Landlord Insurance Scotland

CIA Landlords provides comprehensive and affordable landlord insurance in Scotland. We always ensure our customers receive the most suitable product tailored to their needs to give them peace of mind that their property is in order if anything goes wrong.

Our experienced and knowledgeable staff compare quotes across nine leading insurers within the UK to make sure you are getting the best landlord insurance in Scotland, for your rental property in Edinburgh or Glasgow.

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Get a quote for landlord insurance in Scotland in just minutes
Compared to nine leading insurers
Price guarantee on all landlord insurance in Scotland

Why CIA Landlord Insurance Scotland?

Guaranteed lowest landlord insurance prices in Scotland

20+ years insuring landlords in Scotland

Personalised service

What is landlord insurance in Scotland?

Landlord insurance in Scotland is a policy that financially protects Scottish landlords 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 Scottish 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 Scotland.

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 Scotland?

Being a landlord in Scotland comes with a range of responsibilities. First of all, landlords must register with the local council which covers the area where your property is located. This is to ensure they are trustworthy and reliable when renting out their property.

When it comes to tenant responsibilities, landlords are expected to register their tenant's deposits with an approved tenancy deposit scheme to protect their deposits. You must also ensure that you provide your tenants with your name and address and an energy performance certificate for the property.

It is also the responsibility of the landlord to abide by the Repairing Standard Scotland by ensuring the property is well-maintained and safe for tenants. CIA Landlords can protect your investment property against any unexpected events with our comprehensive landlord insurance in Scotland, giving you peace of mind.

What does landlord insurance in Scotland 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

Do I need landlord insurance in Scotland?

While it's not legally required to have landlord insurance in Scotland, many mortgage lenders in Scotland may require it as a condition of the loan. A conventional home insurance policy does not offer the appropriate cover for a buy-to-let property. Whether you rent out the property short or long-term, landlord home insurance is strongly recommended to protect your investment.

Get a landlord insurance quote today and ensure you have the appropriate cover needed before your tenants move in.

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Our Expert says...

"Our team of experienced Scottish landlord insurance experts can help you find the right coverage to give you peace of mind and protect your investment. We will guide you through the process, and you can rest assured that your property and tenants are well protected."

Richard Wayman - Finance General Manager

What does landlord insurance in Scotland 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 Scotland.

What our customers are saying about our landlord insurance in Scotland 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 Scotland

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Advice Centre for Landlords in Scotland

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.