A sunny street

Landlord Insurance

Our specialist landlord insurance gets you £50,000 loss of rent income as standard

You'll also get a 5% discount if you buy online too*

Get a landlord quote Your saved landlord quote

What's covered?

  • Protect your building against fire, storm, flood and subsidence up to £1m
  • Accidental damage, vandalism and theft by your tenants covered as standard*
  • 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

* Background checks on tenants will be required 

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

    Landlord Insurance Provider LV= Direct Line  Saga More Than Axa 
    Level of cover used for comparison Landlord insurance Landlord insurance Landlord insurance Residential insurance  Landlord insurance
    Buildings accidental damage Standard Optional Standard Standard Optional
    Loss of rent £50,000 Optional  20% of buildings sum insured Optional Optional
    Property owner's liability** £5 million £2 million £2 million £2 million £1 million
    Theft by tenants cover Standard Optional Standard Standard Standard
    Vandalism by tenants cover Standard Optional Standard Standard Standard
    Contents accidental damage Standard Optional Standard Standard Optional
    Legal Expenses Optional Optional Standard No cover No cover
     Rent Guarantee   No cover Optional  No cover No cover No cover
    *Data effective as of November 2022.
    **Direct Line: £2M default – option to increase up to £10M, Morethan: £2M default – can choose £5M

    Landlord insurance FAQs

    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 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

      Landlords: Quick Wins to Boost Your Annual Returns

      The better your property portfolio, the greater your yield. Here’s how to boost your income.

      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

      policy documents

      Now's a good time to grab a cuppa and take a read of the policy document.

      You can get this and other documents from us in Braille, large print or audio by contacting us

      Looking for something else? Perhaps these links can help