Landlord Insurance
propertySpecialist insurance for private landlords renting out residential property. Covers buildings, loss of rent, landlord liability, and optional legal expenses.
GeraSure is a comparison and referral service. Insurance products are provided by FCA-authorised or equivalent regulated insurers in each jurisdiction. GeraSure does not underwrite insurance policies and does not provide financial advice. Always read the policy wording before purchasing.
Typical Annual Premium
£200 – £900per year
Premiums depend on your risk profile, coverage level, and insurer. Get a personalised quote.
What's Covered
- ✓Buildings insurance for rented property
- ✓Loss of rent (if property uninhabitable after insured event)
- ✓Landlord liability (injury or property damage claims from tenants)
- ✓Optional: contents (landlord's furnishings)
- ✓Optional: legal expenses (rent arrears, eviction proceedings)
- ✓Optional: rent guarantee insurance
Key Exclusions
- ✕Deliberate damage by tenants (check policy limits)
- ✕General maintenance and wear and tear
- ✕Unoccupied properties beyond policy's void period
- ✕Tenant's personal belongings
How to Make a Claim
- 1
Report incident — emergency assistance available 24/7
- 2
Document damage with photos before any repair work
- 3
Submit claim via GeraSure with tenancy agreement and damage evidence
- 4
Loss adjuster visit for major claims
- 5
Settlement for repairs or loss of rent paid to policyholder
Available In
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Get a Free QuoteFrequently Asked Questions
Is landlord insurance a legal requirement?
Landlord insurance is not legally required in the UK, but standard home insurance is invalidated when you rent out your property. Without landlord insurance, you have no buildings cover and no liability protection.
What is rent guarantee insurance?
Rent guarantee insurance pays out your rental income if a tenant defaults on rent. It is separate from standard landlord insurance and typically requires a tenant reference check at the start of the tenancy.