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Landlords insurance

What is landlords insurance?

There are different types of landlord insurance that cover you for different risks. Buildings insurance can be part of the policy to cover the costs of rebuilding or repairing your property if it is damaged by fire or vandalism for instance. 

Rent guarantee insurance will cover landlords for non-payment of rent for a set period of time. If you rent a furnished property, having landlord contents insurance can pay for any repairs or replacements if your possessions have been stolen, damaged or destroyed.

Landlord liability insurance is designed to protect you from injury or damage claims related to your rental property. If a property is unoccupied, you can take out insurance to protect your property. 

Frequently asked questions

  • Who is responsible for insuring a rental property?

    Your mortgage lender may ask you to take out a specialist landlord insurance policy to protect your property. If you rent out a property, a conventional home insurance policy won’t cover you for any rental activities or related issues. 

  • What do I need to insure as a landlord?

    Buildings insurance will cover the costs of rebuilding or repairing your property if it is damaged by fire or vandalism. Other policies will be dependent on individual circumstances.

  • Does any landlord’s insurance cover tenants?

    The buildings insurance covers the building so it is not dependent on who is living there but a landlord’s contents insurance policy will only cover the items provided by the landlord not the tenant’s belongings. A landlord’s liability insurance covers injuries to tenants, their guests or visitors and members of the public.

Why choose The Mortgage Brain for insurance?

We have access to thousands of insurance products from hundreds of trusted providers

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Your dedicated insurance & protection specialist will be with you every step of the way, from the initial consultation to the completion of your policy

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