Landlord Insurance: Buildings, Homes & Properties
If you’re the owner of a rental property, you should take out landlord insurance to ensure you and your home are fully protected against damage or theft. Many landlords don’t realise that standard home insurance policies won’t cover properties that have been rented out to tenants, which means you could end up losing thousands of pounds if you need to make a claim.
To make it easier for you to secure the very best landlord building insurance, the NRLA has partnered with some of the UK’s most trusted landlord insurance specialists. As a member of the NRLA, you’ll have access to the widest range of landlord home insurance policies that suit your requirements, whether you’re a new landlord or already have a vast portfolio.
Not a member of the NRLA yet? Join us today to receive the best rental property insurance quotes from our partners.
Our landlord house insurance partners
Securing comprehensive landlord insurance is one of the most important parts of looking after your property. Learn more about our specialist landlord insurance partners and get a quote to help you decide which provider is right for you.
Gallagher Landlord Insurance
Gallagher has been around since 1927 and is one of the world’s largest insurance brokers. Gallagher has a long history of handling insurance policies for a wide range of landlords, working with a number of specialist insurers.
NRLA landlords can benefit from the following:
- Products and services from a company rated ‘Excellent’ with over 6,000 customer reviews on Trustpilot*
- Access to a panel of some of the leading UK property owners insurers, including Aviva, Allianz, AXA and Zurich
- Access to Gallagher’s UK-based specialist customer service teams
- The option to select automatic increases to your property sums insured, providing an extra layer of protection
- Policy documentation written in simple language, showing what is and isn’t covered
- Access to a 24-hour emergency claims report line
- Buildings and/or contents insurance for residential let properties
- Cover for unoccupied properties, non-standard construction, and residential lets
- Cover for various tenant types, including working people, asylum seekers, students, and those receiving Housing Benefit or Universal Credit
Learn more about Gallagher Landlord Insurance or get a quote by clicking the button below.
You can speak to our team by calling 0800 612 0094.
Cover is subject to the full terms, conditions, limits and exclusions of our policy wordings.
*Correct as of October 2024.
Total Landlord Insurance
Total Landlord was voted ‘Best Landlord Insurance Provider 2022’ and has been providing comprehensive cover for landlords since 1996. Their award-winning rental property insurance has been specifically designed to meet the needs of landlords, giving you the peace of mind you need when insuring buy-to-let rental properties.
- Multiple properties combined in one policy to make managing your portfolio easier
- A team of highly knowledgeable staff, including an in-house claims team who understand the requirements of landlords in the private rented sector
- An excellent 4.8/5 rating on Trustpilot*, reflecting a dedication to improving service and supporting customers with proactive, friendly, and consistent customer service
Learn more about Total Landlord Insurance or get a quote by clicking the button below.
*Correct as of October 2024
Rentguard Legal Expenses & Rent Guarantee Insurance
Rentguard’s Legal Expenses & Rent Guarantee Insurance provides residential landlords financial protection when tenants can’t or won’t pay rent. It can also help with legal costs for evicting tenants as a result of rent arrears.
NRLA landlords can benefit from the following:
- Financial protection against unpaid rent – to help provide landlords with a financial backup if a tenant is unable to pay their rent
- Cover for the cost of legal advice and representation – to help landlords follow the correct procedures when evicting a tenant
- Cover for the cost of eviction proceedings – to help landlords through the process of evicting a tenant due to rent arrears
- A mediation service during the claims process – assistance from a third party to help landlords and tenants reach an agreement
- Up to 5 tenants can be covered on one policy – all tenants must be on a single tenancy agreement
- Cover can be offered for an existing tenancy agreement – a 90 days claim exclusion period from the policy start date will apply
- A 12 month policy with no excess
Learn more about Rentguard Legal Expenses & Rent Guarantee Insurance or get a quote by clicking the button below.
You can speak to our team by calling 0333 000 0169.
Cover is subject to the full terms, conditions, limits and exclusions of our policy wordings.
Tax Investigation Insurance
HM Revenue & Customs (HMRC) routinely check tax returns to make sure they are correct. They might also decide to conduct an extensive examination of all areas of your tax affairs, including an in-depth review of your tax return records.
Cover can cost over £100 per year, but for NRLA members it's included as a part of your membership subscription. Terms and Conditions apply.
Aspray
Aspray specialises in managing property damage insurance claims for landlords, ensuring efficient repairs and hassle-free handling of incidents like fire, flood, and storm, protecting your investment and minimising downtime.
How much does landlord insurance cost?
The cost of landlord home insurance can vary depending on a number of factors, including:
- Cover level: The more cover you want, the more you’ll have to pay.
- Property location: Properties located in high-crime areas will usually cost more to insure.
- Property size and age: Older and larger properties will typically need more maintenance and repairs, so insurance is likely to cost more.
- Your tenants: Some tenants are considered to be higher risk, such as students.
- Your claims history: If you’ve claimed on your insurance previously, you’ll likely have to pay a higher premium when you renew.
If you’re a member of the NRLA, you’ll typically pay less when you secure insurance through one of our partners compared to a non-member in the same circumstances as you.
Join the NRLA for access to exclusive landlord benefits
Members of the NRLA not only receive the best landlord insurance quotes but also enjoy a wide range of other benefits, including access to exclusive discounts for landlords on essential products and services.
What’s more, if you ever find yourself in a difficult situation, the NRLA landlord support team will be on hand to assist you with personalised support and advice.
To reap the rewards, become a member today for only £99 per year.
Landlord insurance FAQs
Why do I need landlord insurance?
Although taking out landlord insurance is not a legal requirement, most landlords choose to insure their rental properties so that they are protected against damage or theft.
Standard home insurance policies typically do not cover rental properties, which means you might find yourself unable to make a claim if this is the only cover you have.
What’s more, if you want to apply for a buy-to-let mortgage, your lender will usually insist that you have landlord insurance.
Take a look at this blog by Total Landlord’s Head of Broking for more information about why you need landlord insurance.
What won’t landlord insurance cover?
Landlord insurance typically doesn’t cover:
- Your tenants’ belongings – they’ll need to take out their own contents insurance
- Fair wear and tear – this includes anything that has been damaged through normal use over time
- Damage by animals – pet damage can sometimes be added to your policy at an extra cost, but landlord insurance won’t cover damage by pests
Deliberate damage caused by tenants – however, you might be able to add cover for malicious damage at an extra cost