Landlord Insurance

Landlords Insurance for single properties to property portfolios

Landlord Insurance - Row of residential houses

As a professional landlord, you may let an individual house, a block of flats, or own a property portfolio of residential or commercial premises. Whatever the size, it is crucial that you protect your business against financial loss with a bespoke landlords property insurance policy.

There are many risks associated with renting property out to tenants, as any building can be susceptible to damage from natural causes such as storm or fire damage. Property rental requires investment in time and money, which is why a landlords insurance policy from The Insurance Octopus will help to protect your business security.

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

What your Landlord Insurance Policy includes

Landlord Insurance - Man in the city at winter

Buildings cover

This cover includes protection against risks such as fuel leakage, falling trees, loss of oil or unauthorised use of utilities.

Landlord Home Emergency Solutions

Providing solutions to respond to potential household emergencies, this cover can be bought alongside your landlord business insurance policy.

Contents cover

As a landlord you are legally responsible for contents, fixtures and fittings of the property. Usually arranged on a new for old basis, this ensures contents are covered.

Loss of Rent / Alternative Accommodation

If you are unable to tenant your premises due to a claim, for instance if your property has been damaged, this cover will protect financial loss of rental income

Day 1 Inflation Provision

Day 1 Inflation Provision provides cover if a standard contract increases the building sum insured, using figures published by the Royal Institute of Architects. Optionally, the amount of cover can be uplifted by specified amounts varying between 15% to 50%, to provide additional protection against the effects of inflation.

Employers Liability

Employers Liability protects an employee against accidents.

Terrorism cover

Terrorism cover standard does not provide cover for any loss or damage caused by direct or indirect acts of terrorism. However, there is an optional extension for premises in England, Wales and Scotland but you must request this cover if required.

Have you considered Landlord Home Emergency Solutions?

As part of our on-going commitment to our customers, The Insurance Octopus now offers Landlord Property Emergency solutions. This cover is exclusive to our Landlord insurance policy holders and provides round the clock response to emergencies which exposes your property or contents to damage, compromises security or causes health and safety risk to tenants.

Partnered with one of the largest providers of legal insurance, ARAG, we are able to bring you the benefits for just £70 a year. Call our landlord specialists today on 0161 968 2044 to find out how you can benefit from this policy.

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Benefits of having Landlord Insurance

Landlord Insurance - Set of house keys from a landlord

Landlords Public Liability Insurance or Property Owners Liability Insurance is essential for renting out properties for residential purposes. As a landlord, you have a legal responsibility for the safety of your tenants and those who may visit the property.

If you are unable to rent your property out because of an insured claim such as flood or fire damage, you are able to protect your income with loss of rent coverage within your landlord insurance policy with The Insurance Octopus.

Legal bills and compensation pay-outs associated with these kind of cases can be very costly, so it is important to protect yourself. Public Liability insurance will provide financial support if a court case is brought against you. As part of your landlord insurance quote provided by The Insurance Octopus, you can be ensured that it includes this for peace of mind.

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Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm

Why choose The Insurance Octopus?

When you’re considering taking out a policy, one of The Insurance Octopus Landlord Insurance specialists will discuss your business requirements with you and compare personalised quotes from a number of major UK insurance providers. You will get a bespoke policy that ensures you only pay for the cover you need. We can add cover for rent guarantee, accidental damage and sector-specific cover tailored to you.

We can provide you with your business insurance and documents on the same day in most cases, offering a range of flexible payment options, including Direct Debit. Speak to us today to get a quote.

Get your quote

Or call us on 0161 968 2041, Mon to Fri 9am - 5.30pm