Estimate your insurance.
Get a quick estimate of your landlord insurance premium based on property value, type, and the cover you need.
Estimated Annual Premium
per year (£10.00 — £17.00 per month)
Tax-deductible expense
Landlord insurance premiums are an allowable expense. At the estimated mid-point of £160, a basic-rate taxpayer would save £32 in tax, and a higher-rate taxpayer would save £64.
Understanding landlord insurance
What each type of cover typically includes
Buildings
- Structure, walls, and roof
- Permanent fixtures (kitchen, bathroom)
- Subsidence and storm damage
- Fire, flood, and escape of water
- Usually required by mortgage lenders
Contents
- Furniture and furnishings
- White goods and appliances
- Carpets and curtains
- Theft and malicious damage
- Relevant for furnished lets
Liability
- Injury to tenants or visitors
- Property defect claims
- Legal defence costs
- Compensation awards
- Strongly recommended for all landlords
Common questions
Landlord insurance usually includes buildings insurance (structure, roof, walls), contents insurance (if you let the property furnished), and property owners' liability cover. You can also add optional extras like rent guarantee insurance, legal expenses cover, and accidental damage.
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