Landlord Insurance

You will get a 5% discount if you buy online (excludes landlord legal expenses).

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What does Landlord insurance cover?

Protect your building against fire, storm, flood and subsidence up to £1m
Accidental damage, vandalism and theft by your tenants covered as standard. Background checks on tenants will be required
The property's damaged and can't be lived in? We'll cover the loss of rent or cost of alternative accommodation
Protect what's yours, like carpets, furniture and white goods with a choice of contents cover available (up to £10,000/£25,000/£50,000)
Your legal liability as a landlord covered up to £5m. Good to know!
We'll cover the cost of finding your leak and repairing any damage caused in gaining access to it (up to £5,000)
We'll pay up to £5,000 for electricity/gas/water if someone occupies your property without permission
Keys lost or stolen? It happens. We'll replace your locks so you're secure again in no time
Leasehold flat owner? We offer Contents Only cover if you’re not responsible for insuring the building

Why choose LV= Landlord insurance?

Customers buying online receive a 5% discount, excludes Landlord Legal Expenses. When more than one discount is relevant, each is applied individually.
12-month guarantee on repairs when you use our recommended repairer service
24-hour legal helpline to help you with any property disputes
10% discount on your landlord insurance if you already have car or home insurance with us

Standard home insurance doesn’t cover rental properties, so you need tailored buy to let insurance like our landlord insurance

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	Optional	Optional
Property owner's liability**	£5 million	£2 million	£2 million	£1 - £10 million
Theft by tenants cover	Standard	Optional	Optional	Standard
Vandalism by tenants cover	Standard	Optional	Optional	Standard
Contents accidental damage	Standard	Optional	Optional	Optional
Legal Expenses	Optional	Optional	Optional	No cover
Rent Guarantee	No cover	Optional	Optional	No cover

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	Optional	Optional
Property owner's liability**	£5 million	£2 million	£2 million	£1 - £10 million
Theft by tenants cover	Standard	Optional	Optional	Standard
Vandalism by tenants cover	Standard	Optional	Optional	Standard
Contents accidental damage	Standard	Optional	Optional	Optional
Legal Expenses	Optional	Optional	Optional	No cover
Rent Guarantee	No cover	Optional	Optional	No cover

Landlord insurance FAQs

Can LV= landlord insurance cover me?

We can’t insure you if:

The property is not solely used for residential purposes
The property is let as a holiday home or bed & breakfast
You need to insure the property in the name of a business e.g. a limited company or partnership
You wish to insure multiple properties under a single policy
You or anyone to be insured has any unspent criminal convictions
You or anyone to be insured has made more than 2 claims relating to landlord insurance in the last 5 years
The property has previously been flooded or is currently under an Environment Agency Flood Warning
The property has suffered from, or is showing any signs of, subsidence, landslip or heave
The property isn't built of brick, stone or concrete and roofed with slate, tiles, metal, asphalt or concrete
The property isn't in a good state of repair or is undergoing renovation, structural repairs or alteration
The property will be unoccupied for more than 45 days in a row
The property is allowed to be sub-let
The property has more than 5 bedrooms or more than 4 bathrooms
The property is made up of bed-sits (room only accommodation where the tenants share kitchen or bathroom facilities)
The property is made up of multiple flats where you need insurance for the entire building
You let the property to more than 3 individuals (unless they are members of the same family)
You let the property for periods of less than 6 months (unless the property is in Scotland)
You don’t have a formal tenancy agreement in place that is directly between you and your tenant
You reside overseas
The property is outside the UK

What is property owner's liability?

Does LV= landlord insurance cover wear and tear?

Is accidental damage covered by landlord insurance?

More about LV= landlord insurance

What's not covered?

Landlord insurance optional extras

Pick and choose from our handy optional extras

Legal expenses cover

For £30 or less By adding this cover to your landlord insurance policy, you can rest assured that you're covered up to £100,000 for legal expenses with no excess to pay to help you, including tenant disputes. Find out more about our landlord legal expenses cover.

Landlord home emergency cover

For £50 or less
This additional cover means that we’ll organise and pay for an approved tradesman to provide emergency assistance and repairs costing up to £1,000 per emergency with no excess - from heating to roofing and even pest infestation. Find out more about our landlord home emergency cover.

Policy documents

Landlord insurance policy documents

You can get this and other documents from us in braille, large print or audio by sending us an email

Landlord insurance terms and conditions (PDF, 385KB)
Landlord insurance product information document (PDF, 134KB)
Landlord legal expenses (PDF, 136KB)
Landlord home emergency leaflet (PDF, 169KB)
Landlord insurance limits and cover (PDF, 300KB)
How we use your personal information

What do I need to know about 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.

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

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?

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.