Landlord Insurance UK: What It Covers and What It Does Not
Updated October 2026
Landlord insurance covers the property you let out, which standard home insurance does not. It normally includes buildings cover and can add contents, liability and loss of rent.
Tell the insurer if the tenant is on housing benefit, if the property is an HMO or student let, or if it will be empty for a period. Unoccupied clauses can limit claims.
Rent guarantee cover pays if a tenant defaults, but usually requires tenant referencing. Legal expenses cover helps with eviction costs.
Property owner's liability protects you if a tenant or visitor is injured because of the property's condition.
Review cover each year. Rebuild costs change, and a policy with an outdated sum insured can reduce a claim.