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Landlord insurance
Protect your building and its contents
A safety net for loss of rent
Protect yourself from tenant claims for injury and property damage
Helping businesses with insurance for over 70 years
Finding the correct cover
Get an online quote in 10 minutes, our experts are here to understand the finer detail.
In-house claims team
There to guide you through the unfortunate event of a claim.
Variety of cover
More than 100 insurers are included in our panel, allowing us to find the correct cover for all of your needs.
Award-winning
Proven broker, we won silver in the Insurance Times award for Commercial Lines Broker Of The Year, 2022
Just a few of the many insurers we use to find competitive cover
We work with a range of providers from household names to small specialist insurers to find the best policy for your business.
What is landlord insurance?
As a landlord, protecting your property investment is essential. Landlord insurance is a specialised policy that safeguards against risks unique to renting out properties. Unlike standard home insurance, it covers the specific risks associated with renting – including property damage, loss of rental income, and legal liabilities.
This type of insurance typically includes buildings insurance, liability insurance, and for furnished properties, contents insurance. With the right coverage selected, landlords’ insurance means property owners are financially protected against the unique challenges and risks of managing rental properties.
What does landlord insurance cover?
Buildings insurance
Covers the structure of the property – including the roof, walls, and fixtures – against damage from events like fire, storms, floods, and vandalism. You’re protected from costly repairs.
Contents insurance
Protects your furnishings, appliances, and other items supplied to tenants in a furnished rental property. If any contents suffer theft or damage, this insurance prevents significant financial loss.
Loss of rent insurance
Has your property become uninhabitable due to an insured event like a fire or flood? This insurance compensates you for lost rental income during that time.
Legal expenses insurance
Covers the costs of legal disputes related to the rental property. These disputes can include eviction processes, disputes with tenants, and issues with property damage.
The importance of landlord insurance
It’s true: specialist landlord insurance may not be a legal requirement. However, it is highly recommended you take out this policy to avoid the numerous risks associated with renting out property. These points highlight why:
- Financial protection: Landlord insurance offers essential financial protection against various risks like property damage and loss of rent. Without insurance, you’d need to cover these costs out of pocket.
- Legal compliance: In some cases, landlord insurance may be required by mortgage lenders as a condition for financing rental properties. Additionally, appropriate liability coverage meets legal responsibilities for tenant safety.
- Tenant confidence: Tenants are more likely to feel secure renting from a landlord who has comprehensive insurance in place. The result: better tenant relationships and longer tenancies.
- Peace of mind: With landlord insurance, you can have peace of mind knowing your property is protected against the unexpected. There’s no need to constantly worry about potential financial pitfalls.
- Coverage customisation: Landlord insurance policies can be customised to meet the specific needs of different rental property types, whether residential or commercial. Avoid unnecessary costs – get the exact protection needed.
Choosing the right landlord insurance
Picking the right landlord insurance is essential for protecting your investment. That’s where Radius makes the process a straightforward, cost-effective one. With access to a panel of 120 insurers, we ensure you receive tailored insurance landlord quotes and coverage to match your exact needs.
Our team of specialists, in possession of over 70 years of experience, conducts a thorough assessment of your requirements and works closely with insurers to secure the best protection. With Radius and our personalised, comprehensive insurance solutions, you can manage your properties with confidence.
Frequently asked questions
Can’t find an answer to your question? Talk to the Radius customer support team on 0333 070 5876. We’re here to help you with any questions or concerns you may have.
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Our team has over 36 years of experience helping more than 470,000 customers globally
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Need help? The customer support team at Radius operates across more than 50 offices worldwide, providing local contact with a global presence. Let us know how we can assist you.
Radius Business Solutions (UK), a trading name of UK Fuels Limited, Radius Insurance Solutions Limited and Milestone Insurance Consultants Limited are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions Limited is a registered company (number 3668469 and FCA reference number 300425). Radius Insurance Solutions is a trading style of Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.