Property Owners Insurance

Landlord Insurance

Comprehensive protection for buy-to-let property owners. Whether you have a single rental property or a growing portfolio, we'll find the right cover to protect your investment and rental income.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Landlord Insurance Cover?

Landlord insurance typically combines several key covers to protect your property investment. The exact coverage depends on your policy, but may include:

Buildings Insurance

Protection for the physical structure of your property against damage from fire, flood, storm, subsidence, and other insured perils.

Contents Insurance

Cover for landlord-owned furniture, appliances, and fixtures if you let your property furnished or part-furnished.

Loss of Rent

Replacement of rental income if your property becomes uninhabitable due to an insured event, typically for up to 12-24 months.

Property Owners' Liability

Protection if a tenant or visitor is injured at your property and you're found legally liable. Usually £2m-£5m cover.

Legal Expenses

Cover for legal costs associated with tenant disputes, eviction proceedings, and property-related legal matters.

Malicious Damage by Tenants

Optional cover for deliberate damage caused by tenants, subject to policy terms and excess.

Alternative Accommodation

Costs to rehouse tenants if the property becomes uninhabitable due to an insured event.

Emergency Assistance

24/7 helpline for emergency repairs such as burst pipes, broken locks, or heating failures.

Accidental Damage

Optional cover for accidental damage to buildings and contents beyond standard perils.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Specialist Expertise

Over 10 years arranging landlord insurance. We understand the unique risks property investors face.

Personal Service

Speak directly to experienced brokers who take time to understand your portfolio and requirements.

Claims Support

We're here to guide you through the claims process and liaise with insurers on your behalf.

Policy Review

Annual reviews to ensure your cover keeps pace with property values and portfolio changes.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Own one or more buy-to-let residential properties
Let properties on Assured Shorthold Tenancies (ASTs)
Need to protect your rental income stream
Want liability cover for tenant and visitor injuries
Require legal expenses cover for tenant disputes
Own properties with sitting tenants or on longer leases

What We'll Need for Your Quote

1
Property address and postcode
2
Property type (house, flat, maisonette, etc.)
3
Year of construction and construction type
4
Rebuild value (not market value)
5
Current tenant details and tenancy type
6
Any previous claims in the last 5 years
7
Whether the property is furnished or unfurnished
8
Any non-standard construction features

Get Your Quote

Frequently Asked Questions

What's the difference between landlord insurance and home insurance?

Standard home insurance is designed for owner-occupiers and typically excludes rental properties. Landlord insurance is specifically designed for let properties and includes covers like loss of rent, property owners' liability, and legal expenses for tenant disputes that aren't available on standard home policies.

Do I need landlord insurance if my property is empty?

Yes, and it's important to tell your insurer if the property is unoccupied. Most policies have restrictions on cover if a property is empty for more than 30-45 days. We can arrange specific unoccupied property insurance if needed.

Does landlord insurance cover tenant damage?

Accidental damage by tenants may be covered under standard landlord policies. Malicious or deliberate damage by tenants is usually an optional extra and may have specific conditions, such as requiring proper referencing. We'll explain your options clearly.

Can I insure multiple properties on one policy?

Yes, portfolio landlord insurance can cover multiple properties under a single policy, often with administrative benefits and potential premium savings. We can advise on the best approach for your portfolio size.

What is 'loss of rent' cover?

Loss of rent cover pays out if your property becomes uninhabitable due to an insured event (like a fire or flood) and you can't collect rent while repairs are carried out. It typically covers rent for 12-24 months.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.