Landlord House Insurance - InsuraHome

With InsuraHome’s Landlord House Insurance we make protecting your property simple.

Your rental property is likely to be one of your biggest investments – so you need to have confidence and trust that it’s properly protected with the right Landlord House Insurance cover to suit your needs. At InsuraHome Home Insurance, we are experts in providing an extensive, appropriate and a potentially cheap landlord house insurance solution for many types of landlord’s including those that own a residential portfolio or rent out multiple properties to tenants.

What is Landlord House Insurance?

Landlord House Insurance covers the risks you face when letting or leasing your property.

If the building or the contents (if you have opted to take contents cover) inside are damaged, or you get into a dispute with your tenants, you could incur some hefty and unexpected costs. InsuraHome’s landlord insurance is designed to keep your investments safe and will help get your property back up and running, should something go wrong.

Landlord House Insurance is different from a ‘standard’ home insurance policy because it specifically covers the risks associated with renting a property. Even if you have reliable tenants, that pay their rent on time, there are still things that can and will go wrong over time and that’s where an InsuraHome Landlord House Insurance policy can help provide cover for you and your rental property from things such as loss of rent, accidental damage, injuries and much more.

Do I need Landlord House Insurance?

Your standard home insurance policy is unlikely to cover your property that is rented to third parties as it is designed for Owner/Occupiers. So, if you want to safeguard your property while it is rented to tenants, it’s important to obtain a specialist landlord insurance, such as InsuraHome, as being a landlord comes with its own unique set of challenges and risks. InsuraHome Home Insurance’s Landlord House Insurance is designed to meet those particular needs.

Although landlord insurance isn’t a legal obligation, most buy-to-let mortgage lenders will require you to take out suitable insurance before your tenants move in. At InsuraHome Home Insurance, we understand that being a landlord is complex and that’s why, to make your job easier, we offer specialist House Insurance for Landlords, designed to protect your wallet and your peace of mind.

Or speak to An InsuraHome Landlord House Insurance Specialist by calling +44 (0) 1483 806 815

Landlord House Insurance is Available for:

  • Landlords and Buy-to-Let Properties
  • Clean and Non-standard Risks
  • Property Portfolios up to £15 million Total Sum insured
  • Landlords with Adverse Claims History
  • All Tenancy types and agreement lengths considered

Landlord House Insurance Includes Cover for a Number of Perils:

  • Fire, Lightning, Explosion or Earthquake
  • Storm, Flood or Weight of Snow
  • Escape of Water or Frost Damage to Fixed Water Tanks, Apparatus or Pipes
  • Theft or Attempted Theft
  • Subsidence or Heave of the Site on which the Buildings Stand or Landslip

Key Benefits of InsuraHome’s House Insurance for Landlords:

InsuraHome’s Landlord House Insurance offers high levels of standard cover, plus options to increase and extend your cover if you need to. Landlord House Insurance from InsuraHome Home Insurance offers a number of benefits including:

  • Buildings Insurance with Accidental Damage Option – Minimum Sum Insured £75,000


Covers the costs associated with repairing or rebuilding your property if it’s damaged or destroyed. Buildings includes the home itself, any fixtures and fittings, swimming pools and much more.


  • Landlords Contents with Accidental Damage Option – Minimum Sum Insured £10,000, if Contents Insurance taken


Covers household goods and personal property within the home which belong to or for which you are legally liable for. Landlord contents include furniture, carpets, curtains, blinds, domestic appliances and more.


  • Accidents to Domestic Employees (such as Cleaners) up to £10,000,000


If you employ someone to work at the property such as a cleaner or a gardener, this section of cover protects you against claims for bodily injury from an event at your property.


  • Legal Liability to the Public up to £5,000,000


Liability cover is designed to project you in the event you are found liable for bodily injury or damage to property caused by an accident happening at the premises.


  • Landlords Legal Expenses
  • Rent Guarantee Option

And many more benefits.

Click here to see the full InsuraHome Landlord Insurance Policy Wording for the full summary of buildings and contents covers as well as optional covers.

