Best landlord insurance companies in 2020

We've compiled a list of some of the best landlord insurance companies in the UK and some top tips on what to look for in a policy and how to get the best rates.

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Renting out a property you own but don’t live in is a great way to make some extra money. However, costly accidents and faults can happen, which can eat into your income.

Taking out landlord insurance can help you fix the fabric of your property, including the roof and windows, as well as cover your contents against damage by tenants and protect you in case someone is injured on your property and takes you to court.

Some of the best landlord insurance companies in the UK

Axa landlord insurance

Axa is one of the biggest and most well-known insurers in the UK. It offers a wide range of insurance products, including landlord insurance for both residential and commercial properties. You can take out liability cover for up to £10 million and alternative accommodation for your tenants is included. Taking out a policy with Axa gives you access to a 24-hour replacement service for windows, doors and partitions.
  • Easy access to policy documents online.
  • 24-hour emergency helpline.
  • 24-hour replacement service for windows, doors and partitions.
  • Cancellation fee applies.
  • If you fail to make a fair presentation of the risk you want to insure, you may lose your policy and not be entitled to a refund.

British gas landlord insurance

This one might be a bit of a surprise. Most people know British Gas as an energy supplier, but the company also offers insurance products, including cover for boiler and heating, plumbing and drains, and landlord insurance. British Gas' landlord insurance policy includes up to £10 million property owners' liability and you can cover up to 10 properties on one policy. Optional extras include contents cover up to £50,000 and accidental damage cover.
  • British Gas' landlord insurance can cover up to 10 properties on one policy.
  • Claims can be made 24/7 or online.
  • Policies can be enhanced with extra protection.
  • Accidental damage cover is not included as standard.
  • No claims line details provided on British Gas' website.

Simply business landlord insurance

Simply Business is a specialist insurer created in 2005. As the name suggests, the company specialises in providing business insurance for a range of professions, including residential and commercial landlords. Simply Business offers fully flexible cover options to suit a range of requirements and budgets, and you can choose from buildings insurance, contents insurance, accidental damage, liability cover and rent guarantee.
  • Fully flexible cover options to suit a range of requirements and budgets.
  • Claims can be made via 24/7 claims line or online.
  • Accidental damage is not included as standard and will need to be added at an additional cost.

Endsleigh landlord insurance

Endsleigh was created in 1965 by the NUS to offer affordable insurance for students, but has since expanded to provide products for professionals, commercial and business customers. The company offers a wide range of landlord insurance products, including residential, commercial, landlord portfolio, block of flats and non standard cover. You can also take out a rent guarantee policy to protect your income. Exact specifications vary by policy type, but all include cover for both buildings and contents and malicious damage caused by tenants.
  • A wide variety of cover is offered.
  • Easy access to policy documents online.
  • Administration fees apply.
  • Claims line is not in operation 24/7.

Towergate insurance landlord insurance

Towergate Insurance is a specialist insurance provider established in 1997. You can choose to take out buildings insurance, contents insurance, or a combination of the two. Towergate offers cover for both domestic and commercial properties, with loss of rent and accidental damage included as standard. If you have multiple properties, you can get discounts on premiums and administration fees.
  • Landlord insurance can cover a wide range of properties and tenant types.
  • Landlord insurance for both domestic and commercial properties.
  • Accidental damage included as standard.
  • Although Towergate Insurance can tailor policies to suit specific requirements, there is no information about specific optional extras to enhance landlord insurance.

More Than landlord insurance

More Than was launched in 2001 and provides a range of insurance products, including car, van, pet, home and travel. The company's landlord insurance policy includes buildings cover for fire, flood, burst pipes, vandalism damage or theft and cover for both malicious and accidental damage. Contents insurance is an optional extra, and offers four levels of cover to choose from, with limits up to £5,000, £10,000, £25,000 or £50,000.
  • More Than's landlord insurance is 5-star Defaqto-rated.
  • Claims line is open 24/7.
  • Policies can be enhanced with extra protection.
  • Contents cover is not included as standard.
  • You will have to pay an admin fee if you decide to amend your policy.

Aviva landlord insurance

Another household name in the UK insurance sector, Aviva's landlord cover includes protection for your property against fire, storm, flood, theft and subsidence, as well as unlimited contents cover and loss of rent cover. There's no administration fee for changing the details of your policy and you get up to £10 million property owners' liability cover.
  • Optional extras are available for increased protection.
  • 24-hour claim line.
  • No administration fee for changing details to a policy.
  • Accidental damage is only included as an optional extra.

