Landlord Insurance
Landlord insurance could be cheaper than you think. Prices from just £149.10% of new customers paid £149 or less for their buildings cover Mar '23 - Aug ‘23.
Your saved landlord quoteWhat 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
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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 | 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 |
Landlord insurance FAQs
More about LV= landlord insurance
What do I need to know about Landlord Insurance?
What is landlord insurance?
Do I need landlord insurance?
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.
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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.