What is Covered?
  • Landlords
  • Buy-to Let properties
  • All tenancy types
  • Non-standard properties

How to get a Quote

To get a Quote, simply do one of the following:

  • Click any of the 'Request a Quote' Buttons and complete the online form.
  • Call our Specialists on 01483 806 815.
  • Download our Application Form located on the 'Policy Documents' page, print it out and fill in your details using BLOCK CAPITALS. This form can then either be posted to us, or scanned and emailed to
  • Download our Application Form and save it to your desktop. Re-open it, fill it in digitally and click 'Send me to the InsuraHome Specialists' on the final page, once you have completed all questions.
  • If you would like to request a call, send an email to with your name and contact number.

Please Note: Our Open Times are: 09:00-17:30, Monday-Friday.

Or speak to An InsuraHome Landlord House Insurance Specialist by calling +44 (0) 1483 806 815

Landlord House Insurance – What is Covered?

Building Insurance Summary of Cover – InsuraHome House Insurance for Landlords

CoverLimit (£)
Minimum Building Sum Insured£75,000 (No Upper Limit)
Loss of Rent & Alternative Accommodation25% of Buildings Sum insured and up to 24 months
Alternative Accommodation due to SquattersUp to £5,000
Replacement LocksUp to £5,000
Unauthorised Use of Electricity, Gas or WaterUp to £5,000
Theft / Attempted Theft by TenantsUp to £10,000

Contents Insurance Summary of Cover – InsuraHome House Insurance for Landlords

CoverLimit (£)
Landlords ContentsMinimum £10,000*
Accidental Damage to Electronic EquipmentIncluded

*Minimum Content Sums Insured is £10,000, when the Contents Insurance option has been selected. If Contents Insurance is opted-out, up to £5,000 cover may be available as an automatic additional cover under Buildings Insurance.

Or speak to An InsuraHome Landlord House Insurance Specialist by calling +44 (0) 1483 806 815

Landlord House Insurance Frequently Asked Questions – FAQs

Is Landlord House Insurance compulsory?

Landlord Building Insurance is not legally required and is therefore not compulsory although many mortgage providers require Buildings insurances as mandatory and some lettings agencies strongly encourage Landlord Building Insurance to the point where they will refuse to manage your property without it! However, even with the perfect tenant things can still go wrong which could potentially leave you significantly out of pocket if you are not adequately insured. That’s why Landlord Building Insurance is there to protect you financially against unexpected events that could otherwise cost a lot of money. Always refer to the policy wording for full summary of covers.

What does Landlord House Insurance cover?

Landlord Building Insurance covers the physical structure of your building, and its fixtures and fittings, including gates, fences, patios, terraces, drives, pipes and much more. It protects these things against accidental damage as well as potentially more expensive perils such as fire, flood, burst pipes, escaped water, subsidence and countless other potential disasters.

What does Landlord House Insurance cost?

The cost of a Landlord Building Insurance will vary from policy to policy depending on the size of your property, whether you rent to students or professionals and more. When choosing a Landlord Building Insurance policy make sure that it meets your requirements to ensure that you are protected.

Contact InsuraHome Landlord House Insurance UK

If you wish to speak to one of our InsuraHome Landlord House Insurance Specialists:
Call: +44 (0) 1483 806 900
(Open 9.00am-5.30pm, Monday-Friday, excluding English Public Holidays).
For Claims information, please click here.

About Our InsuraHome Landlord House Insurance Policy

Our Landlord House Insurance Policy is underwritten by Plum Underwriting Ltd, due to their flexibility and non-standard underwriting experience. InsuraHome House Insurance for Landlords is backed by a team of underwriters who are highly experienced and deal with each risk on a case-by-case basis. Therefore, our customers can be assured that all our InsuraHome Landlord House Insurance policies provide tailor-made protection, as required.

How do I get an InsuraHome Landlord House Insurance Quote?

At InsuraHome we like to provide you with first class customer service to ensure you are getting the protection you require.

To get an InsuraHome Landlord House Insurance quote click the ‘Request a Quote’ Button and complete the online form. Alternatively download and complete an application form located on the ‘Policy Documents’ page and email it to

If you would like some assistance when completing your application form do not hesitate to call our InsuraHome Landlord House Insurance specialists on 01483 806 900.

Or speak to An InsuraHome Landlord Insurance Specialist by calling +44 (0) 1483 806 815

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