{"id":146489,"date":"2018-11-08T10:18:55","date_gmt":"2018-11-08T10:18:55","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?page_id=146489"},"modified":"2026-02-13T04:24:32","modified_gmt":"2026-02-13T04:24:32","slug":"landlord-insurance","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance","title":{"rendered":"Compare landlord insurance"},"content":{"rendered":"<style>\r\n.gx-badge .popover-content { line-height: 19.5px; }\r\n@media screen and (max-width: 600px) {\r\n.uk-hero-rates ul { margin-left: auto !important; margin-right: auto !important; width: fit-content; }\r\n.uk-hero-rates .text-xxx-large { text-align: center; }\r\n.applylinks .luna-button--success { margin-top: 12px; }\r\n}\r\n<\/style>\r\n<article id=\"ukfeatureproduct\" class=\"luna-card luna-card--border uk-hero-rates\" style=\"max-width: 897px; margin: 0px auto 24px;\">\r\n\r\n<footer class=\"hero-rates__disclaimer-popup disclaimer_popup-with-text has-padding-xsmall no-padding-bottom\">\r\n<span class=\"disclaimer_popup--text\">Promoted<\/span>\r\n<a class=\"disclaimer_popup disclaimer_title_empty\" data-target=\"#disclaimer_popup\" data-toggle=\"modal\" href=\"#\" aria-label=\"Learn more about what Promoted means on Finder\">\r\n<svg class=\"luna-icon luna-icon--small luna-icon--primary\">\r\n<use xlink:href=\"#info-circle\"><\/use>\r\n<\/svg>\r\n<\/a>\r\n<\/footer>\r\n\r\n<div class=\"luna-card__block no-padding-top\" style=\"border: 0px;\">\r\n<div class=\"u-grid u-grid--alignMiddle\">\r\n<div class=\"u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/home-insurance\/lemonade-home-insurance.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%224cd09bcf-061b-458e-a354-9902989c9651%22%2C%22product_name%22%3A%22Lemonade%2Bhome%2Binsurance%22%2C%22offer_id%22%3A%22%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_COMPACT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFHO%22%2C%22post_id%22%3A%22146489%22%2C%22post_path%22%3A%22home-insurance%252Flandlord-insurance%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"new\"><img decoding=\"async\" src=\"https:\/\/www.finder.com\/niche-builder\/68ed23cc0a075.png\" alt=\"Lemonade home insurance\" class=\"has-margin-bottom-xsmall has-padding-small no-padding-top has-margin-top-small\" style=\"width: 168px; min-width: 120px; max-height: 140px;\" srcset=\"https:\/\/www.finder.com\/niche-builder\/68ed23cc0a075.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/68ed23cc0a075.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/68ed23cc0a075.png?fit=504 504w\" sizes=\"(max-width: 504px) 100vw, 504px\" loading=\"lazy\"><\/a><\/div>\r\n<div class=\"u-grid__col u-1\/2@s\" style=\"margin-top: -5px;\">\r\n<div class=\"has-margin-bottom-xsmall text-xxx-large weight-normal\">Insurance for landlords<\/div>\r\n\r\n\r\n<ul class=\"list-1 no-margin-left\">\r\n\r\n\r\n\r\n<li>Fast, app-based process<\/li>\r\n\r\n<li>Transparent pricing <\/li>\r\n\r\n<li>Simple interface<\/li>\r\n\r\n\r\n\r\n<\/ul>\r\n\r\n\r\n<\/div>\r\n<div class=\"applylinks u-grid__col u-1\/4@s text-center\"><a href=\"https:\/\/www.finder.com\/redirect\/uk\/home-insurance\/lemonade-home-insurance.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%224cd09bcf-061b-458e-a354-9902989c9651%22%2C%22product_name%22%3A%22Lemonade%2Bhome%2Binsurance%22%2C%22offer_id%22%3A%22%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_COMPACT_HERO_CONTENT%22%2C%22niche_code%22%3A%22UKFHO%22%2C%22post_id%22%3A%22146489%22%2C%22post_path%22%3A%22home-insurance%252Flandlord-insurance%22%2C%22post_country%22%3A%22uk%22%7D\" rel=\"sponsored\" target=\"new\" class=\"luna-button luna-button--large luna-button--success luna-button\">Go to site<\/a>\r\n\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n\r\n<\/article><p>Managing a rental property essentially means you\u2019re running a business. This means that, as a landlord, you have many more risks to consider than a regular home owner, and standard home insurance might not cut it. We explain how landlord insurance works, why it\u2019s a must-have if you\u2019re thinking of going into the rental business, and how to get the right cover at the right price.<\/p><h3>What is landlord insurance?<\/h3><p>Landlord insurance is a type of home insurance specifically designed for rental properties. It covers many of the same things as regular home insurance, but typically with a few extras included that landlords might find particularly valuable. It is also sometimes known as rental insurance, property rental insurance, or buy-to-let insurance.<\/p><h3>What types of landlord insurance are there?<\/h3><p>The two main types of landlord insurance are the same as for home insurance. You can buy them separately or, if you need both, it\u2019s often cheaper to buy them as a combined policy.<\/p><h4>Landlord buildings insurance<\/h4><p>This covers repairs to the structure of your property following damage caused by an event covered under the insurance policy. This usually includes subsidence, fire, flood, storm and water damage, and theft (unlikely as it may seem that anyone would try and steal part of a building\u2019s structure, there have been cases of criminals stealing lead from guttering, piping or rooves, for example). Some policies also include accidental damage by your tenants; with others it\u2019s an optional add-on.