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Landlord Insurance

Protect your rental income, property, and legal liabilities with landlord insurance from Protect My Let. Designed to keep your investment secure.

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What is Landlord Insurance?

Landlord insurance is a policy designed to protect you and your rental property against damage or losses.

Unlike standard home insurance, landlord insurance covers you against risks you face when you let out a property. This might include loss of rent, liability, buildings and contents cover, protection from accidental damage and more.

What does Landlord Insurance cover?

From unexpected emergencies to tenant-related issues, here’s what’s typically included in our landlord insurance policies:

Home Emergency with boiler cover from £86

Quick help for boiler breakdowns and other urgent issues.

Accidental damage – included as standard

Landlord insurance with accidental damage – including ruined carpets and dents to walls.

Legal and tenancy eviction

Support for tenant evictions and up to £100,000 legal expenses cover for free* – for when things don’t go as planned.

Extended periods of unoccupancy

Includes up to 90 days of unoccupancy cover as standard – even during refurbishments or while waiting to let your property.

Malicious damage by tenants cover

Keeping you and your rental property safe from deliberate damage by your tenants.

Landlord buildings insurance

From the foundations to the roof, building insurance for landlords keeps your property’s structure protected from risks such as fire and floods.

Landlord contents insurance

Protects the furniture, appliances, and other contents you’ve provided within your rental property.

Property owner’s liability

Protects you against claims for injury or damage that happen on your rental property.

Loss of rent

Covers lost rental income and helps with mortgage payments for up to three years if your property becomes uninhabitable due to an insured event.

Alternative accommodation

Covers the costs of providing alternative accommodation for tenants if your property becomes uninhabitable, for up to three years.

*Please note this is available at no extra charge if you take out a policy with MS Amlin. We have a panel of 13 insurers all of which include legal expenses.

Give us a call

01206 655 899

Or, we can call you

request a call

Why choose Protect My Let?

TRUSTED SERVICE

Our specialist team has combined experience of over 50 years and we’re the exclusive landlord insurance provider for the LNPG.

We were also awarded the Feefo Gold Trusted Service award for 2022.

24/7 LEGAL ADVICE LINE

Going through the legal process can be very stressful, so our dedicated experts are always on hand to calm your concerns, whatever the hour.

WE’RE REAL PEOPLE, NOT ROBOTS

Our approach is personal. We’re all about direct conversations, down-to-earth advice, and straightforward solutions. You won’t be talking to a chatbot with us.

Landlord Insurance from Protect My Let: What you need to know

Protecting you – and your rental let

As a landlord, your rental property is always going to be a top priority. But what should you do if something goes wrong?

From a burst pipe to someone hurting themselves while they’re a tenant of yours or at your property, you need to be able to cover the costs of damage and accidents – and sometimes, these can be considerable. That’s where landlord insurance becomes the most powerful policy you’re likely to have.

Simply give us a call and chat to one of the PML let insurance specialists to explore your options.

Under the covers of Landlord insurance from PML

No landlord is the same as the next, and no two properties are exactly alike. Similarly, there’s no one-size-fits-all insurance policy for landlords.

That’s something our specialist team at Protect My Let really understand. We always take the time to get to know you and your requirements, so we can match the cover you actually need for both your property type and the tenants you let to.

However, as a starter for ten, these are some of the types of cover you can expect from us at PML:

Landlord buildings insurance – From the foundations to the roof, this keeps your buildings protected from risks such as fire and floods
Landlord contents insurance – protecting the contents provided by you that sit within your rental property, such as furniture and appliances
Loss of rent – covering your rent and helping you to keep up with mortgage payments in the event your property is unhabitable following an insured loss for up to three years
Alternative accommodation – covering the costs of providing alternative accommodation for tenants if your property becomes uninhabitable, for up to three years
Property owner’s liability – so you’re protected against claims for accidents or injuries that happen in your property
Accidental damage – Landlord insurance with accidental damage – including ruined carpets, dents to walls, all included as standard to protect your property
Malicious damage – keeping you and your rental property safe from deliberate damage by your tenants
Extended periods of unoccupancy – we offer up to 90 days as standard in the event your property stands empty for longer than anticipated

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Give us a call

01206 655 899

Or, we can call you

request a call

Our Landlord Insurance covers

Single-property landlord insurance

Comprehensive cover for your single rented property.

An older man in a suit sits on a green velvet couch, talking on a phone in a brick-walled room, with a coffee cup on the table.

Multi-property landlord insurance

Comprehensive cover for landlords investing in property portfolios.

