Residential landlord insurance

Yes, as a residential landlord, it is highly recommended to have residential landlord insurance. Residential landlord insurance provides crucial protection for your investment property, covering risks such as property damage, liability claims, loss of rental income, and legal expenses. It helps mitigate potential financial losses and provides peace of mind, ensuring that you are adequately covered in the event of unforeseen circumstances or accidents that may occur on your property.

At Premierline, we can arrange flexible residential landlord insurance policies that can be as simple or complex as you need depending on your properties. When deciding what insurance you need to protect your business, you should consider the following:

• Property owners liability – protects landlords against legal liabilities for accidents or injuries that occur on their rental property.Employers’ liability – protects employers against legal liabilities for injuries or illnesses sustained by their employees while carrying out their work duties.
• Buildings cover – to cover for loss or damage to the buildings you let.
• Contents and stock – to reinstate your items and belongings within your property.
• Business legal expenses – to cover the cost of legal expenses or defend your business against legal action.
• Loss of rent – compensates landlords for the rental income they would have earned if their property becomes temporarily uninhabitable due to an insured event.

More information

The cost of residential landlord insurance can vary significantly depending on various factors, including the location, size, type of property, the value of the property, chosen cover limits, chosen excess, and the specific risks associated with the property. Other factors that can influence the cost include the landlord’s claims history, the presence of safety features or risk management measures on the property, and the insurer’s underwriting criteria.

Get a personalised quote online or contact one of our business insurance brokers to find out how much your residential landlord insurance might cost to protect your business from unforeseen circumstances.

We understand that your property or portfolio is an investment for your future and each landlord requires insurance that is tailored to their own individual requirements.

Our residential landlord insurance is designed with landlords like you in mind – from city flats through to country houses – we’ve got it covered. We can arrange cover for your building and contents, as well as property owner’s liability and commercial legal expenses. We can also arrange a number of additional covers. Loss of rent covers you if your premises cannot be habited due to an insured event such as fire, flood, or storm damage.

So if you’re a residential landlord that has single or multiple buy-to-let properties we can arrange a buy-to-let buildings insurance policy that provides the comprehensive cover you need for your business. If you need advice on what insurance you need simply speak to one of our advisors for more information or if you don’t require any advice from us and know the covers you need get a quote online.

As a business insurance broker, we can source insurance for a range of different property owners and buy to let landlords, including:

Blocks of flats, commercial properties and units, residential lettings such as buy to let and student accommodation such as houses in multiple occupation.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.