Landlord Insurance

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Compare our Landlord Insurance policy

The cheapest landlord insurance may not always offer the right cover. See how our landlord insurance compares...

Landlord Insurance Provider LV= Direct Line  Saga Axa 
Level of cover used for comparison Landlord insurance Landlord insurance Landlord insurance Landlord insurance
Buildings accidental damage Standard Optional Standard Optional
Loss of rent £50,000 Optional  20% of buildings sum insured Optional
Property owner's liability** £5 million £2 million £2 million £1 million
Theft by tenants cover Standard Optional Standard Standard
Vandalism by tenants cover Standard Optional Standard Standard
Contents accidental damage Standard Optional Standard Optional
Legal Expenses Optional Optional Standard No cover
 Rent Guarantee   No cover Optional  No cover No cover

Landlord insurance FAQs

More about LV= landlord insurance

What do I need to know about Landlord Insurance?

What is landlord insurance?

Landlord insurance protects landlords and their properties from things like loss of rental income, property damage and legal expenses. Specific landlord insurance is different to home insurance, and provides specialist cover for those renting out a property.

Do I need landlord insurance?

Although it's not a legal requirement, if you're a landlord and let a property to renters, you should have specific landlord insurance. This kind of cover protects you and your property in a way that standard home insurance doesn't.

What factors affect our landlord insurance quote prices?

Sometimes the cheapest landlord insurance isn’t the right home insurance. Lots of things can influence the price you pay, here’s what we look at:

There are seven main factors that affect the landlord insurance price we're able to give you:

  • The post code of your property. Typically, if your property is in an area which is prone to flooding, you may be more likely to make a claim
  • The type of tenancy you have. We'll take into account information relating to the type of tenancy you have. 
  • The type of building you own. The more rooms and bedrooms in your property, the higher the cost will be to re-build your home or replace your belongings
  • The costs of repair and labour. It’s getting more expensive to fix hi-tech items, which can increase the cost of landlord insurance.
  • Government initiatives. Changes introduced by the government can sometimes have an effect on your landlord insurance price. For example, the Flood Re scheme, introduced in 2016, is designed to help people living in flood-risk areas.
  • The number of claims being made. If the number goes up, due to things like extreme weather events, this could mean the costs to insure your property could go up.
  • Severe weather. We assess the likelihood of severe weather conditions happening in the future and how many of our customers may be affected.


To find out more about these factors, read our guide to how we work out the cost of landlord insurance.


Landlord insurance articles

Are you getting the most out of being a landlord?

Being a good landlord is more than replacing fixtures, booking repairs and collecting rent…

Could tenants be invalidating your landlord insurance?

Your tenants could invalidate your insurance, but who’s responsible for what?

Do I need specialist landlord insurance?

First time landlord? From specialist insurance to maintenance costs, here’s what you need to know

Letting to Tenants With Pets: Yes or No?

Allowing own pets in your rental property is a big decision, so what are the pros and cons?

The UK’s landlords are spending more than £600 million on maintaining properties that could be reimbursed through insurance

UK landlords are spending over £600 million in fees that could be reimbursed through insurance

We have a few home insurance options which may suit what you're looking for...

Buildings insurance

Only need buildings insurance? We've got it sorted. You can get a buildings only policy with us, and you can tailor it to suit you.

Contents insurance

Looking for contents only? No worries, we can cover just your contents, plus you can tailor your insurance with a range of optional extras.

Tenants insurance

Maybe you rent your home? We can help you there too. Our tenants insurance covers what's important to you.