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HMO insurance

One property with multiple tenants? Get a house of multiple tenants policy to cover it all under one roof.

A person lies on a couch, wearing headphones and using a tablet, with music notes illustrated around the head.

Professional let insurance

Professional let insurance for professional, working, or retired low-risk tenants.

A modern blue sofa with wooden legs against a light blue wall with three picture frames. A coffee table with books sits in front.

Serviced accommodation insurance

Cover for various types of serviced accommodation, including holiday lets.

Two people studying; one is sitting on a bed, and the other is reading a book with a graduation cap illustration above their head.

Student landlord insurance

Renting to students? Get bespoke student landlord insurance to protect your property from damage.

A woman in a striped shirt washes fruit at a kitchen sink next to a window, with a chalkboard on the wall.

Landlord insurance for DSS tenants

If you have or are considering DSS tenants, find out how PML’s DSS insurance for landlords can best protect you and your property.

Empty room with server and mirror illustration.

Unoccupied landlord insurance

The specialist cover needed to protect your rental property when it’s vacant.

Landlord home emergency cover

Floods, fire, damage – fixed! 24/7 landlord home emergency support when you choose this with a landlord insurance policy.

A row of similar two-story houses with white and brick exteriors under a clear blue sky with illustrated cloud icons.

Freeholder building insurance

Protect against the risks of owning the freehold to a building with freehold buildings insurance.

A row of modern townhouses with balconies under a blue sky with illustrated clouds and birds.

Block of flats insurance

Cover every apartment and flat you rent under one roof with insurance for blocks of flats.

Older man with a bald head and beard, wearing a denim shirt, talking on a smartphone with a serious expression. House icon overlayed.

Rent guarantee insurance

Provides financial and legal shelter if your tenant stops paying rent and from problems of possible eviction.

Modern building with sloped roofs featuring skylights and a triangular window; illustrated birds and clouds in the sky.

Non-standard landlord insurance

Specialist landlord cover for unique properties that need a more personalised policy.

Give us a call

01206 655 899

Or, we can call you

Chat to us about a quote

Frequently asked questions

Is landlord insurance compulsory?

Although not compulsory, landlord insurance is advisable. If you’re renting property, the cover available is extensive and comprehensive, whether you are letting one flat, a whole block, or a row of student houses.

Do I need landlord insurance and homeowners’ insurance?

No. As a landlord, if you get the correct landlord insurance cover, you shouldn’t also require homeowner’s insurance.

What type of landlord insurance do I need?

The very basic cover we recommend is buildings and contents cover, along with liability. But as no two properties are alike, your PML advisor can walk you through the most suitable and essential elements to supplement your landlord insurance.

Does landlord insurance cover contents?

Landlord insurance should cover the contents provided by the landlord. This can include fixtures, fittings and furniture. Although contents cover terms will vary between insurance providers.

Can I get landlord insurance for multiple properties?

Yes, you can. This is often one of two products called multi-property insurance or portfolio insurance. At Protect My Let we can work with you to define which framework is best for you and your lets.

How much does landlord insurance cost?

The cost of landlord insurance varies depending on your property and the type of tenants who you’re renting to. We advise that your main priority should be to secure a policy that’s built around your needs and the specifics of each of your rentals. That’s never going to be an off-the-shelf solution where you could end up paying for pointless extras while missing out on the essentials.

That’s why at PML we make sure your landlord insurance is exactly what you require. And because we’ve been in the business for so long and our specialist team have a wealth of experience and connections, we can access exclusive deals to get you comprehensive cover if that is what you are looking for.

So, to get a price, simply give us a call at PML and talk to one of our experts. Don’t worry, we’re not about the hard sell – in fact, we’re much more likely to go off-script to find you a better deal.

Get a landlord insurance quote online today.

Do I need landlord home emergency cover?

The question you should be asking yourself is: ‘What would I do if I had an emergency at one of my rental properties?’

And the answer is always easier to come by when you have a solution in place.

It’s easy to add on home emergency cover for only £86 when buying or renewing your landlord insurance. And it may make the difference between a small ceiling leak and a collapsed roof.

Here’s a snapshot of what our home emergency cover for landlords provides:

24/7 support – tenants can also make calls direct
No age restriction on boiler cover
No excess
And much more!

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Protect My Let is a trading name of Howden UK Brokers Limited, which is authorised and regulated by the Financial Conduct Authority No. 307663. Registered in England and Wales under company registration number 02831010. Registered Office: One Creechurch Place, London, EC3A 5AF. Calls may be monitored and recorded for quality assurance purposes.