Insurance can be easier to understand when you know what each policy is designed to do—and what it might not cover. This guide explains key points to consider before speaking to a qualified professional.
Why landlord insurance differs from standard home cover
A standard owner-occupier policy may not be suitable for a property let to tenants. Landlord policies are designed around rental-property risks, subject to the terms and occupancy declared.
Buildings and landlord contents
Buildings insurance can protect the structure against specified events. Landlord contents cover may protect items supplied by the landlord, but generally not a tenant’s own belongings.
Property owner’s liability
Liability cover may respond to certain claims alleging injury or property damage linked to ownership of the property. Check the indemnity limit and exclusions.
Loss of rent and alternative accommodation
Some policies include loss-of-rent cover following an insured event that makes the property uninhabitable. This is different from rent guarantee insurance for tenant non-payment.
Tenant types and unoccupied periods
Insurers may set different conditions for student lets, houses in multiple occupation, short-term lets or periods when the property is empty. Declare the occupancy arrangement accurately.
Choosing a policy
Review rebuild value, excesses, escape-of-water terms, malicious damage, legal expenses and the conditions attached to inspections, security and maintenance.
Frequently asked questions
Does landlord insurance cover missed rent?
Not automatically. Rent guarantee is usually a separate type of cover with its own eligibility conditions.
Can I use ordinary home insurance for a rental property?
You should tell the insurer the property is let and confirm the policy is suitable.
Do tenants need their own contents insurance?
Tenants may choose contents insurance for their belongings, which landlord policies generally do not cover.
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Start an enquiry →Reviewed for general clarity: October 2026. Product terms and regulations may change. Check current policy documents and obtain appropriate advice before making decisions.