Landlord insurance is a specialised form of home insurance designed to safeguard investment properties against a range of unforeseen risks.
Cover designed specifically for rental properties
Unlike standard home insurance, landlord insurance offers additional protection tailored to rental properties, covering both property-related and tenant-related incidents.
What Landlord Insurance Covers
Landlord insurance provides protection for your rental property and income, covering risks such as tenant damage, loss of rent, and property-related incidents that standard home insurance doesn’t include.
Building Cover
Protection for the physical structure of your property, including:
Damage caused by fire, flood, storms, or vandalism
Essential infrastructure such as pipes, cables, and built-in fixtures
External structures like garages, sheds, and awnings
Contents Cover (for Furnished Properties)
Coverage for landlord-owned items within the property, such as:
Carpets, blinds, curtains
Furniture and white goods
Appliances and other fixtures
Tenancy-Related Cover
Financial protection against issues arising from tenant occupancy, including:
Loss of rental income due to tenant default or property damage
Malicious damage or theft by tenants or their guests
Legal expenses associated with tenant disputes or evictions
Liability Cover
Provides legal protection if a tenant or their guest suffers injury or property damage on the premises, and the landlord is found liable. For example:
A tenant trips over loose carpeting
A faulty gas heater causes illness
Additional Cover Options
Depending on the policy, landlord insurance may also cover:
Rental loss due to natural disasters rendering the property uninhabitable
Possessions left in the property by the landlord
Coverage for short-term rental arrangements (e.g., Airbnb), subject to policy terms
Cover at a glance
Protection for your rental property, contents, and fixtures
Cover for tenant damage, theft, and vandalism
Loss of rent protection following insured events
Liability cover for injury or damage to others
Optional cover for rent default or tenant-related disputes
Flexible limits and excess options to suit your property portfolio
Who needs it?
Ideal for businesses with high-value assets or complex operations that need broad protection against major disruptions.
Residential Property Investors
Safeguards against tenant-related damage, rental income loss, and legal liability.
Landlords of Furnished Rentals
Protects your contents—furniture, appliances, and fittings—from theft or damage.
Short-Term Rental Hosts (e.g., Airbnb)
Some policies offer tailored coverage for short-term guests—verify with your provider.
Landlords in High-Risk Areas
Offers vital support in the event of floods, fires, or storms that impact habitability.
Landlords with Property Portfolios
Helps manage risk across multiple properties efficiently and affordably.
Why Landlord Insurance Matters
Owning a rental property is a valuable investment, but it comes with inherent risks. Landlord insurance is designed to provide peace of mind by covering scenarios that could otherwise lead to significant financial loss. From accidental damage to loss of rental income and legal liability, it ensures that you are well-protected—no matter what challenges arise.
