Landlord building insurance covers against events such as flooding, subsidence, and fire. If you’re renting out a furnished property, it’s worth considering adding a contents insurance policy if you provide furniture for your tenants.
Compare landlords insurance quotes online or give us a call and one of our property insurance specialists will search the market to find the best level of cover for you.
Wide-ranging, comprehensive, five-star cover.
Award-winning service.
In-house claims team.
98% service and product customer feedback scores.
£5 million property owners’ liability cover.
Additional landlord insurancecovers available, such as landlord contents insurance, rent guaranteeinsurance, legal expenses and home emergency.
The Alan Boswell Group Difference
Alan Boswell Group is one of the country’s leading suppliers of landlord building insurance. Having worked with landlords for more than 40 years, we understand the buy-to-let sector and the challenges landlords face. Our experience and credibility within the industry means that we have been able to develop unique propositions, harnessing our buying power and expertise. It’s from this standing that we are able to deliver first-class independent advice, tailoring insurance products to your individual circ*mstances.
Our landlord advice hub is full of useful information to help landlords and property owners find the advice and products needed.
An amazing experience to have a helpful, polite, and knowledgeable member of staff to assist me. I felt very happy and secure with my insurance purchase and won’t bother to ever go to a comparison site again!
Mrs Hill - Landlord Insurance
Our NIG landlord insurance policy is a Which? Best Buy.
We take great pride in being recognised for our dedication to providing the best service and comprehensive, tailored cover for our customers’ needs. If you are unsure of the type of cover you need, our expert advisers are available to help over the phone.
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Landlords Insurance Enquiry
Landlord building insurance cost
How much does landlord building insurance cost?
You could pay as little as £118 for landlord building insurance or £10.52 per month if you choose to pay by direct debit. The precise cost of your policy will depend on a number of factors including the type of construction and size of the property, but last year 10% of our customers paid £118 or less (Jan 22 – Aug 22). Our landlords insurance statistics page shows a range of average prices customer might expect to pay.
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Landlord Building Insurance in detail
Landlord building insurance policies contain a range of covers, including:
Buildings Cover for rebuild or repair of your building following an insured event e.g. flood or fire.
Loss of rent Loss of rent cover following your rental property becoming uninhabitable after an insured event OR alternative accommodation costs for your tenants due to your property becoming uninhabitable after an insured event e.g. flood, fire etc.
Property owners' liability Protection against legal liability for personal injury or property damage suffered by third parties (including tenants) at your rental property.
Employers' liability Employers' liability cover for cleaners, gardeners, caretakers, and persons doing minor maintenance and repairs at your insured property.
Unoccupied property cover Full cover for up to 90 days unoccupancy, e.g. between tenancies or while up for sale.
Malicious damage by tenants Cover for malicious damage caused by your tenants to your property as standard.
When comparing policies make sure you compare on a like-for-like basis. Many companies claiming to offer cheap insurance will do so by limiting cover and increasing excesses.
Most insurance policies will have terms and conditions requiring you to have an Assured Short Term Tenancy Agreement (AST) in place, regardless of whether you are letting to your friends, family, or strangers.
If you have five properties or more you will need specialistlandlord insurancefor multipleproperties.
Thefeaturesthatmakethe best landlord insurancearesubjective,soit’suptoyoutodecidewhichbestsuitsyourneeds.
Some people prefer to talk to an expert and be walked through the product and its cover features, others prefer to only buy online. We offer both as we believe our customers should have the option to talk to us about the policy after they obtained a quote. You can read what others customer say about our services on our landlord insurance reviews. Ourlandlordproductincludescoveragethatotherinsurance companieschargeextraforordon’tofferatall, we’ve alsowon a few landlord insurance awards.However, the best thing to do iscompareourlandlordinsurancewithvariousotherproviders.
You can also read our reviews on Trustpilot and Feefo and, if you are a member, on Which.co.uk.
FAQs
The price of your landlord building insurance is affected by a variety of factors. As an independent landlord insurance broker we are not tied to any insurer, so we can find the best, high-quality cover for your needs.
Building insurance for buy-to-let properties covers the cost to rebuild or repair your building after an event e.g. flood or fire.
All our building insurance policies also include at least £5,000 for your fixtures, fittings, and white goods; £10m employers’ liability; accidental damage; loss of rent and £5m property owners’ liability.
Yes, you can increase your excess to obtain a discount.
Yes, you can add and remove properties throughout the year. Our insurance experts will take the time to understand your future plans and advise on the best products to fit your situation.
While we recommend tenant referencing, it is not a requirement of our landlord buildings and contents insurance products. However, if you want to buy rent guarantee and landlord legal expensesalongside your landlord insurance, you will need to reference your tenants.
Premiums can go up and down and there are many factors that will affect this. As we are independent we are not tied to any insurance provider and will ensure you have the best value and quality products at each renewal.
Landlord insurance is not a legal requirement, however there are circ*mstances where you will be required to have it. Firstly, it maybe a prerequisite of a mortgage offer that you hold valid landlord insurance for the length of your mortgage. Secondly, if you directly employ a cleaner or handyman for your property or portfolio then you may require employers’ liability. Our insurance experts will take the time to understand your circ*mstances and advise you of your legal obligations.
