Protecting your property and investment
Let Admiral worry about your rental property and contents - cover for residential lettings from the home insurance experts.
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- Sat:09:00 – 17:00
- Sun:10:00 – 17:00
Bank Holidays Subject to change, closed Christmas Day, Boxing Day & New Year'sDay
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Insurance that puts landlords first
Up to £2 million property owner’s liability
Protect yourself when claims are made against you
Unlimited buildings sum insured
Cover for the total cost of rebuilding your property
*Doesn't apply to Contents Insurance
Alternative accommodation cover
Up to £100k if your property's damaged and uninhabitable
What is Landlord Insurance?
Landlord insurance is home insurance designed for rental properties. You can insure the building and contents together or separately depending on the type of property you have and your situation.
Landlord insurance covers other risks associated with renting out a home including loss of rent and unoccupancy.
For example, optional add-ons like landlord legal protection can give you legal support, while landlord emergency cover protects your property against unexpected incidents like plumbing issues and boiler total breakdown.
Do I need landlord insurance?
Landlord insurance isn't a legal requirement, but most buy-to-let mortgages require you to have specialist cover in place.
Standard home insurance won't cover you for everything required for a buy-to-let property. Your policy may also be invalidated if you rent your home out.
Buildings, contents and combined, three cover types to choose from
Contents insurance covers your household goods such as sofas, beds and kitchen appliances. Buildings insurance covers the actual structure and its permanent fixtures and fittings. Combined insurance means you have buildings and contents cover.
Buildings Insurance
Buildings Insurance cover available on each tier as standard.
Admiral | Admiral | Admiral | |
|---|---|---|---|
Buildings sum insured | Unlimited | Unlimited | Unlimited |
Property owner's liability | £1m | £2m | £2m |
Employer's liability | £5m | ||
Alternative accommodation & loss of rent | £30k | £75k | £100k |
Replacement locks & keys | £500 | £750 | £1k |
Emergency access | £500 | £1k | £2.5k |
Loss of metered water/oil | £500 | £1k | £2.5k |
Sale of property | |||
Unauthorised use of gas/electric/water | £1k | £2.5k | |
Trace and access | £5k | £10k | |
Unoccupancy | 30 Days | 60 Days | 90 Days |
Compare Optional Extras
What's not covered?
Typically, most landlord insurance policies won't cover:
Buildings:
- Accidental/Malicious Damage
- Storm
Contents:
- Tenant belongings
- Loss or damage caused by chewing, scratching, tearing, or fouling by domestic pets
- Replacing items due to wear and tear
However, always refer to your policy document to find what is and isn't covered.
- Guide to your Landlord Insurance Cover
What you need to get a landlord insurance quote
To get a quote, you'll need the following information:
1. Landlord details
- Name
- Contact information
- Address
- Job title
2. Property details
- Wall and roof type
- Garages
- Flood history
- Signs of subsidence
3. Rental details
- Number of rental properties you own
- Tenant reference checks
- Rental income
4. Claims
- Claims
- Losses made at the property in the last five years
Award-winning cover
Awarded Commended Home Insurance Provider2023
Platinum cover awarded Moneyfacts’ highest five starrating
What affects landlord insurance prices?
A few factors can impact your insurance quote, some of which may be out of your control.
- Your postcode— Location is important. Factors like crime rates, proximity to water and subsidence all factor into the property's risk.
- Your tenancy— You and your property are what we care about the most. However, the type of tenancy you have in place can also impact your insurance.
- The climate— Weather plays a big part in landlord insurance quotes. For example, if you're in an area near the sea that's prone to flooding or very high winds, this can increase your landlord insurance price.
- Tax rules— Government tax rules can have an impact on landlord insurance quotes. Sometimes, the government will raise or lower Insurance Premium Tax (IPT), which will reflect in your quote. Read more about IPT.
- Repair costs and frequency— If repairs become more frequent and expensive in your area, this can impact your insurance price. However, if repairs fall in price or deflate, you could get a lower insurance premium.
- Your building— The type of building you have can impact your premium; a semi-detached may be more expensive to insure than a flat, for example.
Our landlord insurance policies are available on all residential property types, including:
- Detached
- Semi-detached
- Terraced
- Flats and maisonettes
- Freehold and leasehold
Read more about different house types.
Save money with MultiCover Insurance
Bundle up to five buy-to-let properties, your home and cars together on one policy to get a MultiCover deal. Everything renews on the same date for zero hassle.