<\/p><p>Think of <a href=\"https:\/\/www.finder.com\/uk\/home-insurance\/buildings-insurance\">buildings insurance<\/a> as covering anything that would stay in place (more or less) if you turned your property upside down and shook it. So as well as damage to the walls, floors and windows, for example, a fitted kitchen would be covered. However a freestanding oven probably wouldn\u2019t be. There are some things that don\u2019t quite fit in this definition \u2013 such as a TV that\u2019s attached to the wall. And, for some reason, carpets seem a bit of a grey area as to whether they count as buildings or contents. So it\u2019s worth double checking precisely what is and isn\u2019t covered.<\/p><p>As a landlord, you\u2019ll usually need buildings insurance unless your rental property is in block of leasehold flats, in which case the freeholder is likely to be responsible for buildings insurance. It doesn\u2019t hurt to double check, though.<\/p><h4>Latest reviews of landlord insurance providers<\/h4><article class=\"luna-card luna-card--border uk-best-hero\">\r\n\t<div class=\"luna-card__block\">\r\n\t\t\r\n\t\t<div class=\"u-grid u-grid--alignTop\">\r\n\t\t\t<div class=\"u-grid__col u-1\/4@m\" style=\"padding-bottom: 10px;\">\r\n\t\t\t\t\r\n\t\t\t\t\t<center>\r\n\t\t\t\t\t\t<a rel=\"nofollow\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/uk\/home-insurance\/lemonade-home-insurance.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%224cd09bcf-061b-458e-a354-9902989c9651%22%2C%22product_name%22%3A%22Lemonade%2Bhome%2Binsurance%22%2C%22offer_id%22%3A%22%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_BEST_HERO%22%2C%22niche_code%22%3A%22UKFHO%22%2C%22post_id%22%3A%22146489%22%2C%22post_path%22%3A%22home-insurance%252Flandlord-insurance%22%2C%22post_country%22%3A%22uk%22%7D\" style=\"margin-bottom: 10px;\"><img decoding=\"async\" class=\"luna-image\" style=\"margin-bottom: 10px;\" src=\"https:\/\/www.finder.com\/niche-builder\/68ed23cc0a075.png\" alt=\"Lemonade home insurance logo\" srcset=\"https:\/\/www.finder.com\/niche-builder\/68ed23cc0a075.png?fit=180 180w, https:\/\/www.finder.com\/niche-builder\/68ed23cc0a075.png?fit=360 360w, https:\/\/www.finder.com\/niche-builder\/68ed23cc0a075.png?fit=600 600w, https:\/\/www.finder.com\/niche-builder\/68ed23cc0a075.png?fit=900 900w, https:\/\/www.finder.com\/niche-builder\/68ed23cc0a075.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/a>\r\n\t\t\t\t\t<\/center>\r\n\t\t\t\t\r\n\r\n                \r\n\t\t\t\t\t<a class=\"luna-button luna-button--success luna-button--fluid\" rel=\"nofollow\" target=\"_blank\" href=\"https:\/\/www.finder.com\/redirect\/uk\/home-insurance\/lemonade-home-insurance.html?nb=1&amp;src_country=uk&amp;redirect_tracking_params=%7B%22placement_type%22%3A%22nb-product%22%2C%22product_id%22%3A%224cd09bcf-061b-458e-a354-9902989c9651%22%2C%22product_name%22%3A%22Lemonade%2Bhome%2Binsurance%22%2C%22offer_id%22%3A%22%22%2C%22decorator%22%3A%22GLOBAL.PRODUCT.UK_BEST_HERO%22%2C%22niche_code%22%3A%22UKFHO%22%2C%22post_id%22%3A%22146489%22%2C%22post_path%22%3A%22home-insurance%252Flandlord-insurance%22%2C%22post_country%22%3A%22uk%22%7D\" role=\"button\">\r\n\t\t\t\t\t\t<span>Go to site<\/span><svg class=\"luna-icon luna-icon--small\" aria-hidden=\"true\"><use xlink:href=\"#lock\"><\/use><\/svg>\r\n\t\t\t\t\t<\/a>\r\n\t\t\t\t\r\n\t\t\t\t\r\n\t\t\t\t\t\r\n\t\t\t\t\t\t<a class=\"luna-button luna-button--action luna-button--fluid\" href=\"https:\/\/www.finder.com\/uk\/home-insurance\/lemonade-review\" role=\"button\">Read review<\/a>\r\n\t\t\t\t\t\r\n\t\t\t\t\r\n\t\t\t<\/div>\r\n\t\t\t<div class=\"u-grid__col u-3\/4@m\" style=\"padding-bottom: 0px;\">\r\n\t\t\t\t<h4 id=\"4cd09bcf-061b-458e-a354-9902989c9651\" style=\"font-size: 20px; font-weight: 600; margin-bottom: 10px;\">\r\n\t\t\t\t\t\r\n\t\t\t\t\t\tLemonade home insurance<\/h4>\r\n\t\t\t\t\r\n\r\n\t\t\t\t\r\n\t\t\t\t<div class=\"has-overflow-auto luna-tabs\" style=\"margin: 0rem;\">\r\n\t\t\t\t\t<ul class=\"luna-tabs__list\">\r\n\t\t\t\t\t\t<li class=\"active luna-tab\">\r\n\t\t\t\t\t\t\t<a class=\"luna-tab__action\" href=\"#pb-tabname0-4cd09bcf-061b-458e-a354-9902989c9651\" data-toggle=\"tab\">Info<\/a>\r\n\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t\t<li class=\"luna-tab\">\r\n\t\t\t\t\t\t\t<a class=\"luna-tab__action\" href=\"#pb-tabname1-4cd09bcf-061b-458e-a354-9902989c9651\" data-toggle=\"tab\">Pros and cons<\/a>\r\n\t\t\t\t\t\t<\/li>\r\n\t\t\t\t\t<\/ul>\r\n\t\t\t\t\t<div class=\"tab-content\">\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\t<div class=\"tab-pane active\" id=\"pb-tabname0-4cd09bcf-061b-458e-a354-9902989c9651\">\r\n\t\t\t\t\t\t\t<div data-category=\"\" data-niche=\"\" data-fieldset=\"default\" class=\" default\">\r\n\t\t\t\t\t\t\t\t<div class=\"has-padding-xsmall\"><\/div>\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t\t\tLemonade is a fully digital insurance service. It uses AI and chatbots to create your insurance package and handle claims. You can find policies for renters, homeowners, car and pet owners, as well as life insurance. Central to its business is its 'Giveback' programme, where it donates whatever is left after it's taken a flat fee and paid claims and expenses. If you need to file a claim, you can do this all through the Lemonade app, where you can complete a claims report, including a video where you're able to explain the incident.