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Our Price Promise for Landlords
At RightSure For Business, we understand that managing rental properties comes with its own challenges. From finding reliable tenants to protecting your investment during void periods, there’s a lot to consider, and having the right insurance in place is essential.
Our specialist Landlord Insurance protects your property and income against risks like fire, flood, theft, accidental damage, and loss of rent. Whether you own a single property or multiple rentals, we’ll help you find cover for your property and budget.
If you find a cheaper quote for an equivalent policy within two days of purchase and can provide written proof, you may cancel with us and receive a full refund, provided no claims have been made.
That’s our promise: competitive cover, guaranteed peace of mind.
What is Landlord Insurance?
Landlord insurance offers financial protection to property owners renting to tenants. There are three main types of insurance available:
Buildings Insurance – this covers your bricks and mortar. It covers damage to the structure of your property as well as the rebuild cost if it is damaged beyond repair.
Landlord Contents Insurance – The cost of repairing or replacing the furniture, fixtures, and fittings you provide in your rental property is covered by landlord’s contents insurance. The level of cover will depend on if you’re letting your property as furnished
Liability Insurance – provides protection to landlords if you, your tenant or guests become injured in your property.
There are a number of other add-ons which maybe useful to have. Want to discuss further? Call our award winning Landlord Insurance Specialists on 0800 515 381.
Landlord Insurance for Every Type of Property
Whether you manage a single buy-to-let or a portfolio of rental properties, we can help you find the right insurance for your needs. Our specialist panel of UK insurers ensures your properties are properly protected, at a competitive price.
We can also help if your property is:
- Unoccupied or under renovation
- Part of a mixed commercial and residential building
- A holiday home, student property, or second property
Explore our related products:
Residential Landlord Insurance, Unoccupied Property Insurance, Buy-to-Let Insurance, Renovation Insurance, Commercial Property Insurance, Landlord Liability Insurance, Property Liability Insurance, and Student Landlord Insurance
How can we help?
Can I Afford Not to Have Landlord Insurance?
Landlord insurance protects you, your property, and your tenants from unexpected accidents, injuries, or damage. Standard home insurance policies usually won’t cover rental properties, as letting is considered a commercial activity with its own unique risks.
While it’s not a legal requirement, going without landlord insurance could leave you facing significant financial losses in the event of fire, flood, theft, or liability claims.
With the right cover, you can safeguard your investment and enjoy peace of mind knowing your property is protected.
Different types of Landlord Insurance?
Protect your property portfolio with cover from our panel of trusted UK insurers.
When choosing a policy, you may want to consider features such as:
- Legal Expenses – Support with disputes, eviction processes, or tenant-related legal issues.
- Accidental Damage – Cover for unexpected damage to your property or contents.
- Alternative Accommodation – Assistance with temporary housing costs if your property becomes uninhabitable.
- Emergency Cover – Quick support for urgent repairs, helping to limit further damage.
With the right combination of cover, you can protect your investment and manage your rental properties with confidence.
Found it cheaper elsewhere?
Our price promise means that if you find a cheaper quote for an equivalent policy (providing written proof within two days of purchase), you may cancel and receive a full refund subject to no claims being made.
Frequently Asked Questions
Landlord Insurance is a specialist policy designed to protect property owners who rent out their properties to tenants.
It covers risks that standard home insurance does not , because the moment you let a property, your risk profile changes.
You’re no longer just a homeowner; you’re a landlord with legal responsibilities to tenants, financial exposure to damage and loss of rent, and potential liability if someone is injured on your property.
Standard home insurance policies often become invalid once a property is let, making landlord cover essential rather than optional.
Landlord Insurance is not a legal requirement in the UK. However, if your property is mortgaged, most buy-to-let lenders will require buildings insurance as a condition of the loan.
Beyond the mortgage requirement, the financial risks of going uninsured are significant: fire, flood, tenant damage, or a liability claim could cost tens of thousands of pounds.
Once you factor in your legal responsibilities to tenants and the value of your investment, insurance becomes less a formality and more a necessity.
The key difference is who occupies the property. Standard home insurance is designed for owner-occupiers and assumes you live in the property.
The moment tenants move in, standard home policies often become invalid, and any claim you make could be rejected.
Landlord Insurance is designed specifically for rented properties, covering the different risks that come with having someone else living in your home.
If you let a property and it’s covered only by standard home insurance, you may have no protection at all when you need it most.
A comprehensive landlord policy typically includes buildings insurance (covering the structure against fire, flood, storm, and escape of water), landlord contents insurance (covering furniture, fixtures and fittings you provide), and property owners’ liability cover (protecting you if a tenant, visitor, or tradesperson is injured on the property).
Optional add-ons worth considering include loss of rent cover, legal expenses, accidental damage, alternative accommodation, and emergency cover for urgent repairs.
The right combination depends on your property, your tenants, and your financial priorities.
Yes. If you own a portfolio of rental properties, it’s possible to insure all of them under a single policy with one renewal date, which significantly reduces administration and can also reduce overall premiums compared to individual policies for each property.
RightSure For Business works with specialist UK insurers who have experience insuring property portfolios of all sizes, from two or three buy-to-lets to larger portfolios.
Whether your properties are residential, mixed-use, or include HMOs, we can help you arrange appropriate cover across your entire portfolio.
If your property is going to be empty for more than 30 days, between tenants, during renovation, or for any other reason, you should notify your insurer.
Most standard landlord policies include conditions that apply once a property is unoccupied for a specified period, and some types of cover (such as theft or malicious damage) may be restricted or excluded.
RightSure For Business can arrange specialist unoccupied property cover to bridge the gap and ensure your property remains fully protected during any void period.
Landlord insurance premiums vary widely depending on factors including the property’s location, size, rebuild value, tenant type, and the level of cover chosen.
The most reliable way to find competitive cover is to compare quotes from specialist landlord insurers.
RightSure For Business searches a trusted panel of UK insurers on your behalf, backed by our Price Promise.
The Renters’ Rights Act 2025 introduces significant changes for UK landlords, including the abolition of Section 21 ‘no-fault’ evictions, stronger tenant protections, and increased landlord accountability.
From an insurance perspective, these changes increase the importance of having robust legal expenses cover, to support with any disputes or eviction proceedings under the new legislation, as well as comprehensive liability cover given the enhanced rights tenants now hold.
If your policy was arranged before these changes came into force, it’s worth reviewing your cover with a specialist to ensure you’re adequately protected under the new regulatory environment.
With the abolition of Section 21 from 1 May 2026, landlords who need to regain possession of their property must now rely entirely on Section 8 grounds, which requires going through the courts and demonstrating a valid legal reason.
This process is more complex, more time-consuming, and more expensive than a Section 21 notice.
Legal Expenses Insurance covers the cost of legal advice, court fees, and representation in disputes with tenants which includes possession proceedings, rent arrears recovery, and tenancy disputes.
Given the scale of the legislative changes, landlords who don’t currently have legal expenses cover should consider adding it to their policy before May 2026.
