency gas leak, burst pipe or pest infestation costs

Additional Policy Features

In addition to the standard policy features above, these optional extras can be added to your policy to provide additional cover and piece of mind. You can find cover for many aspects of being a landlord, such as insurance to cover your building between tenants, or during a large scale renovation or rebuild.

Protection for

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What You Need to Know About Landlord Insurance

Having insurance as a landlord is vital if you are to protect yourself and your tenants from the many risks that can crop up. Issues with the house/flat and its contents or the tenants therein need to be covered by insurance. You may have a troublesome tenant who refuses to pay rent, or flood damage might leave the structure unsafe for living. In either of these cases, your landlord insurance will be paid out so you aren’t left out of pocket.

Whilst landlord insurance is not a legal requirement, you will find that most buy-to-let mortgages will only be granted if there is cover in place. There are many risks associated with being a landlord, and your mortgage company will want peace of mind that they will still be paid if a costly problem arises.

The cost of landlord insurance varies depending on the breadth of cover you take out and can fluctuate depending on your broker and your policy. With QuoteSearcher, you can get multiple quotes from a range of dedicated brokers who specialise in landlord insurance. Fill out our form to get started.

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Landlord Risks

There are certain risks and responsibilities to being a landlord in the UK. Any property you let must be safe and free health hazards.

Gas safety

Gas equipment: must be safely installed and maintained by a Gas Safe registered engineer; have a gas safety check annually.

Electrical safety

Electrical system is safe, including all appliances you supply the tenant.

Fire safety

Fire safety regulations must be obeyed; provide a smoke alarm for each story of the property; escape routes and; provide fire alarms and extinguishers if necessary.

Flooding

You can get flood risk insurance and flood damage insurance to protect you from claims of this nature.

Check Out Our Landlord Guide to Tenancy Agreements

Read Here

FREQUENTLY ASKED QUESTIONS ABOUT LANDLORD INSURANCE

    • Should a landlord have house insurance?
      Yes, a landlord should have house insurance specifically designed for rental properties, known as landlord insurance. It provides coverage that general homeowners' insurance does not, such as loss of rental income and tenant-related damages.
    • What is an interested party?
      This is anyone, or any organisation, that has a financial interest in the property. For example, a mortgage provider. When applying for landlord insurance, you may indeed be asked how many interested parties there are.
    • Can I insure more than one property with one landlord insurance policy?
      Yes, some insurers will offer you the opportunity to insure multiple properties in order to save you time and effort. You will have to check though with specific landlords insurance brokers.
    • Will my cover continue when a tenant moves out?
      To check this you will need to refer to your landlord insurance policy documents. The length of cover will be written into the policy. If you are still unsure then it will be a good idea to contact your insurer directly via telephone, or via email.
    • Do I need a separate insurance policy for fixtures and fittings?
      It is likely that you will need a separate insurance policy as the landlord insurance policy you have may not extend to cover the fixtures and fittings within your property. Even if it does, the replacement fixtures and fittings, should they need to be replaced, may not be on a like for like basis.
    • Can I make a claim for loss of rent if my property is damaged to the point where it is uninhabitable?
      The majority of landlord insurance policies will offer some form of loss of rent as optional cover. Cover will be provided in the event that your property is so badly damaged, by an insured event, that it becomes uninhabitable, or access to the property becomes impossible. In this event the policy will cover the rent that you would normally receive from the property for up to a specific length of time, or up to the total sum insured, or until such time as someone can then begin living in the building again.
    • What are my legal obligations when applying for landlords insurance?
      Once you have found the right policy that suits your needs and wishes, there will be certain legalities that you should be aware of. This will of course vary between different landlord insurance companies.
    • If my property is let furnished, can I obtain cover for a minimum contents sum insured?
      No, unfortunately not. Instead however, you can arrange landlords’ contents insurance for whatever figure is appropriate to you via your landlords insurance policy. In order to add this on to your policy as an extra, you will need to contact your insurance provider.
    • Does my claims record matter?
      Most certainly. For example, if you have made a claim, or claims, in the past after burglaries and you still have not made any changes in order to make your property more secure, then you are a higher risk for an insurer than normal. However, if you have installed a home security system or made your home harder to break into with deadlocks, keylocks etc., then definitely tell your landlord insurance company. You could also ask them what you should do to get a lower premium.
    • How much is landlord insurance on average?
      The cost of landlord insurance can vary widely but on average, it may be about 20-30% more than standard homeowners' insurance due to the additional risks associated with renting out property.

I completed one simple form on the QuoteSearcher website and I received three excellent quotes. This was exactly what I was looking for!

James Kenneth - Carlisle

Getting my property protected was as easy as pie on QuoteSearcher. Once I had completed the form online their partners provided me with some superb quotes that included brilliant cover.

John Camden - Bristol

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