\r\n\t\t\t\t\t\t\t\t\r\n\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\r\n\t\t\t\t\t\t\r\n\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/div>\r\n<\/article>\r\n\r\n<style>\r\n\t.no-cta-button {\r\n\t\tfont-weight: bold;\r\n\t\tfont-size: 18px;\r\n\t\tcolor: #00ba9c;\r\n\t\ttext-decoration: underline;\r\n\t\ttext-align: center;\r\n\t\tmargin-top: 0 !important;\r\n\t\twidth: 100%;\r\n\t}\r\n\r\n\t.no-cta-button:hover {\r\n\t\tcolor: #4dceb9;\r\n\t}\r\n\r\n<\/style><h4>Landlord contents insurance<\/h4><p>If you\u2019re letting out a furnished flat, landlord contents insurance covers any items you own that don\u2019t comprise part of the structure.  Think sofas, tables, beds and freestanding kitchen equipment and utensils. Contents insurance covers the same types of risk as buildings insurance.  Again, accidental damage by your tenants may or may not be covered as standard, so if this is important to you, double check.<\/p><p>A key distinction between landlord contents insurance and regular contents insurance is that the landlord version won\u2019t cover anything owned and brought into the home by your tenant, such as clothes, audio equipment, jewellery or food. If your tenants want protection for their belongings, they\u2019ll need to buy their own separate <a href=\"https:\/\/www.finder.com\/uk\/home-insurance\/contents-insurance\">contents insurance<\/a>.<\/p><h3>What are my landlord insurance options?<\/h3><p>So you\u2019ve got buildings insurance, and contents insurance. So far so straightforward. But landlord insurance isn\u2019t quite as simple as insuring the building and\/or the contents of a property. As someone operating a commercial business, you have multiple other factors to consider. Chances are, if there\u2019s a risk of financial loss, there will be a type of landlord insurance to cover it.<\/p><p>Some policies may include some of the below as standard. Others will give you the option to bolt them on for an additional premium. In some cases, you may also be able to buy them as standalone policies.<\/p><ul><li><strong>Accidental damage<\/strong>. You might assume that if a tenant spilled red wine over your sofa, or managed to put a dent in your wall, that this would be included as standard with a contents or buildings policy. But while some insurers include it as standard, others charge extra. So always check the small print.<\/li><li><strong>Rental income protection<\/strong>. If your flat can\u2019t be lived in while repairs are carried out following flood, fire or other major damage, this insurance covers your lost rental income. Some policies also cover any additional costs you incur to arrange alternative accommodation for your tenants.<\/li><li><strong>Rent guarantee insurance<\/strong>. This can offer financial protection f your tenants can\u2019t (or won\u2019t) pay their rent while still living in your property.<\/li><li><strong>Unoccupied property cover<\/strong>. Standard landlord insurance usually requires that a property isn\u2019t left vacant for more than a month or two at a time. This type of cover ensures your property remains insured if it is unoccupied for longer period between tenants. If you need to have renovations done, or own a holiday let that is rarely occupied in the off-season, for example. It\u2019s not usually designed to cover loss of rental income.<\/li><li><strong>Property owners\u2019 liability (public liability) insurance<\/strong>. This covers you for any legal expenses you incur if a tenant or another party takes action against you after they\u2019re harmed, or their belongings are damaged, at your property.<\/li><li><strong>Landlord emergency cover<\/strong>. As with regular <a href=\"https:\/\/www.finder.com\/uk\/home-insurance\/best-home-emergency-cover\">home emergency cover<\/a>, this covers the immediate cost of dealing with emergencies such as burst pipes or boilers on the blink.<\/li><li><strong>Legal expenses cover.<\/strong> This can help you recover any legal costs for dealing with things like chasing unpaid rent, evicting a tenant, or personal injury claims.<\/li><li><strong>Employer\u2019s liability insurance<\/strong>. If you employ anyone at your property \u2013 a cleaner or gardener, for example \u2013 this covers any costs you incur if they become ill or are injured because of their work for you. It\u2019s usually a legal requirement if you use any employees at rental properties.<\/li><\/ul><h3>How to compare landlord insurance<\/h3><p>Landlord insurance may seem complex and confusing. Break it down into steps to help make the process less daunting.<\/p><ol><li><strong> Decide what risks you want to cover.<\/strong> Do you just want basic cover to insure your buildings (and any contents if your property is furnished) against damage or theft, or do you also want to protect yourself against the risk of losing rental income, or your liabilities if a tenant is injured in your property?<\/li><li><strong>Calculate what levels of cover you need for your rental property<\/strong>. Calculate the worst-case scenario costs of setting things right \u2013 if your property was destroyed in a fire, for example. Get an up-to-date valuation for the rebuild costs, and tot up the value of your belongings. There are online calculators that can help with the latter.