Landlord Flat Insurance
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What is landlord flat insurance?
Landlord flat insurance covers risks from renting out your flat that a home insurance policy doesn't. It can protect you in the event of fire, theft and damage to the property and its contents.Get a Quote
Do I need landlord insurance for a leasehold flat?
Whether you need landlord insurance for a leasehold flat depends on what parts of the flat you are legally responsible for. You can find out your responsibilities from the freeholder or from the lease agreement.
If you are not legally responsible for any part of the flat, then you will not be able to purchase landlord building or landlord fixtures and fittings insurance.Get a quote
What does landlord fixtures and fittings insurance cover for flats?
If you are legally responsible for fixtures and fittings, you will need landlord fixtures and fittings insurance. It covers standard perils and will cover fitted kitchens and bathrooms, internal pipework, and internal walls.
Property owners liability is also included on landlord fixtures and fittings insurance for all insured parts of the flat however, any external and communal areas won't be covered.
Our expert says...
"Always check your lease agreement carefully to ensure you understand which parts of your flat are your responsibility to insure. Your solicitor will be able to assist with this or you can request this information from the freeholder."
What does landlord contents insurance for flats cover?
If you are renting a furnished flat, landlord contents insurance for flats will cover any white goods, free standing furniture, carpets, curtains, and blinds that you leave for the tenant to use. Contents-only liability will be included which will cover any liability claims arising from the contents and not the fixtures and fittings or any external and communal areas.
What does landlord building insurance for flats cover?
If you are legally responsible for the entire flat (or flats) and not just the fixtures and fittings, you will need landlord building insurance. This will cover rebuild costs if the structure, including fixtures and fittings, of your property is damaged as a result of insured perils. Property owners liability will also be included in this policy.
How much is landlord insurance for a flat?
The cost of flat insurance for landlords will depend on the type and level and cover. The price will also depend on the location of the flat, the age of the building, and the value of the contents.
If you need to take out buildings and contents insurance, combine them into one policy for a cheaper deal.
Frequently Asked Questions
Advice Centre for Landlords
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