Landlord Insurance England

Here at CIA Landlords, we understand how important it is, as a landlord, to protect your investment property. We provide the best landlord insurance in England, protecting landlords across England against any unexpected events, and giving you peace of mind.

We compare landlord insurance across nine leading insurers to make sure you get the cheapest landlord insurance in England that is tailored specifically to suit all of your needs.

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Instant online landlord insurance quotes for England
Compared to nine leading insurers
Guaranteed cheapest landlord insurance in England

Why CIA Landlord Insurance England?

Guaranteed lowest landlord insurance prices in England

20+ years experience insuring English landlords

Personalised service

What is landlord insurance in England?

Landlord insurance in England is a policy that financially protects landlords in England from risks associated with renting out a property. Also known as buy-to-let insurance, it usually covers physical damage to the property and protects against liability claims from tenants or other third parties.

There are various optional extras for England landlord insurance quotes & policies, such as loss of rent cover, malicious damage and property owners' liability. An insurance broker like CIA can help you decide what level of coverage you need and support you in finding the cheapest landlord insurance in England.

Providing tenants with a property to live in is a big responsibility. To enjoy the peace of mind that your rental property is protected, choose CIA Landlords for a great deal for the cover you need.

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What are the responsibilities of a landlord in England?

Landlords in England who rent out their property must ensure they understand the responsibilities of being a landlord. It is required that you make sure your tenants are free from any health hazards by maintaining the property adequately.

Make sure all gas and electric equipment used by the tenants on the property is safely installed, regularly checked, and maintained, and provide your tenants with copies of the electrical safety certificates.

When finding a tenant for your property, you must always check if the tenant has the right to rent in England. This was introduced in the Immigration Act of 2014 to curb illegal immigration.

To ensure you and your tenants are safe, CIA Landlords can provide you with landlord insurance in England, giving you peace of mind and protection against unexpected events.

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Unique risks for landlords in England

As a landlord in England, there are many unique challenges you might face when renting out your property to tenants. From challenges with student lets in university cities, such as Oxford and Cambridge, to flooding and frozen pipes. By investing in the best landlord insurance in England, you will help to protect yourself and your property investments from the unique risks landlords in England face, like:

Storms
Floods
Frozen pipes
Property damage

All of these risks can cause significant challenges for landlords in England, which is why it is important to protect your investment with landlord insurance in England.

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What does landlord insurance in England cover?

You can tailor your landlord insurance policy depending on what you'd like to be covered for. The more cover you include, the higher your policy premiums will likely be. The different levels of cover you can choose from include:

Buildings only
Buildings & contents
Contents only (not including your tenant's belongings)
Fixtures and fittings
Full accidental damage
Loss of rent
Alternative accommodation
Property owner's liability
Unoccupied property cover
Legal protection
Malicious damage caused by tenants up to a maximum of £5,000
Theft by tenants up to a maximum of £5,000

Optional Extras

Malicious Damage & Theft By Tenants
Trace & Access Cover (most policies)
Landlord Legal Expenses
Legal Expenses

Our Expert says...

"Although landlord insurance in England is not mandatory, we can help you to protect your investment without having to spend a fortune. We’ll find you the best landlord insurance in England at the best price, so you don’t have to decide between protection and affordability."

Richard Wayman - Finance General Manager

We guarantee that we will never be beaten on cheap landlord insurance in England

If you find a like-for-like landlord insurance quote cheaper anywhere in the UK market, we will match or beat it.

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Instant online landlord insurance quotes for England
Compared to nine leading insurers
Guaranteed cheapest landlord insurance in England

What does landlord insurance in England cover?

Independent broker As independent insurance brokers, we can offer a more personal service and you can chat with our experts about your cover. Speak to real people, not chat bots.

Accurate quoting We can make a whole of market comparison to find you the best landlord insurance deal. The big names such as MoneySuperMarket and Comparethemarket only compare quotes from a select few insurers.

Tailor made policies You can compare landlord insurance policies like for like and tailor add-ons to your needs. With no hidden fees, we are happy to update your policy whenever you need.

Price guarantee We guarantee that we will never be beaten on price. We are specialists in providing cheap landlord insurance across England.

What our customers are saying about our landlord insurance in England From first time landlords to experienced letting agents

Using CIA for many years I've used CIA for many years now as a broker for my insurance and have no complaints. Staff are always friendly and helpful. Deborah King 06 July 2023

CIA make everything easy CIA make everything easy with decent prices and simple purchase and renewal of policies. Who wants anything more - they just get on with it. What a refreshing change! Roseann 04 July 2023

Great company Catherine was very helpful. Great communication. Great company, great price and great agents. Ten out of ten! I wouldn’t use anyone else. William McCullen 22 June 2023

Flat block insurance As a comparison to other insurance intermediaries: - Able to quote immediately when others take upto 24 hours. - Always remember and offer competitive renewals quotes - Easy and quick to speak to someone Overall very good and keep up the good work. Nick Lucas 13 June 2023

Very good friendly, professional team, offering competitive renewal. Very good, friendly and professional team. Friendly and thorough. Very competitive renewal quotes. Martin 02 May 2023

Exceptional staff Phil who dealt with my renewal was superb; very patient, knowledgeable and friendly! Thank you! Kirsty Bundy 27 April 2023

Brilliant CIA Insurance Team customer service When I called CIA Insurance today, the customer service team answered quickly so I was not left waiting on the phone or press numbers for various departments. I explained briefly what I needed and was helped professionally and efficiently by David. He was very knowledgeable, helpful and explained things clearly and effectively. Just what i needed without the waffle. Julie james 27 April 2023

Use CIA for our buy to let portfolio Use CIA for our buy to let portfolio. Great service and prices. The staff are always well informed and a pleasure to deal with Alan Doyle 24 April 2023

I have been using CIA Insurance for a… I have been using CIA Insurance for a number of years for Landlord Insurance. They are always knowledgeable, efficient and usually offer the best cover for the best prices. This year I was helped by Jordan, she was so quick at making the adjustments and requoting it made a dreaded process so much easier. Thanks Jordan Primary Reactive Ltd 19 April 2023

My query was very quickly dealt with My query was very quickly dealt with. Lauren was knowledgeable, efficient and gave very good customer service. I can't believe I managed to get insurance sorted in 20 mins. Excellent. Would recommend. Thank you. Joshua Giulianotti 31 March 2023

Highly recommended service I'm very impressed with CIA insurance for my let property. Everything is clearly explained, reminders come in good time, price increases are reasonable, and their call centre staff are a pleasure to deal with. An excellent experience overall. Highly recommended. Andrew Moore 31 March 2023

So easy and straightforward So easy to renew. It took less than 5 mins. You also contacted me regularly to remind me which I greatly appreciated. Peter Reilly 30 March 2023

Frequently Asked Questions Surrounding Landlord Insurance in England

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Advice Centre for Landlords in England

Insurance is one of the many things to consider when you're a landlord. Our experts share their tips on being a successful landlord, covering topics such as finance, legal issues and damaged property in our advice centre.