Landlord insurance is insurance for landlords to protect their property and themselves (i.e., their liability). Most landlords are required to take out landlord insurance for each property they rent out, but landlords with large rental property portfolios may be able to get single cover for all properties.
Types of landlord insurance
There are three main types of landlord insurance, namely building insurance, contents insurance and liability insurance. Some policies will include extras and add-ons that provide landlords with further protection.
Landlord building insurance covers you against damage to the main structure of the property. To secure a buy-to-let mortgage on a property, you’ll probably need to prove that you have taken out landlord building insurance. You may pay for some degree of cover within service charges if the property is part of a block of flats.
Landlord contents insurance covers the fixtures and furnishings within the property. For example, the policy may cover the cost of replacing a carpet in the event of a flood. These policies can be purchased as stand-alone policies, or they may be an add-on to building insurance. They only cover the items you own – not your tenant’s belongings.
Landlord liability insurance covers you for the financial costs if anyone using your property suffers an accident due to the condition of the property, including electrical systems. The policy will pay out if you owe compensation.
How much does it cost?
The cost of landlord insurance will differ based on your rental properties and your needs. The number of prospective tenants and the location of the property can also influence costs.
How to make a claim?
To make a claim on any landlord insurance policy, you should contact the policy provider directly unless told otherwise.
Landlord insurance policy – key terms
- Perils – this term is used to describe items or events the policy covers.
- Excess – this term refers to the amount you will need to pay towards repairs and replacements.
- Sum insured – this term refers to the maximum figure an insurer will pay you for one claim.
- Exclusions – these are the items or events not covered within the policy.
MEET OUR Director/Wealth Manager
Aman Mashiana
Aman Mashiana is a strategic wealth management professional with more than 15 years’ experience building and leading advisory practices, managing substantial client portfolios, and delivering sustainable revenue growth in competitive financial markets.
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FAQ'S
Not at all. We believe great financial planning should be accessible. Whether you are just starting to build your assets, navigating a major life transition, or managing multi-generational wealth, we tailor our advice completely to your current situation and future goals.
Our initial conversation is entirely exploratory and comes at no cost to you. It’s simply a chance to get to know each other. We’ll discuss your current financial picture, what you hope to achieve, and how we might be able to help. You won't need to sign anything or make any big decisions on day one.
We want to make managing your wealth as convenient as possible. We are happy to meet face-to-face at our office, or we can host a secure virtual meeting via video call (such as Microsoft Teams or Zoom) if that fits better into your busy schedule.
We believe in absolute fee transparency, meaning we agree on all costs upfront before any work begins. Depending on the complexity of your needs, our fees may be structured as a transparent percentage of the assets we manage, a flat fixed fee for a specific project, or an hourly rate. There are never any hidden costs or surprise bills.
Absolutely. It's incredibly common to lose track of old workplace pensions over time. We can help you trace your scattered accounts, review their current performance and fees, and—if it makes financial sense—consolidate them into a single, high-performing, and easy-to-manage retirement plan.
We don't believe in cookie-cutter portfolios. We take the time to deeply understand your time horizon, your specific life goals, and your personal comfort level with market volatility. From there, we build a diversified portfolio designed to grow your wealth steadily while keeping your risk well within your comfort zone.
Yes. Making money on investments is only half the battle; keeping it tax-efficient is just as important. We actively structure your wealth to minimize Income Tax, Capital Gains Tax, and Inheritance Tax, ensuring more of your hard-earned money stays with you and your loved ones.
Tax planning, estate planning & Inheritance Tax planning are not regulated by the Financial Conduct Authority.
Not at all. We believe great financial planning should be accessible. Whether you are just starting to build your assets, navigating a major life transition, or managing multi-generational wealth, we tailor our advice completely to your current situation and future goals.
Our initial conversation is entirely exploratory and comes at no cost to you. It’s simply a chance to get to know each other. We’ll discuss your current financial picture, what you hope to achieve, and how we might be able to help. You won't need to sign anything or make any big decisions on day one.
We want to make managing your wealth as convenient as possible. We are happy to meet face-to-face at our office, or we can host a secure virtual meeting via video call (such as Microsoft Teams or Zoom) if that fits better into your busy schedule.
We believe in absolute fee transparency, meaning we agree on all costs upfront before any work begins. Depending on the complexity of your needs, our fees may be structured as a transparent percentage of the assets we manage, a flat fixed fee for a specific project, or an hourly rate. There are never any hidden costs or surprise bills.
Absolutely. It's incredibly common to lose track of old workplace pensions over time. We can help you trace your scattered accounts, review their current performance and fees, and—if it makes financial sense—consolidate them into a single, high-performing, and easy-to-manage retirement plan.
We don't believe in cookie-cutter portfolios. We take the time to deeply understand your time horizon, your specific life goals, and your personal comfort level with market volatility. From there, we build a diversified portfolio designed to grow your wealth steadily while keeping your risk well within your comfort zone.
Yes. Making money on investments is only half the battle; keeping it tax-efficient is just as important. We actively structure your wealth to minimize Income Tax, Capital Gains Tax, and Inheritance Tax, ensuring more of your hard-earned money stays with you and your loved ones.
Tax planning, estate planning & Inheritance Tax planning are not regulated by the Financial Conduct Authority.
