Landlord Insurance

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Landlord insurance (also known as buy to let insurance) is a specialist cover for property owners who rent out their homes, providing them with specialised cover from the risks associated with letting out a property. Most policies concern issues regarding the building itself and the items inside it, but providers also cover things like loss of rent, and claims for injuries or damages sustained at the property. Sometimes landlords with more than one property can also take out a portfolio policy, allowing them to safeguard multiple sites at once.

By using Brisco Business’s insurance comparison tool, we can find a policy suited to your requirements and budget in no time by comparing the UK’s leading providers.

Brisco Business can help landlords find the cover that best suits the property they rent, from contents insurance for furnished property to loss of rent insurance for when your tenants need to leave the property as a result of damage. Explore our range of covers and find the right policy to meet your needs.

Compare quotes with Brisco Business now and find a policy with covers to meet your needs.

COMPARE LANDLORD INSURANCE QUOTES

With over 35 years’ experience comparing insurance providers and only presenting those with a minimum Standard & Poor’s “A” rating, you’re sure to find the perfect policy using our comparison tool. Don’t settle for the first landlord insurance package you find. Rely on Brisco Business to help you weed out the average from the awesome.

We partner with some of the UK’s most trusted landlord insurance providers, so that you can compare insurance quotes and choose the options that suit you best.

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RESIDENTIAL LANDLORD INSURANCE

Landlords who rent out properties to be lived in need residential landlord insurance. These policies can provide them with compensation for damages, theft, and relocating tenants if the building becomes uninhabitable.

COMMERCIAL LANDLORD INSURANCE

Commercial landlord insurance is for those who rent to commercial premises such as shops, restaurants, offices. These properties are considered more high risk than residential ones due to the increased number of people coming and going every day.

BLOCK OF FLATS INSURANCE

Landlords who own buildings containing multiple dwellings, like a tower block, or a house that has been converted into flats, can take out a specialist block of flats insurance policy. This is designed to cover more than one home at a time.

UNOCCUPIED PROPERTY INSURANCE

Whether a landlord is away travelling or selling a property, empty buildings are at high risk of theft, vandalism and other forms of damage. Most providers will offer unoccupied property insurance, which often covers a fixed period of time.

Every landlord’s requirements are different, which is why no two landlord insurance policies are the same. Although all need property insurance to protect the building itself, commercial landlords will have different needs from residential landlords, for example.

Property Insurance

Property insurance is an all-embracing term that incorporates various kinds of policies. For instance, one of the cost common kinds under this bracket is contents insurance, which covers the costs involved if any of your building’s contents are lost, damaged or stolen. For instance, should a fire destroy a bed you supplied in a furnished property, you could use your contents insurance to claim for the cost of replacing it. 

Another typical cover included under property insurance is buildings insurance, which protects against damage to the structure itself, like if the building is flooded. This could cause issues such as sloped floors, rotting and cracks in the wall, all of which you’d want to be able to claim for. Meanwhile, glass insurance safeguards you specifically against damage to your property’s glass (namely the windows), and accidental damage insurance insures you for damage caused accidentally by you or your tenants.

Additional cover could include

As well as property insurance, another cover you might come across is alternative accommodation insurance. This pays out for alternative accommodation if your property becomes uninhabitable for some reason, meaning your tenants aren’t left stranded in an emergency and you don’t have to foot the bill for their temporary stay elsewhere. Loss of rent cover ensures you don’t lose out on rent money in such a situation. </p>

Public liability insurance protects your livelihood if you’re ever sued for accidentally injuring your tenants, like if they trip over a loose floorboard and hurt themselves. Legal expenses insurance covers the cost of your legal expenses in such a situation.

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Is landlord insurance legally required?

As a landlord, you don’t technically need to have landlord insurance. However, putting together a customised policy through Brisco Business can ensure that your finances are protected under any circumstances, should the worst happen.

Can I get landlord insurance on more than one property?

Depending on the landlord insurance policy you take out, you may be able to get multiple properties insured on the same cover. However, this will not be guaranteed on all policies across the board. Luckily, Brisco Business can help you put a landlord insurance policy together to suit your needs, including helping you find insurance that covers more than one property.

WHAT DOES LANDLORD INSURANCE COST?

The cost of landlord insurance depends on a few different aspects. For example, the more properties you have, the more your insurance will cost. While the same logic applies to their value too. What’s more, landlord insurance may cost more in certain areas where the crime levels are higher and you’re statistically more likely to make a claim.

HOW MUCH LANDLORD INSURANCE DO I NEED?

How much landlord insurance you require is largely determined by the value of your properties and the contents inside. For a contents insurance policy specifically, it’s recommended that you closely estimate the value of all your belongings inside, such as beds and sofas in furnished properties and fridges and curtains in unfurnished properties.

HOW DO I MAKE A CLAIM ON MY LANDLORD INSURANCE?

To make a claim on your landlord insurance policy, be sure to contact your provider ASAP to receive a claim form. When filling it out, check that you’re within the time frame for making a claim and that the policy actually covers what you’re claiming for. It’s also a good idea to see how the excess is and what the insurer will deduct from the claim.

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