Insurance that puts landlords first
Up to £2 million property owner’s liability
Protect yourself when claims are made against you
Unlimited buildings sum insured
Cover for the total cost of rebuilding your property
*Doesn't apply to Contents Insurance
Alternative accommodation cover
Up to £100k if your property's damaged and uninhabitable
What is Landlord Insurance?
Landlord insurance is home insurance designed for rental properties. You can insure the building and contents together or separately depending on the type of property you have and your situation.
Landlord insurance covers other risks associated with renting out a home including loss of rent and unoccupancy.
For example, optional add-ons like landlord legal protection can give you legal support, while landlord emergency cover protects your property against unexpected incidents like plumbing issues and boiler total breakdown.
Do I need landlord insurance?
Landlord insurance isn't a legal requirement, but most buy-to-let mortgages require you to have specialist cover in place.
Standard home insurance won't cover you for everything required for a buy-to-let property. Your policy may also be invalidated if you rent your home out.
Buildings, contents and combined, three cover types to choose from
Contents insurance covers your household goods such as sofas, beds and kitchen appliances. Buildings insurance covers the actual structure and its permanent fixtures and fittings. Combined insurance means you have buildings and contents cover.
Buildings Insurance
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 |
Compare Optional Extras
What's not covered?
Typically, most landlord insurance policies won't cover:
Buildings:
- Accidental/Malicious Damage
- Storm
Contents:
- Tenant belongings
- Loss or damage caused by chewing, scratching, tearing, or fouling by domestic pets
- Replacing items due to wear and tear
However, always refer to your policy document to find what is and isn't covered.
Enter our prize draw to win £500
To enter our free prize draw, simply get a quote for Landlord insurance before 30th April 2024. T&Cs apply.
Get a quoteWhat you need to get a landlord insurance quote
To get a quote, you'll need the following information:
1. Landlord details
- Name
- Contact information
- Address
- Job title
2. Property details
- Wall and roof type
- Garages
- Flood history
- Signs of subsidence
3. Rental details
- Number of rental properties you own
- Tenant reference checks
- Rental income
4. Claims
- Claims
- Losses made at the property in the last five years
What affects landlord insurance prices?
A few factors can impact your insurance quote, some of which may be out of your control.
- Your postcode — Location is important. Factors like crime rates, proximity to water and subsidence all factor into the property's risk.
- Your tenancy — You and your property are what we care about the most. However, the type of tenancy you have in place can also impact your insurance.
- The climate — Weather plays a big part in landlord insurance quotes. For example, if you're in an area near the sea that's prone to flooding or very high winds, this can increase your landlord insurance price.
- Tax rules — Government tax rules can have an impact on landlord insurance quotes. Sometimes, the government will raise or lower Insurance Premium Tax (IPT), which will reflect in your quote. Read more about IPT.
- Repair costs and frequency — If repairs become more frequent and expensive in your area, this can impact your insurance price. However, if repairs fall in price or deflate, you could get a lower insurance premium.
- Your building — The type of building you have can impact your premium; a semi-detached may be more expensive to insure than a flat, for example.
Our landlord insurance policies are available on all residential property types, including:
- Detached
- Semi-detached
- Terraced
- Flats and maisonettes
- Freehold and leasehold
Save money with MultiCover Insurance
Bundle up to five buy-to-let properties, your home and cars together on one policy to get a MultiCover deal. Everything renews on the same date for zero hassle.
How to get cheaper landlord insurance
There are a few ways to cut down your landlord insurance price.
Combine landlord policies |
Insuring all your properties with one provider may save you money, especially if they offer MultiCover discounts like us. |
|
|---|---|---|
Take security seriously |
A more secure property means it's lower risk which reduces your premium. Locks, alarms and good windows are all excellent ways to illustrate that you take security seriously. |
|
Pick the best tenants |
Some tenants have more risks than others. Make sure you reference tenants properly, too. We have a guide on the importance of referencing tenants |
|
Reduce vacancy time |
We have some vacant house cover levels, but generally, an empty house means a greater chance of break-in and other issues. |
|
Get the right cover level |
Avoid covering things you don't need. For example, if you rent unfurnished then you're unlikely to need contents cover. |
|
Calculate your rebuild value |
A rebuild value is an estimate of how much your home would cost to rebuild from scratch. The more accurate this is, the more accurate your insurance premium will be. Learn how to calculate your home's rebuild costs |
Your questions answered
Do I need contents insurance as a landlord?
You can cover some contents with a combined or contents-only landlord insurance policy. As with all insurance policies, please check your policy book for exclusions.
Do I need buildings insurance when purchasing a buy-to-let?
It's a landlord's responsibility to insure the building, not the tenant's so to make sure you're covered you will need to arrange buildings cover.
Does landlord insurance cover boiler replacement?
Boiler replacements aren't covered by Landlord Emergency Cover but we'll cover a temporary repair if your boiler completely fails.
What is tenant referencing, and do I need it?
Tenant referencing is a legal requirement that verifies if a potential tenant is right for you and your property. At a minimum, it involves a credit check. If you don't fill out the referencing correctly, any claim may be affected.
We have a guide on tenant referencing for landlords to answer your questions.
Terms and Conditions
Terms and Conditions
- Admiral is a trading name of EUI Limited (Company Number 02686904) whose registered office is at Ty Admiral, David Street, Cardiff CF10 2EH (“Admiral”)
- This prize draw (the “Prize Draw”) comprises of a £500 prize to be paid via BACS. No purchase is necessary to enter this Prize Draw.
- Maximum of one entry per household, multiple entries will not be accepted.
- Admiral staff, their families, and anyone professionally connected with this Prize Draw are not permitted to enter.
- This Prize Draw is only open to customers who between 00.00 on 1st February 2024 and 23:59 on 30th April 2024 (the “Entry Period”) receive the Landlord Today newsletter and a) click on the Prize Draw promotional banner and b) generate a new Landlord insurance quote on Admiral.com.
- By entering the Prize Draw, participants agree to be bound by these terms and conditions and Admiral's Privacy Policy.
- Participants are not automatically opted into this Prize Draw, and must generate a new Landlord insurance quote to enter.
- The Entry Period for this Prize Draw is 00.00 on 1st February 2024 and 23:59 on 30th April 2024.
- Quotes generated outside of the Entry Period as specified above will not be eligible for entry into the Prize Draw.
- The winner will be randomly selected from all eligible entries and notified via the email address provided within 28 working days of the promotion ending.
- The randomly selected winner will receive a BACS payment of £500 only within 30 days of acceptance of the prize and provision of their payment details.
- The winner agrees to the use of his/her name in any publicity material, and that their name and county of residence may be disclosed to other entrants upon request. Any personal data relating to the winner, or any other entrants will be used solely in accordance with current UK data protection legislation.
- Participants can request the winner's name and county of residence at any time from Monday 10th June 2024 until Tuesday 27th August 2024 by sending a stamped self-addressed envelope to: EUI Limited, ECRM Team, Marketing, Ty Admiral, David Street, Cardiff CF10 2EH.
- These terms and conditions are to be governed by English and Welsh law and are subject to the exclusive jurisdiction of the English and Welsh courts.