Residential Landlord Insurance Quotes & Cover

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Tailored residential landlord and buy-to-let insurance with Premierline

As a landlord, protecting your tenants, investment property and its income stream is of utmost importance. At Premierline, we understand the unique risks you face and offer tailored insurance solutions to safeguard your property and rental income.

You need residential landlord insurance that is flexible enough to incorporate all the covers you need and offer comprehensive protection in case something goes wrong.

We understand the complex nature of landlord insurance and can arrange tailored cover to meet your individual needs. With our broker service, you can compare prices from well-known insurers to find residential landlord insurance that meets your unique requirements.

Protect your property investment online in just a few minutes if you know your requirements, or for expert advice from our insurance advisors why not call us? Our experts can give you specific advice on residential property insurance and make recommendations based on your individual needs. We offer a solution for all your landlord insurance requirements, whether you own a single buy-to-let or multiple blocks of flats.

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Residential landlord insurance cover in detail

What is residential landlord insurance?

Landlord insurance is a type of insurance package specifically designed to protect property owners who rent out their properties. It provides coverage for risks that are unique to landlords, such as property damage, liability claims, loss of rental income, and legal expenses. Landlord insurance helps safeguard the landlord's investment property and provides financial protection against various potential risks and liabilities associated with renting out a property.

If you’re a landlord and rent out a residential property or you may even have a portfolio of buy-to-let properties, it’s essential to have the right insurance in place to protect your investment.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:

Property owners liability cover

Property owners’ liability insurance provides financial protection for landlords who own property. The covers protects against large compensation claims if someone is injured at your premises as a result of your negligence.

Property owners have a legal responsibility to ensure the safety of individuals who visit or use their property. However, accidents can happen, and if someone is injured or their property is damaged while on the property owner's premises, they may hold the property owner liable.

Accidents happen when you least expect, and this cover can protect you against accidental damage to third-party property too. For instance, if a roof tile fell and landed on a car below, you could be liable to cover the costs. Taking out property owners’ liability cover as part of your commercial landlord insurance policy can cover your liability if something goes wrong.

Employers' liability insurance

Employers' liability cover should also be considered if you employ anyone to maintain the residential property such as property maintenance employees, gardeners or admin assistants. Employers' liability insurance is legally required for businesses that employ people

The insurance covers full-time, part-time, and temporary employees working on the landlord's commercial property. However, it typically excludes independent contractors or subcontractors who work on a self-employed basis.

Employers' liability cover provides financial protection against legal claims made by employees for work-related injuries or illnesses. It helps cover the costs of legal defence, settlements, or judgments that the landlord may be liable for.

Property covers

Property insurance for residential or buy-to-let landlords typically includes two main types of coverage: buildings insurance and contents insurance.

Buildings insurance protects the physical structure of the property, including the walls, roof, floors, and permanent fixtures. It provides coverage for risks such as fire, flood, vandalism, and other structural damages.

Contents insurance, on the other hand, covers the landlord's belongings or furnishings within the property, such as furniture, appliances, carpets, and curtains. This coverage ensures that these items are protected against risks like theft, accidental damage, or loss.

By combining buildings insurance and contents insurance, residential or buy-to-let landlords can safeguard their property and its contents from a range of potential hazards, giving them peace of mind and financial protection. Whether you’re looking to protect the structure of your building or have property inside that need covering, your residential landlord insurance policy can be tailored to your requirements.

Commercial legal protection

Commercial legal protection for residential landlords refers to insurance cover designed to provide financial support for legal costs and expenses associated with legal disputes or issues that residential landlords may encounter in the course of their property ownership or management. Many legal protection policies typically include:

Legal expense cover, dispute resolution services, legal helplines and expert support, as well as risk mitigation guidance.

Loss of rent cover

Loss of rent insurance provides landlords with financial protection and stability.

Loss of rent cover is an important part of your residential landlord insurance that can protect your income in the event of damage to your residential property or buy-to-let which may result from an insured event.

For example, if you suffer a fire or flood that renders the building uninhabitable or unusable, loss of rent cover can continue to pay you rental income while the building is reinstated meaning you shouldn’t be out of pocket. Loss of rent cover can also provide protection against additional costs of arranging alternative accommodation on your tenants' behalf.

Residential landlord insurance FAQs

Do I need 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.

What covers do residential landlords need?

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

How much does residential landlord insurance cost?

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.

Why choose Premierline to arrange residential landlord insurance?

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.

What type of residential landlords do Premierline work with?

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.

What will I need to know to complete my insurance quotation?

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.

How soon will I get my policy documents?

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.

How do I pay for my policy?

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.

Why choose Premierline?

We're Landlord Insurance Experts

We understand the nature of owning residential or commercial property leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your landlord insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

Award winning service - We're trusted by thousands of property owners across the UK
Comprehensive protection - We can help with all your commercial insurance needs
UK based experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

"Our block of flats insurance policy from another broker had increased too much and they couldn’t get a better price. I found Premierline through an internet search and Dan was there to help straight away. After a few days he had sourced a considerably more competitive and acceptable product with much better terms. I really felt Premierline wanted our business."

Block of Flats Property Owner

Customer since January 2024

Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.

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