As a landlord, protecting a rental property and associated income is essential. Access is available to trusted insurance specialists who arrange landlord insurance, including cover for buildings, contents, loss of rent, and tenant-related risks. These policies are provided by third-party insurers, and support is available to help understand available options so suitable cover can be selected based on individual property requirements and circumstances.

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Landlord insurance policies can vary but typically cover a range of risks associated with letting a property, including:

• Damage to the building caused by events such as fire, flood, or storm

• Loss of rental income if the property becomes uninhabitable following an insured event

• Property owners’ liability in case a tenant or visitor is injured

• Damage caused by tenants, including accidental or malicious damage (where included)

• Optional cover for legal expenses or rent guarantee (subject to terms and conditions)

Cover levels, limits, and exclusions vary between providers, so it is important to review what is included within any policy.