Renting and maintaining a property can be a full-time job for UK landlords, especially as regulations and legal requirements change so frequently. From buildings and contents cover to tenant default protection, landlord insurance gives you complete peace of mind that your property is covered when things go wrong.

But with much to consider, landlords often have questions about what their insurance covers and what it does not. In this post, we answer some of the most frequently asked questions about landlord insurance.

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What is landlord insurance?

Landlord insurance provides cover for owners who rent out their property. This type of insurance typically covers damages caused by tenants, as well as other risks such as fire, theft, and vandalism.

Landlord insurance provides cover for your property, the building itself and any furnishings you’ve provided. It can also protect your rental income and cover your liabilities if your tenants are injured on your property and you are deemed to be at fault.

Most landlord insurance policies start with buildings and contents insurance, plus accidental damage cover. Rent protection is also a key concern, so many landlords choose to add tenant default insurance as standard.

For further protection, liability insurance is also common, if a tenant or visitor claims you’re responsible for an injury (or damage to their possessions) property owners’ liability insurance can cover an expensive payout.

Do I need landlord insurance?

There is no legal obligation for a landlord to take out a dedicated landlord insurance policy. However, a standard home buildings or contents policy won’t consider the potential risks that landlords face, such as loss of rent and accommodation costs, should your tenants have to move out after an insured event, or cover for your liability as a landlord.

So in short, yes! If you own a rental property it is a very good idea to have landlord insurance. This type of insurance helps protect you from financial losses if your property is damaged, loses rental income or if you’re deemed liable for an injury to a tenant.

What does landlord insurance cover?

Landlord insurance typically covers damage to your property caused by tenants, as well as other risks such as fire, theft, and vandalism. It may also cover loss of rental income if your property is uninhabitable due to damage.

How much does landlord insurance cost?

At Frontier our annual policies start from just £160.02 for combined buildings and contents insurance. The cost is determined by a number of factors. With buildings insurance, the price is calculated according to how much your property would cost to rebuild, plus your postcode. With contents insurance, the value of your possessions and where you live are the main considerations. In both cases, whether you have made claims in the past will also be taken into account.

As a product, generally speaking, the cost of landlord insurance depends on factors such as the value of your property and the amount of cover you need. As it is so important to get landlord cover to protect your investment and yourself from potential risks, contact Frontier today to get an instant quote and immediate protection.

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What insurance should a landlord have?

Landlord insurance is specifically designed to cover a landlord’s property and liability risks. Landlord insurance typically includes coverage for the landlord’s dwelling, personal property, loss of income, legal liability, and more. Landlord insurance can be purchased as a standalone policy or as part of a business owners policy (BOP).

Landlord insurance typically covers:

  • The landlord’s dwelling, or the structure of the landlord’s building
  • Any attached structures, such as a garage
  • Any detached structures on the landlord’s property, such as a shed
  • The landlord’s personal property, such as furniture, appliances, and clothing
  • The landlord’s business property, such as computers, tools, and equipment
  • Any loss of income the landlord incurs due to property damage
  • Any legal expenses the landlord incurs in connection with a lawsuit.

Landlord insurance does not typically cover damage caused by:

  • Landlord negligence
  • Tenant negligence
  • Wear and tear
  • Insects or vermin.

What types of property are covered with landlord insurance?

Frontier provides cover for a range of property types, including:

  • Terraced and end terrace houses
  • Semi-detached houses
  • Detached houses
  • Bungalows
  • Maisonettes
  • Individual flats in purpose-built blocks or buildings
  • Individual flats in converted buildings or houses
  • Entire purpose-built buildings with multiple flats
  • Entire converted buildings or houses with multiple flats.

The information provided on this blog is for informational purposes only and is not intended to provide legal, financial or professional advice. The views expressed on this blog are those of the authors and do not necessarily reflect the views of the insurance company.

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Frontier Landlord Insurance

As a Landlord, you want to feel confident your rental investments are safe and secure. Frontier offers you protection and peace of mind – keeping things simple and clear – no hidden fixed limits or exclusions. What you see, is what you get.

Instant online quote

With 24-hour access, you can quote online, for an instant price based on your need and circumstance. Our landlord insurance can cover buildings, contents and personal possessions and a variety of exceptional items.

Customer Reviews

Recently went on a sabbatical needing occasional landlord insurance to cover us whilst we were away. (We rented our house out). I was expecting to have to cancel and rebook my cover (and pay expensive cancelation fees for the pleasure), not to mention petrified of the call centre wait. Was blown away by how easy it was to flex my cover, and at zero cost. What a pleasure.

Sean S

The real test of your insurance is when you make a claim. Frontier took the worry away and dealt with it as anyone would hope it would be dealt with. This was helped by being able to actually speak to a real person who remained the same contact throughout the duration of the claim. Thank you Frontier, I have just renewed my policy.

Roy