<\/li><li><strong>Compare quotes for the cover you need.<\/strong> Several price comparison sites let you compare landlord insurance, but be aware that many of them partner with specialist business insurance broker <a href=\"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance\/simply-business-landlord-insurance-review\">Simply Business<\/a>. So if you want to get a range of quotes, as we would always recommend, you will also need to go directly to a few <a href=\"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance\/best-landlord-insurance\">landlord insurance providers<\/a>. These include mainstream insurers, such as Aviva and Direct Line, as well as several specialist landlord insurance brokers.<\/li><li><strong>Compare the cost of bundled vs standalone policies<\/strong>. When reviewing policies, make sure you\u2019re comparing like with like. Some policies may include features as standard that others offer as an optional extra. Often, you\u2019ll save money by buying all the cover you need from a single provider. But there may be occasions when it\u2019s worth splitting out certain elements of cover \u2013 if the home emergency insurance offered through your chosen policy doesn\u2019t cover everything you want it to, for example.<\/li><li><strong>Read the small print<\/strong>. Don\u2019t wait until it\u2019s time to make a claim to check policy documents. Read the terms and conditions of shortlisted insurers (or at very least the summary) before you buy a policy. You don\u2019t want to allow your tenants to bring their pet, only to discover too late that pet damage isn\u2019t covered, for example.<\/li><\/ol><h3>What affects the cost of landlord insurance?<\/h3><p>There is no blanket answer to the question of how much you can expect to pay for cover. The cost of landlord insurance is influenced by a number of factors, including:<\/p><ul class=\"list-10\"><li><b>Where the property is located.<\/b> This can affect the likelihood of you needing to make a claim. For example, you may live in a high-crime area where there is an increased risk of burglary, or an area where the cost of property repairs is high.<\/li><li><b>The type of property.<\/b> The size of the house will affect the cost of cover. Fairly obviously, a four-bedroom house will typically cost more to insure than a two-bedroom apartment in the same area.<\/li><li><b>The site itself. <\/b>Other unique factors about your property will also be taken into account. For example, if it\u2019s located in a flood-prone area or surrounded by tall trees, your premiums could be higher.<\/li><li><b>The value of your building and contents.<\/b> How much would it cost to rebuild your property and to replace all the contents that you (rather than the tenants) own? The higher this figure is, the higher your landlord insurance premiums will be.<\/li><li><b>How secure your property is.<\/b> Does the property have any security features to deter thieves, such as a state-of-the-art alarm system? If so, this could lower your premiums.<\/li><li><b>The age and construction of your property.<\/b> The insurer will consider how old your property is and the materials used in its construction when determining how likely it is to withstand damage, and how much that damage will cost to repair or replace.<\/li><li><b>Your claims history. <\/b>If you\u2019ve previously made multiple claims on a landlord insurance policy, you can probably expect an increase in the cost of cover in the future.<\/li><li><strong>How many optional extras you include<\/strong>. If you bolt on a selection of the landlord insurance options outlined above, you can expect to pay more.<\/li><\/ul><h3>How can I save money on my landlord insurance?<\/h3><ul><li><strong>Up the excess.<\/strong> As with any insurance, opting for a higher voluntary excess can reduce your premiums. Just be aware that you\u2019ll need to pay more in the event of a claim.<\/li><li><strong>Boost your security.<\/strong> Your insurer is likely to look favourably on a burglar alarm and good-quality locks.<\/li><li><strong>Be picky with the tenants you\u2019ll accept<\/strong>. Some tenants, such as students, are deemed riskier than others by insurers.<\/li><li><strong>Avoid unoccupied periods<\/strong>. As standard, insurers won\u2019t insure properties that are unoccupied for 30 (or in some cases 60) days. If your property is empty for longer than this, you may need to pay extra for unoccupied property insurance.<\/li><li><strong>Get an accurate rebuild value<\/strong>. This may not save you money in the short term. But if disasters strikes and your property needs rebuilding from scratch, you\u2019ll be grateful not to have to pay for any shortfall out of pocket.<\/li><li><strong>Bundle up.<\/strong> If you want add-ons such as rental protection, liability insurance or landlord emergency cover, it\u2019s often cheaper to combine them into a single policy rather than buying them separately.<\/li><li><strong>Compare policies.<\/strong> As with any type of insurance, the cost of landlord insurance will also vary by insurance provider and its appetite for the particular risk that your situation poses. So shopping around and comparing policies is as crucial for landlord insurance as any other kind of insurance.<\/li><\/ul><h3>What does landlord insurance cover?