Discount Landlord landlord insurance review

Discount landlord insurance can protect you if something goes wrong with your rental property.

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AXA landlord insurance

AXA landlord insurance

  • Up to £10 million property owners’ liability cover
  • Protection for up to 10 properties
  • 24 hour emergency helpline
Discount Landlord is a specialist broker that offers landlords buildings and contents insurance for their residential and commercial properties. It claims to be a one-stop shop for landlords, searching the market to find some of the best available rates.

It also offers legal expenses and rent guarantee cover to keep you protected in all manner of situations. It offers discounts to landlords with multiple properties in their portfolio. Here’s what else we think you should know about this specialist broker.

Who is Discount Landlord?

Discount Landlord is an online insurance broker that offers a wide range of insurance products and services to the lettings market for both residential and commercial properties.

Discount Landlord is a trading style of Home & Travel Ltd, which is authorised and regulated by the Financial Conduct Authority.

What is covered under my policy?

Discount Landlord’s landlord insurance includes a range of features however, these may vary depending on which insurer offers the policy. Some of the key features include:

  • Loss of rent cover of up to 30% of the buildings sum insured
  • Employer’s liability cover up to £10 million
  • Property owner’s liability cover up to £5 million
  • Contents cover up to £40,000
  • Replacement lock cover after theft

For a full list of policy features, you’ll need to check your policy details carefully or obtain a quote online to ensure you have the right cover for your needs.

Optional extras

Discount Landlord has other products available for landlords, including:

  • Rent guarantee and legal expenses insurance
  • Tenant referencing
  • Commercial property insurance

What is my excess?

Your insurance excess is the amount of money you will need to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.

You’ll find details about any excesses in your policy document.

How much is this going to cost me?

There are a number of factors that can affect the cost of your Discount Landlord landlord insurance premium, including:

  • Your sum insured. The greater the amount you wish to insure your property or contents for, the more you can expect to pay for cover.
  • Your property. The age of your property and the materials from which it is constructed can influence its ability to withstand damage.
  • Where your property is located. Certain risks, for example storm or theft, are more prevalent in certain areas, and insurers will take this into consideration when calculating your premium.
  • Security. Security measures such as an alarm system and deadbolts can act as a deterrent to thieves and therefore reduce the cost of your cover.

What is the claims process for Discount Landlord?

You can call Discount Landlord on 020 8847 8000 to make a claim on your landlord insurance. Discount Landlord will then inform your respective insurer and will let you know if it requires any further information.

Depending on the nature of your claim, you will need to have the following information to hand:

  • Your policy details and personal contact details.
  • The date of the incident.
  • Details such as the cause of the incident.
  • The value of any lost or damaged items being claimed for.
  • Names and addresses of any other people involved in or responsible for the incident, including details of injuries.

It’s vital that you let your insurer know about an incident as soon as possible but within 30 days. Failure to do this could result in a rejected claim later on.

Discount Landlord pros and cons


  • Landlord insurance can cover a wide range of residential and buy to let properties.
  • There’s no administration fee for making mid-term changes to a policy.
  • Discounts are available for landlords with multiple properties.


  • Accidental damage cover is not included as standard with residential property landlord insurance.
  • You will be charged a cancellation fee if you terminate your policy.
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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