Landlord Insurance

Protect your rental property and contents with Landlord Insurance

Landlords can get MultiCover discounts

As an existing customer, you can bundle all your buy-to-let properties, home and cars together on one policy to get yourself a MultiCover deal. It's a standard 12-month policy and everything will renew on the same date.

Ask about Admiral MultiCover when you call for a Landlord Insurance quote.

Call for a quote and buy

About MultiCover Insurance

For when home insurance just isn't enough

If you rent out your property rather than living in it yourself, a standard home insurance policy won't cover you.

Your buy-to-let property needs specialist cover to protect the structure itself (buildings insurance), any contents you leave at the property while it’s being rented out (contents insurance) as well as your liability as the property owner.

Landlord liability insurance included as standard

As a landlord, you’re legally responsible for making sure your properties are safe and well maintained. Property owner’s liability protects you if your tenant or a member of the public is injured because of an accident at your property – for example, if the postman trips on a loose paving slab.

Optional upgrades for extra peace of mind

You can add any of the following extra cover to your Admiral Landlord Insurance policy for that extra peace of mind:

  • Malicious or accidental damage by your tenant
  • Theft by your tenant
  • Landlord legal protection – Up to £100,000 help with legal fees if you go to court with a tenant for things like eviction, property disputes or chasing rent, provided your claim's likely to succeed. You'll get a dedicated advice line and a team of solicitors if you need to make a claim. Anything before your cover start date isn’t covered and waiting periods apply before some areas of cover are activated.
  • Landlord emergency cover - 24hr emergency call outs if you suffer an emergency that results in total failure. You'll get up to £500 for call out charges, parts and labour for temporary repairs to things like plumbing, roofing, hot water, central heating systems and pest infestation. Claims can be made seven days after your cover starts, and incidents must be reported within 48 hours.

Check out our cover options

Choose between our Admiral, Gold and Platinum tiers, each offering different features to fit you and your property. Eligibility criteria applies. Take a look at what’s included:

Buildings
Cover

Admiral

Admiral
Gold

Admiral
Platinum

Fixed monthly payments

Unlimited Unlimited Unlimited

Property owner's liability

£1 Million £2 Million £2 Million

Employer's liability

£5 Million

Alternative accommodation & loss of rent

£30K £75K £100K

Replacement locks & keys

£500 £750 £1k

Emergency access

£500 £1k £2.5k

House sale

Unauthorised use of gas/electric/water

£1K £2.5K

Trace and access

£5K £10K

Unoccupancy

30 days 60 days 90 days

Contents
Cover

Admiral

Admiral
Gold

Admiral
Platinum

Contents sum insured

£25K £50K £75K

Alternative accomodation & 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

Garden plants

£1K £2.5K

Optional
Extras

Admiral

Admiral
Gold

Admiral
Platinum

Accidental or malicious damange by tenants

Optional Partial*

Tenant theft

Optional Optional

Legal

Optional

Emergency cover

Optional Optional

*By 'partial' we mean accidental or malicious damage by tenants cover for glass and sanitary ware (with Buildings cover) and glass, mirrors and audio visual equipment (with Contents cover) but not things such as spilling paint on the carpet or accidentally drilling through a pipe. Gold gives you the option to upgrade this cover to include cover for events like these.

We cover a variety of property types

We offer Landlord Insurance on the following properties:

  • Detached
  • Semi-detached
  • Terraced
  • Flats and maisonettes
  • Freehold and leasehold

Getting your quote

Call one of our friendly team on 0330 057 2565 – and to help get your quote quicker, it would be useful to have the following information to hand:

Landlord details

  • Name, contact information and address
  • Job title

Property details

You’ll need to tell us about the property’s interior and exterior such as:

  • Wall and roof type
  • Garages
  • Flood history
  • Signs of subsidence

Rental details

  • Number of rental properties you own
  • Tenant reference checks
  • Rental income

Claims

  • Any claims or losses made in the last 5 years.

What is multi cover insurance?

Admiral MultiCover is designed to cover a car and home on one discounted policy.

You can start with just one car or home, and any others you tell us about are added when they’re due for renewal – each car or home added earns its own MultiCover discount.

It's a standard 12-month policy with the same renewal date.

Your MultiCover Questions Answered

Will my car No Claims Bonus be affected if I make a claim for my home on the MultiCover policy?

No, any claim you need to make for your home will not affect the No Claims Bonus of any of the vehicles on your cover.

How many years am I tied in to the policy?

The cover lasts 12 months and you can choose to renew at the end of year as normal.

Do the cars need to be registered at the same address as the home insurance policy?

Immediate family can live at different addresses and will each build up their own No Claims Bonus.

If I take out a MultiCover policy will I have to cancel my existing policies?

No, you won’t need to cancel your car and home insurance until they are due for renewal and then they’ll simply join your MultiCover policy.

How many cars and homes can I add to the policy?

If you are doing an online quote you can add one home and seven vehicles. If you would like to add more vehicles or additional properties, please call one of our friendly agents on 0330 134 3207.



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