<\/h3><p>As standard, you can expect landlord buildings and contents insurance to cover your property and your own belongings for subsidence; fire damage; flood, storm and water damage; theft. Some policies may also include accidental damage.<\/p><p>Some insurers may also include some elements of liability or rental protection as standard. With others, these may be an optional extra.<\/p><h3>What doesn\u2019t landlord insurance cover?<\/h3><p>When you compare the best landlord insurance policies, take a look at the list of exclusions. These are situations and events which the insurer may not cover, such as:<\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Your tenants\u2019 belongings<\/li><li>Deliberate damage by you or your tenants \u2013 though you may be able to add on malicious damage as an extra<\/li><li>Damage from wear and tear or poor maintenance, including rust, mould, or mildew<\/li><li>Loss or damage caused by insects or vermin. Pet damage may be optional, so don\u2019t assume it\u2019s included as standard<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@s\"><ul class=\"list-12\"><li>Routine repairs carried out by the tenant with your consent<\/li><li>Losses as a result of you breaching the lease agreement<\/li><li>The tenant using the property for trade, manufacturing or childcare with your knowledge or consent<\/li><li>The lawful seizure of the property.<\/li><\/ul><\/div><\/div><h3>Is landlord insurance worth it?<\/h3><p>There are a lot of costs to consider when buying and managing an investment property. The thought of shelling out even more for landlord insurance may make your heart sink. But there are several reasons why it\u2019s worthwhile:<\/p><ul class=\"list-1\"><li><b>It protects you against risks typically faced by landlords.<\/b> As a landlord, you\u2019re exposed to a range of risks that don\u2019t affect ordinary homeowners. The best landlord insurance provides the financial protection you need to look after your investment property.<\/li><li><b>It provides peace of mind. <\/b>In some cases, the security deposit won\u2019t be enough to cover you for tenant-related losses. Landlord insurance is designed to guarantee that you won\u2019t be left out-of-pocket if something goes wrong with your property.<\/li><li><b>Cover is available for short-term rentals.<\/b> Landlord insurance doesn\u2019t just cover long-term tenancies; there are also policies available to cover short-term rental arrangements, such as renting out your property through websites such as Airbnb.<\/li><li><b>It could be a requirement of your mortgage.<\/b> If you have a <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/buy-to-let-mortgages\">buy-to-let mortgage<\/a>, your lender might require you to have landlord insurance in order to qualify for the loan.<\/li><\/ul><h3>Pros and cons of landlord insurance<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Peace of mind that your rental property and contents you own are financially protected<\/li>\n                                    <li>Many policies include cover for loss of rental income, either as standard or as an optional extra<\/li>\n                                    <li>Bundling several elements of cover together under one policy can often help keep costs down.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Landlord insurance is likely to cost more than regular home insurance, due to the extra risks it covers<\/li>\n                                    <li>You might need to spend a bit of time working out exactly what protection you need, and making sure your chosen policy covers everything<\/li>\n                                    <li>If you end up with a big gap between tenants, you might need to pay extra for unoccupied property cover.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Is landlord insurance the same as home insurance?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Not exactly. The two components that make up most home insurance policies \u2013 buildings and contents insurance \u2013 are certainly key parts of most landlord insurance. But landlord insurance is a term used to describe a wider set of policies that can also cover the loss of rental income, legal expenses incurred as a landlord, or your liability if a tenant is injured as a result of living in your property.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">Is landlord insurance compulsory?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>No, there is no legal obligation you to take out landlord insurance. However, some mortgage lenders require landlords to take out a policy before approving loan applications.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Do policies cover me against damage caused by tenants' pets?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It depends on the policy \u2013 some do, some don\u2019t, and for some it\u2019s an optional extra. If you want to give your tenants the flexibility to bring their pets with them, make sure you choose a policy (or an add-on) that covers pet damage.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000003\" data-toggle=\"collapse\" data-target=\"#accordion0000000003\">\n        <span class=\"luna-accordion__title\">When should I take out landlord insurance?