Yes, students and tenants on housing benefits can be accepted on to your insurance policy.
Yes, conservatories are covered as they are part of the building.
The roof is considered part of the fabric of the building, so it is covered by your building insurance.
No, rising damp is not covered by any insurance policies. Read about rising damp in more detail.
Flexible landlords insurance products from a market-leading broker. Compare quotes for your buildings, contents, and liability insurance for commercial or residential properties.
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Rent Guarantee Insurance
Provides insurance for non payment of rent in the event of a tenant defaulting as well as any landlord legal expenses cover of up to £100,000.
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Landlord Contents Insurance
Our landlord contents insurance is for the properties you have left fully or part-furnished and provides cover for the furnishings, fixtures and fittings.
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Multi Property Landlord Insurance
Multi-Property landlord insurance for your residential and/or commercial property portfolio.
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Landlord Home Emergency Cover
Home emergency cover for your own or rental property in the event of a domestic emergency e.g. boiler breakdown, failure in utilities etc.
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Landlord Legal Expenses Insurance
Provides cover for your rental property, including repossession of the property and other legal disputes.
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Commercial Landlord Insurance
Commercial buildings insurance for landlords from a market-leading broker. We’ll search the market and compare quotes so you can choose the best insurance.
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Block of Flats Insurance
A comprehensiveflat insurance policy tailored to your requirements will give you peace of mind, talk to one of our specialists today or get a quote online
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Tenant Referencing for Landlords and Letting Agents
Referencing of tenant(s) employment history, tenant history, identity and credit history and affordability.
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Landlord Cover
View the range of landlord covers available. Compare quotes for your buildings, contents, and liability insurance for your residential or commercial properties, serviced apartments and much more.
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Serviced Accommodation Insurance
We provide essential insurance with competitive premiums for landlords and property owners that run serviced accommodation properties.
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Landlord Pet Damage Insurance
We have teamed up with SAGIC to offer pet damage insurance cover which can be added to your SAGIC landlords and contents insurance policy.
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Airbnb Insurance
Airbnb insurance protects you as an Airbnb host should one of your paying guests cause any accidental damage to your treasured rental home.
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Home Insurance
Cover for the buildings and contents of your home for damage, theft, and other covers.
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Listed Building Insurance
Listed building insurance cover that’s tailored to your building’s specific needs. This includes protection against the often higher costs associated with repairing or reconstructing a historic building.
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Is rising damp covered by buildings insurance?
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The primary reasons for the difference in cost revolve around who is occupying the home. Insurance providers often see lower average claim amounts and fewer claims for owner-occupied homes when compared to tenant-occupied rental properties.
You'll need a standard homeowners insurance policy to protect a home you live in full time or rent out once or twice a year. But if you plan on renting out your house or second home for an extended period of time, you'll need landlord insurance — also known as rental property insurance.
Buildings insurance covers you if something happens to your home. For example, if a fire, flood or storm damages the building it will cover the cost of the repairs. It will cover the cost to rebuild, repair or replace things like your roof, walls, windows, doors or fitted bathrooms and kitchens.
Property owners need landlord insurance like Rental Property Protection Plus coverage from The Hartford to protect their rental property and everything they own inside them. For example, as a landlord, if your rental unit is damaged from a storm, landlord insurance can help cover the repair costs.
The main and most obvious distinction between renters insurance and homeowners insurance is that a homeowners policy safeguards the home's physical structure against covered perils while renters insurance won't protect the home or building occupied by the tenant.
Costs of homeowners insurance vs. renters insurance. In general, you can expect your renters insurance quote to be less than for homeowners insurance. That's because homeowners insurance includes the building structure itself, which isn't the case for renters insurance policies.
Termites and insect damage, bird or rodent damage, rust, rot, mold, and general wear and tear are not covered. Damage caused by smog or smoke from industrial or agricultural operations is also not covered. If something is poorly made or has a hidden defect, this is generally excluded and won't be covered.
When it comes to insuring your home, the 80% rule is an important guideline to keep in mind. This rule suggests you should insure your home for at least 80% of its total replacement cost to avoid penalties for being underinsured.
What Does Building Insurance Cover? Building insurance covers the structure and the fixtures inside your building–including any sinks, bathtubs, pipes and bathroom toilets. Garages, sheds and outside fences may also be covered under your policy.
Fast and Free Homeowners Insurance Quotes Online From The Hartford. At The Hartford, we'll help you get the coverage you need to protect your home. Get an online home insurance quote and start saving on your premiums today. Medical payments are calculated on the basis of usual, customary, and reasonable charges.
Property insurance is a type of insurance policy that can provide coverage for property owners or renters. Examples of property insurance include homeowners, renters, and flood insurance policies. These policies can provide coverage for damages caused by fire, flooding, theft, weather, and other risks.
Homeowners insurance is a type of property insurance that covers losses and damages to your home. It also protects assets in the house. The policy usually covers interior damage, exterior damage, loss or damage of personal assets, and injury that arises while on the property.
What is the difference between homeowner's insurance and renter's insurance? Homeowner's insurance covers the residence.Renter's insurance only covers the belongings in a residence.
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Our NIG landlord insurance policy is a Which? Best Buy.
