Landlord Insurance

  • Flexible cover researched to the needs of landlords 
  • Get comprehensive cover
Gold Trusted Service Award - Feefo 2020
Platinum - Trusted Service Award - Feefo 2021

Landlord Insurance

Whether you manage a block of flats, commercial property or a housing portfolio, we can protect them all with a range of Landlord Insurance policies through The Insurance Octopus. Together, we can research packages for a variety of landlords – such as those who manage and rent out apartments, terraced housing or bungalows. Providing a stable foundation for your business, we can ensure you can choose the right level of protection from life’s uncertainties. Through The Insurance Octopus, you can personalise your property policy, only taking out the cover you need, based on guidance from experts in the field. With flexible payment options, and a range of insurers to choose from, along with being a Feefo Platinum awarded company – you get peace of mind knowing that you’re receiving a transparent service. 

Quotes are easy too. Just fill in our handy form, or request a call back, and we’ll take you through our great selection of options. And, should your requirements ever change, then your policy can change with it. No hassle. No fuss. No administration fees for mid-term adjustments either.

What may be included in a Landlord Insurance policy?

Commercial Combined Insurance awards

Buildings Insurance

Without your buildings, you’re without your business. This cover protects against loss or damage caused by fire, flooding, storms or explosions, as well as replacements of pipes, cables and drains.

Commercial Combined Insurance awards

Contents Cover

Tenants have their belongings, but the fixtures, fittings and contents are your domain. Should they be damaged, we can source a policy to replace them, ensuring your service never wavers.

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Loss of Rent

Covers money lost should your property become uninhabitable due to an insured event, such as a fire, flood or if your tenants must move out.

Commercial Combined Insurance awards

Employers Liability Insurance

A legal requirement in the UK, this cover protects the staff you hire to manage your properties.

Landlords Insurance for Single Properties to Property Portfolios

With property owners and public liability insurance all in one policy

As a professional landlord, you may let out an individual house, a block of flats, or own a property portfolio of residential or commercial premises. No matter the size or number of properties you own it is crucial that you protect your property business against financial loss with a bespoke landlord 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 landlord’s insurance policy through The Insurance Octopus can help to protect your financial security.

What Your Landlord Insurance Policy Includes

Buildings insurance for landlords

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 also be increased by certain amounts varying from between 15% to 50%, to provide additional protection against the effects of inflation.

Employers Liability

Employers Liability protects an employee against accidents and is a legal requirement f you hire employees to help manage your properties.

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 ongoing commitment to our customers, The Insurance Octopus can now source Landlord Property Emergency Solutions. This cover is exclusive to our Landlord Insurance policy holders and provides round-the-clock response to emergencies which expose your property or contents to damage, compromise security or cause 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 experts today on 0161 968 2044 to find out how you can benefit from this policy.

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Why You Need Landlord Insurance

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 through The Insurance Octopus.

Legal bills and compensation pay-outs associated with these kinds of cases can be very costly, so it is important to protect yourself. Public Liability Insurance provides financial support if a court case is brought against you. As part of your Landlord Insurance quote through The Insurance Octopus, you can be assured that it includes this for peace of mind.

Comprehensive Landlord Insurance Cover to Provide Protection For Residential Property Owners.

Bespoke Cover Arranged in Minutes

When you’re considering taking out a policy, one of The Insurance Octopus’ Landlord Insurance team will discuss your business requirements with you and compare personalised quotes from a number of major UK insurance providers. You will be presented with bespoke policy options that ensures you only pay for the cover you need. 

Our Dedicated Team

We can source and 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. 

Why choose The Insurance Octopus to insure your property?

We proudly make sourcing business insurance simple and cover through us comes with a range of benefits. 

Up to £5 million of cover

Claims can be expensive, that’s why we source options that offer up to £5 million worth of Public Liability cover for shops. With more available upon request. 

Simple specific cover

To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.

A team that knows your industry

We’ll connect you with an agent who is an expert in your field. They understand the challenges you face, and can truly get to grips with the type of cover you need.

Easy claims process

Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.

No mid-term fees, ever

We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.

How it Works

Examples of Landlord Insurance in action

A £5,000 Case of Flood Damage

Following a period of heavy rain or a plumbing problem, one of your tenanted properties has carpet and wall damage which urgently needs to be repaired. The property is now uninhabitable, causing your tenant to leave. The repair work required is significant, leaving your property vacant for six months and causing a rental income gap of £5000. Your Landlord Insurance cover protects you from the financial loss of rental income as a result of the property damage claim, giving you peace of mind and security.

The £3,000 Compensation Claim

A fire caused by an electrical fault has caused damage to your property and to some of your tenant’s personal possessions. The tenant has had to move at short notice to a more expensive property and needs to replace expensive possessions very quickly. The tenant starts legal proceedings against you, claiming the cost of loss of earnings, time lost and compensation for the replacement of personal possessions. Landlords Public Liability Insurance also known as Property Owners Liability Insurance ensures that any legal defence bills or successful compensation claims against you are covered, giving you peace of mind. 

Other Types of Landlord Insurance We Can Source

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