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000003\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Don\u2019t wait until you experience a problem with a tenant to think about purchasing cover. The best time to buy a policy is immediately after you settle on your investment property.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000004\" data-toggle=\"collapse\" data-target=\"#accordion0000000004\">\n        <span class=\"luna-accordion__title\">Does landlord insurance cover legal costs if I take a tenant to court?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000004\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It depends on the policy; not all insurers cover legal costs. Read the terms and condition of your policy closely for full details on what your policy does and does not cover.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000005\" data-toggle=\"collapse\" data-target=\"#accordion0000000005\">\n        <span class=\"luna-accordion__title\">Do insurers ask what kind of tenants I'll have?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000005\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. In most cases, you\u2019ll be asked what kind of tenant you plan to rent to during the application process. For example, an insurer might want to know if you\u2019ll typically be renting to students, professionals, or retirees. Who you rent to affects how much you pay for your landlord insurance. If you rent to socially-active students or those receiving housing benefit, you\u2019ll pay more.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000006\" data-toggle=\"collapse\" data-target=\"#accordion0000000006\">\n        <span class=\"luna-accordion__title\">Can I insure multiple properties under one landlord insurance policy?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000006\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. If you own more than one rental property, many insurers will let you insure them all under a \u201cmultiple property\u201d landlord policy. Some insurers will even let you insure a mix of residential and commercial properties under one policy.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">subject to our terms of use<\/a>. 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. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Renting out an investment property? Protect it against a wide range of risks with landlord insurance. Read on to learn what you can be covered for. <\/p>\n","protected":false},"author":805,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[2646],"tags":[],"asset_tag":[],"class_list":["post-146489","post","type-post","status-publish","format-standard","hentry","category-home-insurance"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Compare landlord insurance and buy online today | finder UK<\/title>\n<meta name=\"description\" content=\"You never know exactly who will end up living in your property. Compare landlord insurance and save. Cover for rental loss, damage, and natural disasters.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Compare landlord insurance\" \/>\n<meta property=\"og:description\" content=\"You never know exactly who will end up living in your property. Compare landlord insurance and save. Cover for rental loss, damage, and natural disasters.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2018-11-08T10:18:55+00:00\" \/>\n<meta name=\"author\" content=\"Ceri Stanaway\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Ceri Stanaway\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"15 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance\"},\"author\":[{\"name\":\"Ceri Stanaway\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/346b09c2d92bd1b0ab64696d6c340f1f\"},{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/e51bf0d0c713b09319e015432a340e05\"}],\"headline\":\"Compare landlord insurance\",\"datePublished\":\"2018-11-08T10:18:55+00:00\",\"dateModified\":\"2025-10-13T17:13:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance\"},\"wordCount\":3026,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"articleSection\":[\"Home Insurance\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"copyrightYear\":\"2018\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"},\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance\",\"url\":\"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance\",\"name\":\"Compare landlord insurance and buy online today | finder UK\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#website\"},\"datePublished\":\"2018-11-08T10:18:55+00:00\",\"dateModified\":\"2025-10-13T17:13:58+00:00\",\"description\":\"You never know exactly who will end up living in your property. Compare landlord insurance and save. Cover for rental loss, damage, and natural disasters.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"UK\",\"item\":\"https:\/\/www.finder.com\/uk\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Home Insurance\",\"item\":\"https:\/\/www.finder.com\/uk\/home-insurance\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Compare landlord insurance\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.finder.com\/uk\/#website\",\"url\":\"https:\/\/www.finder.com\/uk\/\",\"name\":\"Finder UK\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.finder.com\/uk\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\",\"url\":\"https:\/\/www.finder.com\/uk\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png\",\"contentUrl\":\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png\",\"width\":1392,\"height\":1392,\"caption\":\"Finder\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/findercomuk\",\"https:\/\/x.com\/findercomUK\",\"https:\/\/www.linkedin.com\/company\/finder\/\",\"https:\/\/en.wikipedia.org\/wiki\/Finder_(website)\"],\"description\":\"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.