Landlord guide
Landlord Insurance UK 2026: What You Need & What It Costs
Reviewed by a qualified UK housing solicitor • Updated: May 2026
Sources: GOV.UK, Shelter England, NRLA, Citizens Advice
Reading time: ~9 min
Standard home insurance is usually invalidated the moment a property is let. Specialist landlord insurance combines buildings, contents (limited), public liability and optional rent guarantee and legal expenses cover.
Why Standard Home Insurance Doesn't Cover Rental Properties
Standard policies exclude commercial use, void periods and tenant-caused damage. A claim made on a misrepresented policy is likely to be refused.
Types of Landlord Insurance
- Buildings insurance — mandatory if mortgaged. Covers structure, fixed installations.
- Contents insurance — for items the landlord owns (white goods, furnishings in furnished lets).
- Public liability insurance — typically £2m–£5m, covers injury or property damage claims.
- Rent guarantee insurance — pays rent if a referenced tenant defaults.
- Legal expenses insurance — covers solicitor and court costs of eviction.
Rent Guarantee Insurance — Is It Worth It?
Generally £150–£300/year. Requires the tenant to pass referencing and earn typically 30× monthly rent annually. Pays out after a missed payment, usually for up to 12 months plus legal expenses.
How Much Does Landlord Insurance Cost?
Buildings only: £200–£400/year. Combined (buildings + contents + liability): £350–£700/year. Premiums vary by location, property value, age, tenant type and excess.
What's Not Covered
Accidental damage by tenant is normally an add-on. Gradual deterioration, wear and tear, and unoccupied periods over 30–45 days typically require notification.
The Legal Expenses Add-On
Increasingly essential post-Renters' Rights Act because every eviction is now contested-able. Typical limit £50,000–£100,000.
Frequently asked questions
Is landlord insurance a legal requirement?+
Buildings cover is usually required by your mortgage lender, not by law. Other cover is optional but strongly recommended.