CIA Landlords

Landlord Insurance FAQs

Read our most frequently asked questions listed below. To narrow down your search try selecting a specific category or if you cannot find the answer you are looking for please do not hesitate to contact us.

How long is a quote valid for?

30 days.
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How much does landlord insurance cost per month?

As of 2023, the average cost of landlord insurance per year is £170, which equates to roughly £14 per month. This will depend on various things, however, and you would need to consider aspects such as the year the property was built, the rebuild cost, the size of the property, and where the property is located. 
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How much does landlord contents insurance typically cost?

The price of landlord contents insurance will change based on the total value of the contents being insured, the location of the property, and so on. It is best practice for you to compare different prices and coverage options for landlord contents insurance from several insurers to help you make an informed choice.
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Does landlord contents insurance cover tenants’ personal belongings?

No, landlord contents insurance does not cover your tenants’ personal belongings, but it does cover you for any fridges, beds, sofas and so on that you may have provided for tenants.
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What makes the best landlord insurance?

The best landlord insurance should include the option of buildings only, buildings and contents, fixtures and fittings with or without contents or contents only insurance. This will include loss or rent cover and property owners liability, together with cover for all standard perils. You should also be able to add legal costs to the policy for an extra premium. Some landlord policies will only offer very basic cover and will charge more for loss of rent cover, property owners liability and some standard perils. Here at CIA, all our policies offer the higher levels cover available with no additional charges.
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Do you offer a multi property discount?

If you already have landlord insurance with us, then we will give you a multi-property discount. To take advantage of the discount, we will need to complete the quote over the phone with you, so, call us on 01788 818 670.
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What if my tenant works but also receives benefits?

We will just need to ask you a couple more questions in order for us to know how to class your tenant. Our insurers each have their own guidelines so this quote would be completed on the phone. To discuss the details, call us on 01788 818 670.
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Does the type of tenant I have in my property affect my policy?

Yes, all policies are quoted and proposed on a variety of different factors, one of those being the tenant type. If the current tenant's situation changes and they become a different tenant type, you will need to make us aware.
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What does the term 'tenant type' mean?

Tenant type refers to the tenant's current situation. For example, if they are in full-time work they would be classed as professionals. If they pay the majority of the rent with benefits they would be classed as DSS tenants. Other tenant types include students, asylum seekers, housing association tenants and retired tenants.
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What does the legal policy cover?

Landlord's legal protection is an insurance policy to protect you as the landlord of your property, in case your tenants are in breach of their contract and you need to take them to court. The insurance policy will cover the legal costs incurred.
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Home selling secrets

Amina was very helpful in sorting out my landlord’s insurance and spotted an error in my cover which helped reduce my premium.

First time landlords

We are first time landlords and you gave good advice and the process was easy and good value.

A pleasure to deal with

A pleasure to deal with, the lady on the phone was a credit to her company.