How to get cheaper landlord insurance
There are a few ways to cut down your landlord insurance price.
Combine landlord policies | Insuring all your properties with one provider may save you money, especially if they offer MultiCover discounts like us. | |
|---|---|---|
Take security seriously | A more secure property means it's lower risk which reduces your premium. Locks, alarms and good windows are all excellent ways to illustrate that you take security seriously. | |
Pick the best tenants | Some tenants have more risks than others. Make sure you reference tenants properly, too. We have a guide on the importance of referencing tenants | |
Reduce vacancy time | We have some vacant house cover levels, but generally, an empty house means a greater chance of break-in and other issues. | |
Get the right cover level | Avoid covering things you don't need. For example, if you rent unfurnished then you're unlikely to need contents cover. | |
Calculate your rebuild value | A rebuild value is an estimate of how much your home would cost to rebuild from scratch. The more accurate this is, the more accurate your insurance premium will be. Learn how to calculate your home's rebuild costs |
Your questions answered
Do I need contents insurance as a landlord?
You can cover some contents with a combined or contents-only landlord insurance policy. As with all insurance policies, please check your policy book for exclusions.
Do I need buildings insurance when purchasing a buy-to-let?
It's a landlord's responsibility to insure the building, not the tenant's so to make sure you're covered you will need to arrange buildings cover.
Does landlord insurance cover boiler replacement?
Boiler replacements aren't covered by Landlord Emergency Cover but we'll cover a temporary repair if your boiler completely fails.
What is tenant referencing, and do I need it?
Tenant referencing is a legal requirement that verifies if a potential tenant is right for you and your property. At a minimum, it involves a credit check. If you don't fill out the referencing correctly, any claim may be affected.
We have a guide on tenant referencing for landlords to answer your questions.
Read more about landlord insurance
Your guide to landlord jargon
Read more
Who's responsible for what in a rental property?
Read more
Tenant referencing for landlords
Read more
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Compare optional extras
Admiral | Admiral | Admiral | |
|---|---|---|---|
Tenant damage to glass and sanitary fixtures | Optional | ||
Full tenant damage to buildings | Optional | Optional | |
Theft or attempted theft by the tenant | Optional | Optional | |
Landlord Legal Protection | Optional | ||
Landlord Emergency Cover | Optional | Optional |
Optional extras
Tenant damage to buildings
Add cover for accidental or malicious damage and vandalism caused by your tenants
Landlord Emergency cover
Get up to £500 per claim for temporary repairs and a 24/7 emergency helpline
Tenant theft
Loss or damage cover to your property caused by theft or attempted theft by your tenant
Landlord Legal Protection
Up to £100k help with legal fees and access to a free 24/7 legal helpline
Find more information about the optional extras and any waiting times in our policy books.
Back
Compare optional extras
Admiral | Admiral | Admiral | |
|---|---|---|---|
Tenant damage to glass and sanitary ware | Optional | ||
Tenant damage to audiovisual equipment | Optional | ||
Full tenant damage to contents | Optional | Optional | |
Theft or attempted theft by the tenant | Optional | Optional | |
Landlord Legal Protection | Optional | ||
Landlord Emergency Cover | Optional | Optional |
Optional extras
Landlord Emergency cover
Get up to £500 per claim for temporary repairs and a 24/7 emergency helpline
Tenant theft
Loss or damage cover to your property caused by theft or attempted theft by your tenant
Landlord Legal Protection
Up to £100k help with legal fees and access to a free 24/7 legal helpline
Find more information about the optional extras and any waiting times in our policy books.
Back
Compare optional extras
Admiral | Admiral | Admiral | |
|---|---|---|---|
Tenant damage to glass and sanitary fixtures | Optional | ||
Full tenant damage to buildings | Optional | Optional | |
Theft or attempted theft by the tenant | Optional | Optional | |
Landlord Legal Protection | Optional | ||
Landlord Emergency Cover | Optional | Optional |
Optional extras
Tenant damage to buildings
Add cover for accidental or malicious damage and vandalism caused by your tenants
Landlord Emergency cover
Get up to £500 per claim for temporary repairs and a 24/7 emergency helpline
Tenant theft
Loss or damage cover to your property caused by theft or attempted theft by your tenant
Landlord Legal Protection
Up to £100k help with legal fees and access to a free 24/7 legal helpline
Find more information about the optional extras and any waiting times in our policy books.
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