\",\"email\":\"heythere@finder.com\",\"legalName\":\"Finder\",\"foundingDate\":\"2006-01-01\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"51\",\"maxValue\":\"200\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/346b09c2d92bd1b0ab64696d6c340f1f\",\"name\":\"Ceri Stanaway\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/CeriStanawayF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/CeriStanawayF1_Finder_600x600.png\",\"caption\":\"Ceri Stanaway\"},\"description\":\"Ceri Stanaway is a researcher, writer and editor with more than 15 years\u2019 experience, including a long stint at independent publisher Which?. She\u2019s helped people find the best products and services, and avoid the pitfalls, across topics ranging from broadband to insurance. Outside of work, you can often find her sampling the fares in local cafes.\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/ceri-stanaway-67200315\/?originalSubdomain=uk\"],\"url\":\"https:\/\/www.finder.com\/uk\/author\/ceristanaway\",\"jobTitle\":\"Writer\",\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/e51bf0d0c713b09319e015432a340e05\",\"name\":\"Danny Butler\",\"description\":\"Danny was a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. \\r\\n\\r\\nDanny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC.\\r\\n\",\"jobTitle\":\"Publisher\",\"url\":\"https:\/\/www.finder.com\/uk\/author\/dannybutler\",\"sameAs\":[\"https:\/\/www.linkedin.com\/in\/dannybutler91\/\"],\"knowsAbout\":[{\"@type\":\"Thing\",\"name\":\"Car, home and business insurance\"},{\"@type\":\"Thing\",\"name\":\"Helping people save money on their insurance\"},{\"@type\":\"Thing\",\"name\":\"Project management\"},{\"@type\":\"Thing\",\"name\":\"Giving valuable insights to website visitors\"}],\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\/e51bf0d0c713b09319e015432a340e05\",\"url\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/DannyButlerF1_Finder_600x600.png\",\"contentUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/DannyButlerF1_Finder_600x600.png\",\"caption\":\"Danny Butler\"},\"worksFor\":{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\",\"name\":\"Finder\"}}]}<\/script>\n<meta property=\"article:modified_time\" content=\"2025-10-13T17:13:58+00:00\" \/>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Compare landlord insurance and buy online today | finder UK","description":"You never know exactly who will end up living in your property. Compare landlord insurance and save. Cover for rental loss, damage, and natural disasters.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance","og_locale":"en_GB","og_type":"article","og_title":"Compare landlord insurance","og_description":"You never know exactly who will end up living in your property. Compare landlord insurance and save. Cover for rental loss, damage, and natural disasters.","og_url":"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance","og_site_name":"Finder UK","article_publisher":"https:\/\/www.facebook.com\/findercomuk","article_published_time":"2018-11-08T10:18:55+00:00","author":"Ceri Stanaway","twitter_card":"summary_large_image","twitter_creator":"@findercomUK","twitter_site":"@findercomUK","twitter_misc":{"Written by":"Ceri Stanaway","Est. reading time":"15 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance#article","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance"},"author":[{"name":"Ceri Stanaway","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/346b09c2d92bd1b0ab64696d6c340f1f"},{"@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/e51bf0d0c713b09319e015432a340e05"}],"headline":"Compare landlord insurance","datePublished":"2018-11-08T10:18:55+00:00","dateModified":"2025-10-13T17:13:58+00:00","mainEntityOfPage":{"@id":"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance"},"wordCount":3026,"publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"articleSection":["Home Insurance"],"inLanguage":{"@type":"Language","name":"English","alternateName":"en"},"copyrightYear":"2018","copyrightHolder":{"@id":"https:\/\/www.finder.com\/#organization"},"commentCount":0},{"@type":"WebPage","@id":"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance","url":"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance","name":"Compare landlord insurance and buy online today | finder UK","isPartOf":{"@id":"https:\/\/www.finder.com\/uk\/#website"},"datePublished":"2018-11-08T10:18:55+00:00","dateModified":"2025-10-13T17:13:58+00:00","description":"You never know exactly who will end up living in your property. Compare landlord insurance and save. Cover for rental loss, damage, and natural disasters.","breadcrumb":{"@id":"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.finder.com\/uk\/home-insurance\/landlord-insurance#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"UK","item":"https:\/\/www.finder.com\/uk\/"},{"@type":"ListItem","position":2,"name":"Home