Recent Customers Comments

" 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

Landlord Insurance

Why Use Quotesearcher

  • No need to shop around to find the best deal
  • One stop solution for all your insurance needs
  • Only deal with UK leading insurers

What is Landlord Insurance?

Many people think becoming a landlord is an easy way to make money, or some sort of a get-rich-quick scheme. However as any landlord will tell you, it presents you with a unique set of risks and challenges.

We know that as a landlord, your property is your income, and as such needs to be protected. Not only that, but the building itself is an investment which you will want to keep in good condition. Landlord insurance can provide you with exactly the sort of protection you need, giving you peace of mind knowing that your property is safe.

Why Do I Need Landlord Insurance?

Accidents are never planned, and when it comes to an accident involving property, they can become very expensive to deal with indeed. As landlord, all responsibility falls at your feet, which is quite daunting. Whatever goes wrong, it will be you who the tenant contacts to sort it out and pay for it.

It could be anything from a leaking boiler, to defending yourself against a compensation claim from a tenant; landlord insurance will protect you and your property from the financial impact such events can easily have.

Our partners offer landlord insurance policies which can be tailored to suit your own specific needs, and to ensure that you have the exact cover you require, including a variety of optional extras.

Whilst landlord insurance is not technically a legal requirement, a regular home insurance policy will not cover you for any rental activity.

How Much Does Landlord Insurance Cost?

The price of your landlord insurance premium will depend on several factors, including the value of the property, the features of the policy, and the level of cover you have chosen.

Do not make the mistake of simply choosing the cheapest landlord insurance policy without carefully checking what features it contains. Many people try to save a little money this way, but it can prove incredibly costly farther down the line, when you try to make a claim only to discover your insurance does not cover it.

Landlord Insurance Cover

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 – your tenant may not take as good care of your property as you might like. Also, like it or not, but accidents happen and are not something you can ever prepare for. This will protect your building in case something happens, and cover the cost of any repairs required.
  • Public liability insurance – if a member of the public or a tenant injures themselves whilst on your property, they can launch a compensation claim. This will protect you in the event of such a claim, and cover the costs of the compensation as well as the costs of defending the claim. Compensation can be an expensive business, and can have a detrimental impact on your finances.
  • Business interruption insurance – as we said above, your property provides your income. If for whatever reason your property becomes uninhabitable – maybe it requires extensive building work – and you cease to receive rent, business interruption insurance will cover you.
  • Emergency repairs insurance – there is so much potential for something to go wrong when renting your property, and all responsibility falls at your feet. Emergency repairs insurance will cover the cost of repairs, which can easily run into the thousands.

So if you want to get a quote from our range of expert providers, then make sure you fill out an online quote form today!

Why Use Quotesearcher

  • No need to shop around to find the best deal
  • One stop solution for all your insurance needs
  • Only deal with UK leading insurers
  • If you are thinking of becoming a landlord there are a couple of things you need to ask yourself: firstly, whether you have the right amount of experience, and secondly if you have done enough research to enter the market. As private rented accommodation is in such high demand right now there has been an influx in people becoming landlords, which means if you want to succeed you need to keep an eye on the competition. To help, we update our QuoteSearcher blog on a regular basis with all the information you need, meaning that our customers can stay one step ahead at all times.

  • There are a number of landlords insurance policies out there that can cover the vast array of issues that landlords encounter on a regular basis. For example, rent guarantee insurance ensures that you will receive an income even if your tenants fall into rent arrears, while unoccupied property insurance protects your house during void periods where they are susceptible to break-ins and squatters. By filling in our short online form we can help you find a landlord insurance policy that can protect you against any eventuality!

  • Commercial properties come in a range of shapes and sizes, including factories, office blocks, shops and warehouses. Depending on what type you own you could be more exposed to risk, especially if the company that rents the property from you has a number of employees or works in a sector that includes the use of mechanical equipment. Therefore, if you are planning on entering the commercial property market you will need a landlord insurance policy that includes public liability cover as well as protection against more frequent wear and tear. This is why we have a separate form for our commercial landlords so that we can supply you with a policy that is tailored exclusively for your business’s needs.