Landlord Insurance
Protect your property and investment
Admiral Platinum Combined Cover
What’s landlord insurance?
Landlord insurance gives you a safety net if things go wrong. It can protect you against the risks of renting out your property, like loss of rent, or if there’s a leak or your tenant accidentally damages your property.
Whether you own a house or a flat, you can insure your building and contents together or separately.
You can also add on extra cover, like Landlord Legal Protection and Landlord Emergency cover. These can help with things like legal costs, or temporary fixes for issues like the boiler breaking down.
Do I need landlord insurance when buying a buy-to-let?
Landlord insurance isn't a legal requirement, but buy-to-let mortgages usually need you to have specialist cover in place.
Standard home insurance won't cover you for everything a buy-to-let property needs – for example, you could face an invalidated claim if you have rented your home out.
What does landlord insurance cover?
Landlord insurance typically covers things like:
Storms
We'll protect you against damage caused by severe weather, as long as you've kept your property well-maintained.
Find out more about what to do during a storm and what to check afterwards on our storm weather hub.
Escape of water
We'll help you out with burst pipes and other plumbing damage in your property.
Property owner liability – costs if legal action is brought against you
Property owner's liability is a part of your policy which helps cover costs if legal action is brought against you.
This could be because one of your tenants was injured or even accidentally died due to of an issue at your property.
The cost of rebuilding your home (buildings sum insured)
'Buildings sum insured' is how much it would cost to rebuild your property. It's not the same as the value of your house if you wanted to sell it, or how much you bought your house for.
If your property is damaged beyond repair in an accident, this part of your policy will cover you for the demolition and rebuild of your house.
Loss of rent and temporary accommodation
If your property isn't fit to live in due to loss or damage that's come from an insured incident, we'll either pay:
- the amount of rent you won't be able to get while your tenants are staying elsewhere, or
- the reasonable cost of temporary accommodation for your tenants and their pets while your property is being repaired
Employer's liability
You might be paying people to maintain your property, like cleaners or gardeners.
The 'employer's liability' part of your policy protects you if one of these people is accidentally injured or falls ill while doing the work you employ them to do.
Accidental or malicious damage – if it's covered in your policy
You can add Accidental Damage cover to your policy to cover you for sudden, unexpected, deliberate loss or damage.
You might be covered for some accidental damage if you have a Gold or Platinum policy, so check your policy book to see.
Policy limits and exclusions apply.
How many properties can I insure with Admiral Landlord Insurance?
If you own up to five rental properties, our landlord insurance can help you protect them. Why not cover them all on one policy with MultiCover?
Learn more about MultiCoverWhat landlord insurance doesn’t cover
What's not covered by your policy might be different depending on which level of cover you have.
Always check your policy book to know what is and isn't covered!
Already insured with us? Log in to MyAccount to check your cover limits and read your policy book.
Storm damage to your fence, hedges or gate
Learn more about how we define storm damage in our storm hub.
Wear and tear
This refers to damage caused over time, like wet or dry rot, sunlight exposure and worn carpets.
Fire and smoke
If your property is damaged by fire or smoke, we'll be there to lend a helping hand.
Mechanical breakdown
We don't cover household appliances that break suddenly. For example, if your fridge or washing machine suddenly stops working.
Tenant belongings
We can't cover damage to your tenants’ belongings, or if they’re stolen.
Pet damage
Like scratching and chewing.
Claims less than your excess
This is where the excess is more than what the claim’s worth. For example, you can’t make a claim if the damage cost is £100 but you have a £200 excess.
Over five properties
We don’t cover landlords who own more than five rental properties.
What’s covered?
Combined Insurance
This is your general landlord insurance, which combines buildings and contents. It's usually cheaper than buying both separately, and may be the right fit if you rent out a furnished house.
However, we suggest that leaseholders check whether the freeholder has already arranged buildings insurance, to avoid doubling up on cover.
Our combined policy includes:
- up to £75k contents sum insured
- up to £1k for replacement locks and keys
- contents removal and temporary storage for Gold and Platinum
- loss or damage during a storm - our storm hub defines what a storm is
- alternative accommodation and loss of rent
Combined Insurance cover available on each tier as standard.
Admiral |
Admiral
|
Admiral
|
|
|---|---|---|---|
Buildings sum insured |
Unlimited | Unlimited | Unlimited |
Property owner's liability |
1m | 2m | 2m |
Employer's liability |
5m | ||
Alternative accommodation & loss of rent |
30k | 75k | 100k |
Replacement locks & keys |
500 | 750 | 1k |
Emergency access |
500 | 1k | 2.5k |
Loss of metered water/oil |
500 | 1k | 2.5k |
Sale of property |
|||
Unauthorised use of gas/electric/water |
1k | 2.5k | |
Trace and access |
5k | 10k | |
Unoccupancy |
30 Days | 60 Days | 90 Days |
Contents sum insured |
25k | 50k | 75k |
Contents removal & temporary storage |
|||
Theft from garages and outbuildings |
1.5k | 5k | |
Garden contents |
1k | 2.5k | |
Garden plants |
1k | 2.5k |
Contents Insurance
Contents insurance covers things inside your rented home, such as theft and vandalism. It's a good option if you're renting out a flat.