Insurance","item":"https:\/\/www.finder.com\/uk\/home-insurance"},{"@type":"ListItem","position":3,"name":"Compare landlord insurance"}]},{"@type":"WebSite","@id":"https:\/\/www.finder.com\/uk\/#website","url":"https:\/\/www.finder.com\/uk\/","name":"Finder UK","description":"","publisher":{"@id":"https:\/\/www.finder.com\/uk\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.finder.com\/uk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder","url":"https:\/\/www.finder.com\/uk\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/","url":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png","contentUrl":"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2025\/05\/Finder-Logo-696x696-1.png","width":1392,"height":1392,"caption":"Finder"},"image":{"@id":"https:\/\/www.finder.com\/uk\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/findercomuk","https:\/\/x.com\/findercomUK","https:\/\/www.linkedin.com\/company\/finder\/","https:\/\/en.wikipedia.org\/wiki\/Finder_(website)"],"description":"Every month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. We compare everything from bank accounts, personal loans, investing platforms and much more.","email":"heythere@finder.com","legalName":"Finder","foundingDate":"2006-01-01","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"51","maxValue":"200"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/346b09c2d92bd1b0ab64696d6c340f1f","name":"Ceri Stanaway","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/CeriStanawayF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/CeriStanawayF1_Finder_600x600.png","caption":"Ceri Stanaway"},"description":"Ceri Stanaway is a researcher, writer and editor with more than 15 years\u2019 experience, including a long stint at independent publisher Which?. She\u2019s helped people find the best products and services, and avoid the pitfalls, across topics ranging from broadband to insurance. Outside of work, you can often find her sampling the fares in local cafes.","sameAs":["https:\/\/www.linkedin.com\/in\/ceri-stanaway-67200315\/?originalSubdomain=uk"],"url":"https:\/\/www.finder.com\/uk\/author\/ceristanaway","jobTitle":"Writer","worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}},{"@type":"Person","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/e51bf0d0c713b09319e015432a340e05","name":"Danny Butler","description":"Danny was a publisher at Finder specialising in insurance and investing. He previously worked at the global insurer Aon and has appeared in national media giving advice on insurance. \r\n\r\nDanny holds a BA in International Business from the University of Plymouth and has undying loyalty to his average-poor football team, Portsmouth FC.\r\n","jobTitle":"Publisher","url":"https:\/\/www.finder.com\/uk\/author\/dannybutler","sameAs":["https:\/\/www.linkedin.com\/in\/dannybutler91\/"],"knowsAbout":[{"@type":"Thing","name":"Car, home and business insurance"},{"@type":"Thing","name":"Helping people save money on their insurance"},{"@type":"Thing","name":"Project management"},{"@type":"Thing","name":"Giving valuable insights to website visitors"}],"image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.finder.com\/uk\/#\/schema\/person\/image\/\/e51bf0d0c713b09319e015432a340e05","url":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/DannyButlerF1_Finder_600x600.png","contentUrl":"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/2025\/12\/DannyButlerF1_Finder_600x600.png","caption":"Danny Butler"},"worksFor":{"@type":"Organization","@id":"https:\/\/www.finder.com\/uk\/#organization","name":"Finder"}}]},"article_modified_time":"2025-10-13T17:13:58+00:00"},"custom_fields":{"_wp_page_template":["default"],"_content_type":["niche-content\/information\/niche-article"],"_masthead_variant":["{\"id\":\"standard-blue\",\"showFeaturedImage\":false,\"presetId\":\"\",\"shouldUsePrimaryCTAFieldName\":false,\"shouldUseSecondaryCTAFieldName\":false,\"primaryCTA\":null,\"secondaryCTA\":null,\"widgetShortcode\":\"\",\"widgetHeading\":\"\",\"widgetStats\":\"\",\"hasPrioritizedWidget\":false,\"hasMaximizedWidget\":false,\"shouldUseOverrideCTALabel\":false,\"overrideCTA\":null,\"cleanTopPicks\":\"\",\"tilesMenuId\":\"\"}"],"_masthead_subheading":["{\"text\":\"Renting out a property? Compare landlord insurance policies to find the best protection for your investment.\"}"],"custom_post_template":["single-masthead-two-column.php"]},"amp_enabled":false,"_links":{"self":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/146489"}],"collection":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/users\/805"}],"replies":[{"embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/comments?post=146489"}],"version-history":[{"count":13,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/146489\/revisions"}],"predecessor-version":[{"id":573005,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/posts\/146489\/revisions\/573005"}],"wp:attachment":[{"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/media?parent=146489"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/categories?post=146489"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/tags?post=146489"},{"taxonomy":"asset_tag","embeddable":true,"href":"https:\/\/www.finder.com\/uk\/wp-json\/wp\/v2\/asset_tag?post=146489"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}