Alan Boswell Group landlord insurance

The Alan Boswell Group is a specialist broker offering a range of private insurance products for cars, boats and high-value homes, as well as some commercial insurance policies. The company's landlord insurance includes malicious damage cover, alternative accommodation, loss of rent and property owners' liability cover up to £5 million. You can take out a multi-property policy, which offers cover for an unlimited number of properties.
  • Landlord insurance can cover a wide range of properties and tenant types.
  • Landlord insurance can be enhanced with optional extras.
  • You may be charged a cancellation fee if you terminate your policy.
  • Claims line is not open 24/7.

Saga landlord insurance

Saga is a specialist insurance provider for people over the age of 50. The company offers a range of insurance products, including car and travel. For landlord insurance, you can choose between buildings and contents cover, or a combination of both. The policy offers accidental damage cover and up to £100,000 for legal expenses as standard.
  • Landlord insurance can cover a wide range of properties and tenant types.
  • Accidental damage included as standard.
  • Legal expenses cover up to &pound
  • 100,000 included as standard.
  • No claims line details available for landlord insurance.

Let Alliance landlord insurance

Let Alliance provides specialist services and products for landlords, letting agents and tenants. The company's landlord insurance includes buildings accidental damage cover as standard, legal liability up to £5 million and contents cover up to £50,000. Landlords with more than 3 properties can receive a 5% discount on premiums.
  • Landlord insurance can cover a wide range of properties and tenant types.
  • Landlord insurance includes buildings accidental damage cover as standard.
  • You may be charged a cancellation fee if you terminate your policy.
  • Claims line is not open 24/7.

How to find the best landlord insurance

  1. Whenever you’re looking for insurance cover, your first step should be to shop around and compare policies.
  2. When comparing policies, don’t just look at the price. Cheapest doesn’t mean best, so make sure the policy you go with has all the elements you require. For example, if you want a landlord insurance policy that protects your income in case your property becomes uninhabitable, make sure the one you choose to take out includes loss of rent cover.
  3. When you’ve chosen your provider, go through the application process. You’ll need to be completely honest when taking out your insurance, as any inaccuracies can invalidate your whole policy.
  4. When you’ve taken out the cover, download your policy documents and keep them somewhere handy and safe (whether that means stored on your desktop or as hard copies in your home or office). Make sure you have them to hand in case you need to make a query or a claim.
  5. Make a note in your phone or on a piece of paper of the claim line number for your provider and any helplines you might need to call in an emergency.

Compare some of the best landlord insurance providers

Data indicated here is updated regularly
Name Product Details Property owners liability
AXA landlord insurance
With AXA, you can cover up to 10 properties under the same policy as standard. There is also no interest on monthly payments and a 24 hour emergency helpline in the unfortunate event of a claim.
Up to £10 million
Simply Business
Simply Business cover both residential and commercial properties and include £600,000 blanket cover as standard in case your property is destroyed and needs to be rebuilt. There are several other optional extras such as accidental damage cover, boiler breakdown, legal expenses and loss of rent cover.
Choice of £2 million or £5 million
Endsleigh landlord insurance
Endsleigh offer fully customisable landlord insurance across residential and commercial properties. They also include up to £25,000 malicious damage cover as standard.
Up to £5 million
British Gas landlord insurance
British Gas’ landlord insurance can cover up to 10 properties on one policy, which includes cover against floods, fire damage and burst pipes as standard. There are optional extras to enhance a policy such as up to £50,000 contents cover, employer’s liability and loss of rental income
Up to £10 million
More Than landlord insurance
This 5 star Defaqto rated provider offers a wide range of landlord insurance policies that you can customise to your needs. Monthly payments are interest free and discounts are made available for existing More Than customers.
Up to £10 million
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Bottom line

If you own a property you rent out, whether for residential or commercial purposes, getting insurance cover for it is recommended. This can help you fix damage caused to the building and the contents within it by disasters such as storms, fires and floods, as well as accidental and malicious damage.

Landlord insurance can also protect you against loss of rent if your property becomes uninhabitable.

Different insurance companies offer different types and levels of cover, so make sure you shop around to find the best value deal for you.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.

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