If you’re a leaseholder, fixtures and fittings damage is included as standard on a contents only policy (subject to exclusions).
This includes carpets, laminate tiles, and sanitary ware. Please make sure the value of these are included in the contents total you tell us, as well as any furniture yo're responsible for.
Our contents policy includes:
- up to £75k contents sum insured
- up to £1k for replacement locks and keys
- contents removal and temporary storage for Gold and Platinum
- leaseholder fixtures and fittings
- alternative accommodation and loss of rent
Contents Insurance cover available on each tier as standard.
Admiral |
Admiral
|
Admiral
|
|
|---|---|---|---|
Contents sum insured |
25K | 50K | 75K |
Property owner's liability |
1M | 2M | 2M |
Alternative accommodation & loss of rent |
10K | 15K | 25K |
Replacement locks & keys |
500 | 750 | 1K |
Contents removal & temporary storage |
|||
Theft from garages and outbuildings |
1.5K | 5K | |
Garden contents |
1K | 2.5K | |
Leaseholder fixtures and fittings |
Buildings Insurance
Buildings insurance helps pay for damage to your rented home's structure and fittings. It also protects your garages, outbuildings and any other permanently fixed structure.
It's the minimum level of cover we'd recommend for rented properties and is available on each tier as standard. However, we suggest that leaseholders check whether the freeholder has already arranged buildings insurance, to avoid doubling up on cover.
Our buildings policy includes:
- unlimited buildings sum insured
- unoccupancy cover up to 90 days
- up to £1k for replacement locks and keys
- fixtures and fittings
- cover for loss or damage during a storm - our storm hub defines what a storm is
- alternative accommodation and loss of rent
Buildings Insurance cover available on each tier as standard.
Admiral |
Admiral
|
Admiral
|
|
|---|---|---|---|
Buildings sum insured |
Unlimited | Unlimited | Unlimited |
Property owner's liability |
1m | 2m | 2m |
Employer's liability |
5m | ||
Alternative accommodation & loss of rent |
30K | 75K | 100K |
Replacement locks & keys |
500 | 750 | 1K |
Emergency access |
500 | 1K | 2.5K |
Loss of metered water/oil |
500 | 1K | 2.5K |
Sale of property |
|||
Unauthorised use of gas/electric/water |
1K | 2.5K | |
Trace and access |
5K | 10K | |
Unoccupancy |
30 Days | 60 Days | 90 Days |
Optional add-ons
Find more information about the optional extras and any waiting times in our policy books.
What you need to get a landlord insurance quote
To get a quote, you'll need the following information
Your details
- name
- contact information
- address
- job title
Property details
- wall and roof type
- garages
- flood history
- signs of subsidence
Rental details
- number of rental properties you own
- tenant reference checks
- rental income
Claims
- claims you or anyone living at the property have made in the last five years
- losses made at the property in the last five years
What property types does landlord insurance cover?
Our landlord insurance policies cover all residential property types, including:
How to make a landlord insurance claim
Already have landlord insurance with us? Here’s what to do if you need to make a claim:
Check your cover
Check your policy book to make sure you're covered for what you want to claim for.
Prepare your information
We need your policy number, what happened and any evidence to support your claim.
Make a claim
log in to MyAccount or head to our make a claim page.
Your landlord insurance questions answered
Don’t worry – we've got you covered!
Does landlord insurance cover HMOs?
Not all landlord insurance policies cover HMOs (House in Multiple Occupation). That’s because most landlord policies only cover one family or household, and not multiple. For example, we wouldn’t cover a property with multiple bedsits, like a property for student accommodation.
If you need insurance for a HMO, check with your insurer and policy book to see if you're covered.
What’s the average cost of landlord insurance?
How much your landlord insurance costs will depend on a lot of things. This includes:
- the type of property you want to insure
- your property's location
- tax rules - read more about Insurance Premium Tax
- repair costs and frequency
Get a quote to find out how much landlord insurance could cost.
Do I need contents insurance as a landlord?
You can cover some contents with a combined or contents-only landlord insurance policy.
If you're a leaseholder, it's worth checking what cover you have with the freeholder of the building as they will usually arrange buildings insurance.
Our contents policy includes cover for fixtures and fittings that you're responsible for.
As with all insurance policies, please check our policy book for any exclusions.
Do I need landlord insurance when buying a buy-to-let?
If you're the freeholder of a buy-to-let it's your responsibility to insure the building, not the tenant's. You'll need to arrange buildings cover to make sure you're covered.
Does landlord insurance help with boiler replacement?
If your boiler breaks down and you haveLandlord Emergency cover with us, we can help.
We’ll give you £250 towards the cost of replacing your boiler if it costs more to repair than replace it. This is known as 'beyond economic repair'.
show more
