Simple Landlords Insurance landlord insurance review

Simple Landlords lets you build your own landlord insurance policy to get the cover that's right for you.

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The landlord insurance offered through Simple Landlords Insurance is a broker dedicated to protecting landlords. It can offer standalone building cover and contents cover, which can be enhanced with a range of optional extras including cover for emergencies, rent guarantee and legal expenses.

Simple Landlords also offers discounts to landlords with four or more properties in their portfolio as well as a dedicated account manager. It claims to offer protection for non-standard properties such as listed buildings or those prone to flooding. And could cover a range of tenants such as professionals, asylum seekers or students. What’s more, its landlord insurance is 5* Defaqto-rated. Here’s what else we think you should know about this broker.

Who is Simple Landlords Insurance?

Simple Landlords Insurance is a specialist insurance broker that was created 10 years ago. It was one of the first brands to offer specialist landlord insurance online.

Simple Landlords Insurance is a business name of Millennium Insurance Brokers Ltd, part of the IRIS Group, which in turn, is part of the Ardonagh Group.

Millennium Insurance Brokers Ltd is authorised and regulated by the Financial Conduct Authority.

What is covered under my policy?

Simple Landlords Insurance offers landlord cover that you can pick and choose to suit your own requirements regarding your property and tenants. Some of the features to the key building and contents insurance policies include:

Buildings insurance:
  • £75,000 up to £2 million buildings sum insured
  • Trace of water and oil leaks from heating systems or pipes up to £2,500
  • Ground movement cover from subsidence or landslips
  • Theft or attempted theft, malicious damage or vandalism (by third parties and not tenants)
  • Accidental damage to windows, bathroom furniture, pipes and cables
Contents insurance:
  • £5,000 up to £50,000 contents sum insured
  • Water or oil leak from heating systems or pipes
  • Ground movement cover from subsidence or landslip
  • Theft or attempted theft, malicious damage or vandalism (by third parties and not tenants)
For a full list of policy features, you’ll need to check policy details carefully to ensure you have the right cover for your needs.

Optional extras

Simple Landlords Insurance offers a wide range of additional protection that can be bolted onto a landlord insurance policy including:

  • Legal liability cover
  • Loss of rent and alternative accommodation cover
  • Accidental and enhanced malicious damage cover
  • Home emergency cover
  • Rent guarantee cover
  • Excess protection
  • Legal expenses cover
  • Key protection cover
  • Multiple properties cover

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 compulsory or voluntary 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 Simple Landlords Insurance landlord insurance premium, including:

  • Your sum insured. The higher 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 Simple Landlords Insurance?

You can call the Simple Landlords Insurance landlord claims line on 0330 102 6755 to make a claim.

Depending on the nature of your claim, you will likely need to provide the following information:

  • 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. Failure to do this could result in a rejected claim later on.

Simple Landlords Insurance pros and cons


  • Landlord insurance can be tailored according to a range of requirements and budgets.
  • Landlord insurance for both domestic and commercial properties.
  • Accidental damage included as standard.


  • You will need to pay an administration fee if you need to make any changes to your policy during or after the 14-day cooling off period.
  • You will need to pay a cancellation fee if you decide to terminate your policy during or after the 14-day cooling off period.
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Written by

Helen Champion

Helen Champion was an associate editor at Finder. She has worked in communications for over 16 years and currently writes on a range of topics including insurance and money transfers in the hope of empowering people to make better financial decisions. During her broadcast career, she helped to produce hundreds of news and breaking news reports for Associated Press TV and ITV News. And in public relations, she managed several high-profile public relations campaigns for Macmillan Cancer Support, the General Medical Council and overseas for Qatar Foundation on behalf of BLJ Worldwide. Helen has a Bachelor of Arts in Journalism from the University of Lincoln, a passion for practising karate in the dojo and a deep love of making mischief with her sons. See full profile

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