How much does landlord insurance cost per month?

In 2018, the average cost of landlord insurance was £217 a year, down from £230 last year. That being said, it’s difficult to predict the cost of landlord insurance because there are many different variables that will contribute towards the price of a premium.

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Do you offer a legal expenses policy?

We do offer a separate legal expenses policy which you can take out at any time. You can have different types of cover, from access to legal professionals for any legal advice 24/7, right up to £50,000 legal costs to cover your costs to take your tenants to court if they are in breach of their contract or have stopped paying the rent. Although we can't currently quote online for this we have a number of insurers that offer policies to meet your needs so call us on 01788 818 670 for a quote.

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What does the legal policy cover?

Landlords 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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What insurance would I need if I am a leaseholder?

Your lease agreement might dictate that you are responsible for insuring the buildings, in which case we can provide your with a landlord building insurance quote. Alternatively, you will at least want to insure your landlord contents, fixtures and fittings. Although we can't currently quote online for this we have a number of insurers that offer policies to meet your needs so click "get a call back" or call us on 01788 818670 for a quote. More information on insurance options for a leaseholder

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Are my personal belongings covered?

Unfortunately your own personal belongings won't be covered on this policy and you will need to take out a household policy to cover your contents. More information on personal belongings cover

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Can I buy Landlord Insurance if I live in the property myself?

Some insurers will allow you to have a landlord insurance policy if you're living there initially, on the basis that you will move out and your tenant will move in within 8 weeks. If you are intending on staying in the property with tenants there too, you will need a household policy rather than a landlord insurance policy. More information on live in landlord insurance

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Do you offer contents only policies?

We do offer landlords contents only policies over the telephone. Just click "Get A Callback" above or call us on 01788 818 670. More information on contents only policies

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What is free white goods cover?

If your policy includes free white goods cover then any freestanding washing machines, fridge-freezers, cookers, tumble dryers & dishwashers that you have left for your tenant to use, will be insured for all the standard perils that are listed under the buildings section of your policy. More information on free white goods cover

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Is it my responsibility to insure the contents?

Tenants should have their own contents insurance for items they keep in the property. However, if your property is furnished, it's your responsibility to have landlord contents insurance for the items you own, as well as any fixtures and fittings. More information on content insurance responsibilities

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Do I need a tenancy agreement?

Most of our insurers ask for a direct tenancy agreement to be in place for a minimum of 6 months.

As a general rule, you can expect to need to have a tenancy agreement in place before being permitted to take out any kind of landlord insurance. Nonetheless, it is advisable to consult the small print of your contract and ask questions of the insurer before purchasing.

More information on tenancy agreements

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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.