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Landlord insurance: what do you need?

Landlord insurance covers a property you let out: the building, your contents in it, property owners’ liability and often loss of rent. A standard home policy usually does not cover a let property.

Ask Gaia about your situation · Call 020 8805 1555

Tenant type matters

Families, professionals, students and benefit tenants can be rated differently. Be accurate.

HMOs

Houses in multiple occupation need cover written for that use.

Malicious damage by tenants

Not always included as standard. Ask if you want it.

Empty periods

Many policies restrict cover after 30 to 60 days empty.

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RELATED COVER
Landlord InsuranceCover for rental properties, from the building to the income it earns.Rent Guarantee InsuranceHelps protect landlords if a tenant stops paying rent.Unoccupied Property InsuranceCover for empty homes and buildings, which standard policies often restrict.

More guides: Rent guarantee insurance explained · Insuring an empty or unoccupied property · Commercial property insurance guide

General guidance only. Cover depends on policy terms, conditions and exclusions.

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