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Landlord Insurance: What Cover Do You Really Need?

Posted : 08/09/2025 | By Alice Davies

Standard home insurance won’t cut it for rental properties. Landlord insurance is designed to protect both your property and income. But what cover do you really need?


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Types of Landlord Insurance

  1. Buildings Insurance – Covers the structure itself (mandatory if you have a mortgage).

  2. Contents Insurance – Protects furniture and appliances if you rent furnished.

  3. Loss of Rent Insurance – Covers income if the property becomes uninhabitable (e.g., fire or flood).

  4. Rent Guarantee Insurance – Protects against tenant default.

  5. Liability Insurance – Covers legal claims if a tenant is injured in your property.

  6. Legal Expenses Cover – Helps with the cost of disputes or evictions.

Do You Need It All?

Not always. For example, contents cover isn’t needed for unfurnished lets. But liability and building cover are highly recommended.

How to Choose

  • Compare policies carefully—cheapest isn’t always best.

  • Look for reputable insurers experienced with landlords.

  • Bundle covers where possible to save money.

📌 Takeaway: Insurance isn’t just a legal box-tick—it’s essential risk management for landlords.