landlord insurance
With our landlord insurance, you can rest easy
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
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 | Optional |
| 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 | Optional |
| Rent Guarantee | No cover | Optional | Optional | No cover |
More about LV= landlord insurance
What's not covered?
- Gradual wear and tear
- Breakdown of household appliances
- Fences damaged by storm
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, 310KB)
Landlord insurance product information document (PDF, 307KB)
Landlord legal expenses (PDF, 317KB)
Landlord home emergency leaflet (PDF, 333KB)
Landlord insurance limits and cover (PDF, 237KB)
How we use your personal information
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.