Landlord Insurance

If you’re a landlord who rents out homes to tenants, you’ll want to know that you’re protected. Landlord Insurance can offer cover against the cost of damage to the building, contents, legal costs, loss of rent, and much more.

Insurance solutions from Gallagher

Insurance solutions from Gallagher

Lloyds Bank Business Insurance Services are arranged and administered by Arthur J. Gallagher Insurance Brokers Limited. When getting a quote online you will be taken to Gallagher’s online site with a new privacy and cookie policy.

Get a quote for Landlord Insurance

Get a quote for Landlord Insurance

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Landlord Insurance cover

Landlord Insurance is a specialist type of cover that’s designed for people renting out their properties. Landlord Insurance can help protect you against a range of potential financial losses.

Damage caused by tenants intentionally or by accident, broken white goods and legal costs could all be covered by Landlord Insurance. You’ll also be covered for lost rent, if your tenant has to move out due to an insured event, like a fire or flood.

Property Owners’ Liability

Property Owners’ Liability

This type of cover can protect you if a person is injured or if there is damage to the property, due to negligence.

Loss of rent and alternative accommodation

Loss of rent and alternative accommodation

If your tenants have to move out due to an insured event, this will cover the cost of lost rent and pay, as well as cover the cost for somewhere else for them to stay.

Landlord Contents

Landlord Contents

You are covered for damage caused to items you provided for your tenants. This includes sofas, wardrobes and white goods.

Buildings Insurance

Buildings Insurance

Protect against the cost of damage to your property that has to be repaired or rebuilt after events like a fire, floods, storms or vandalism.

Accidental Damage

Accidental Damage

This can protect you against damage done by accident. This includes damage to the building and its fixtures and fittings. For example, if you or your tenant smash a window by accident.

Landlord Employers’ Liability

Landlord Employers’ Liability

You are covered for the cost of compensation claims, if an employee is injured or dies as a result of negligence.

Keep in mind

Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.

Talk to an Insurance Specialist

Talk to an Insurance Specialist

Call 0345 377 0002

Lines are open 9am-6pm Monday to Friday excluding Bank Holidays.

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Do I need Landlord Insurance?

A normal Home Insurance policy might not have all the cover you need. As a landlord, you are likely to face more risks than a regular homeowner.

For example, if your tenant was injured by a falling roof tile at your property, or a flood means they have to move and no longer pay rent. Landlord Insurance may cover you against costs like these. Read our guide to find out more

Does Landlord Insurance cover non-payment of rent?

If your tenant can’t pay rent due to an insured event, like a fire or flood, you may be covered. You won’t be covered if your tenant doesn’t pay rent for no reason. You also won’t be covered if a tenant leaves the property without warning.

How much does Landlord Insurance cost?

The cost of Landlord Insurance – also known as the premium – depends on the type and level of cover you need.

The cost can depend on lots of factors. These include:

  • The condition of the property.
  • Where the property is located.
  • How secure the property is.
  • Whether your tenant is employed.

Your Landlord Insurance premium is also worked out based on how likely you are to claim.

Does Landlord Insurance cover tenant damage?

Landlord Insurance may cover the cost of damage to both the building and any contents that comes with the property. This includes items like fridges and sofas.

You may also be covered for damage done by accident. This depends on your level of cover. This means you might be able to claim if a tenant smashes a window by mistake, for example.

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Get in touch

Call 0345 377 0002

Lines are open 9am-6pm Monday to Friday excluding Bank Holidays

Business Insurance Contact Directory

Contact numbers for all your queries including details for making a claim.

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

Insurance covers are subject to the individual terms, conditions and exclusions of the insurer providing them. Always review the policy documentation supplied during the quote process to ensure you have the cover you need.

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Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).