The building you let
Consider the full rebuild value, construction and claims history. Tell us if there are multiple occupancies or unusual arrangements.
Specialist UK insurance broker
Landlord Insurance
One property or a portfolio.
A broker who listens.
Cover for let properties, with advice on the building, landlord’s contents, unusual tenancy arrangements and Rent Guarantee Insurance with Legal Cover. Tell us how each property is used so the insurance fits.
Personal advice · Mon–Fri, 9am – 5.30pm
UK teamReal peopleAlways speak to a real person
A UK property insurance specialist, the same person every time. No phone menus.
01832 735388FCA regulatedProperty Expert Ltd
Authorised and regulated by the Financial Conduct Authority.
Firm Reference Number: 615253What is landlord insurance?
Landlord insurance is designed for property that is let to tenants. The Home Insurer arranges buildings cover and optional landlord’s contents and other extensions from a limited panel, with quotations that take account of occupancy, tenancy arrangements and the property’s construction and history.
Your contents & extensions
Ask about landlord’s contents, legal expenses and home emergency options. The tenant’s own possessions are a separate responsibility.
Property portfolios
Discuss several properties together, with an accurate schedule of addresses, values, occupancy and renewal dates.
Cover is subject to underwriting, policy terms, limits, conditions and exclusions. Your quotation and policy documents confirm what is included.
Before we talkThe details that help
The details that help
us get it right.
- The property address, construction, rebuild value and claims history.
- How the property is let, including subletting, rent-to-rent or short stays.
- Any landlord-owned contents and additional cover required.
- Vacancies, renovation plans and details of each property in a portfolio.
Letting arrangements need to be clear
An insurer needs to understand how the property is occupied and the arrangement under which it is let. Tell us about short stays, multiple households, subletting and managing agents. We can discuss non-standard situations with specialist insurers. If occupancy changes, contact us so the policy can be reviewed.
Leading Rent Guarantee Insurance in the Renters Rights new age. If you have had a tenant for 12 months or more with no issue, then referencing is not always required. We have options on cover levels to match your risk.
Check the cover, not just the price
Loss of rent following insured property damage is different from a rent guarantee for tenant non-payment. Check any loss-of-rent provision, legal expenses and emergency cover separately.
Cost & comparisonWhat affects
What affects
your premium?
The rebuild value, construction, tenancy and occupancy arrangements, claims history and selected extensions affect the price. For a portfolio, compare the cover and excesses at each address as well as the combined premium.
Send us your renewal terms if you have them. We can compare the cover, excesses and conditions with the options available through our panel and explain our recommendation.
People you can speak to
Tom Chapman
Head of Sales · The Home Insurer
Our team can look at one let property or a portfolio, explain available extensions and discuss risks such as vacancy, renovation or flood history. Give us the occupancy details for every address.
Talk to our team on 01832 735388Read Tom’s bio →A little clarityYour questions,
Your questions,
answered.
Something specific to your property?
Talk it through with us.
Can I use ordinary home insurance for a rental property?
A policy arranged for your own home may not permit letting. Tell the insurer how the property is occupied and obtain confirmation of appropriate cover. We can discuss landlord policies.
Can you consider rent-to-rent or short-term letting?
We can discuss these arrangements with specialist insurers. Explain the full letting chain, occupancy and management responsibilities. Cover must be agreed for the actual use.
Does landlord insurance cover unpaid rent?
Do not assume so. Loss of rent after insured damage and rent guarantee for non-payment are different protections. Ask us about Rent Guarantee Insurance with Legal Cover.
Can I arrange insurance for a portfolio?
Yes, our team can discuss multiple properties. Prepare a schedule with each address, rebuild value, occupancy, claims history and renewal date. Ask for the landlord fact find if that would help.
What happens between tenants?
Tell us about a vacancy and how long it is expected to last. Your policy may set limits or conditions for empty periods. Specialist unoccupied cover may be appropriate.
What is my rebuild cost?
The rebuild cost is what it would cost to rebuild your property from scratch, including demolition, VAT, site clearance and architects’ and surveyors’ fees. It is not the market value and not what you paid for it. For older, listed, thatched or stone-built properties it is often considerably higher than market value.
We must use the figure you give us. If it is too low, your insurer can reduce a claim in proportion — a 40% shortfall can mean 40% taken off any claim, including small ones. A £20,000 escape of water claim could pay out £12,000.
So that this doesn’t happen to you:
- If you’re confident in your figure, please check it still reflects any extension or alteration since it was last set.
- If you’re not confident, we strongly recommend a reinstatement cost assessment by a RICS-regulated surveyor. For a listed, thatched or non-standard property we consider a site visit necessary rather than a remote or desktop report — the features that drive the cost can’t be seen from photographs or aerial imagery.
You can find a RICS-regulated surveyor in your area through the RICS directory at dir.rics.org. We don’t receive any payment from surveyors and we don’t have a panel — the choice of firm is entirely yours, and your contract will be with them.
If you’d rather talk it through first, call us on 01832 735388 and we’ll explain what to ask for.
Please review your rebuild cost at every renewal, and whenever you extend or alter the property.
More detail, with a worked example, in our rebuild cost guide.
Let’s talk about
the cover you need.
Tell us about your property and we’ll help you understand the options available.
Buy with confidence
Authorised, regulated, and accountable.
The Home Insurer is a trading style of Property Expert Limited, authorised and regulated by the Financial Conduct Authority under firm reference number 615253, and a member of the British Insurance Brokers' Association.
Under the FCA's Consumer Duty we are committed to fair-value policies you can depend upon when you need them, and to good outcomes for every customer.
We place cover through a panel that includes Lloyd's of London markets, and we tell you which insurer we have recommended and why before you buy.