Landlord Insurance from as little as £165

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What is Landlord Insurance?

Landlord insurance is designed to protect rental properties and the risks that come with letting them.

While it’s not a legal requirement, it can help cover financial losses caused by events like fire, flood, theft or vandalism. You can also tailor your policy with optional extras, such as landlord contents cover for furniture and appliances.

Do I need Landlord Insurance?

Landlord insurance isn’t mandatory but standard home insurance usually won’t cover properties rented out to tenants.

If you have a buy-to-let mortgage, your lender will typically require you to have landlord insurance in place.

As a landlord, you’re usually responsible for arranging buildings insurance. Having the right cover in place can help protect you from potentially significant costs if something goes wrong.

What information do I need for a quote?

To get a landlord insurance quote, you’ll need key details about your property, including:

• The property value
• The rebuild value (the cost to rebuild from scratch—not the market value)

Having the correct rebuild cost helps ensure you’re not under- or over-insured.

Protect your rental income with Rent Protection 

Add extra peace of mind with optional Rent Protection cover.

This can help protect your income if tenants stop paying rent or if you need to go through the eviction process.

Cover may include:

• Up to £2,500 per property per month for unpaid rent, for up to 12 months
• 50% of monthly rent covered for a further 3 months post-eviction
• Applies to residential properties only

Rent Protection helps provide financial stability when the unexpected happens.

Types of Landlord Insurance

What does landlord insurance cover include?

At Swinton, our landlord insurance policy can be tailored to suit your needs and may include:

• Buildings cover for risks such as fire, flood, storm and landslip
• Cover for unoccupied properties (typically 30–60 days)
• 24 hours a day, 7 days a week claims assistance, 365 days a year
• The option to choose buildings, contents or combined cover
• Cover for different tenant types, including students and tenants receiving benefits

Additional cover options may include:

• Alternative accommodation
• Theft of keys
• Malicious damage caused by tenants
• Accidental damage
• Holiday home cover
• Landlords content cover
• Land cover
• Landlord Legal Protection is available

Why choose Swinton for landlord insurance?

We’ve been helping customers find insurance for over 65 years and landlord insurance for more than 15 years.

When you choose Swinton, you get:

• Access to a panel of trusted UK insurers
• Help finding cover that suits your needs
• Support from a knowledgeable UK-based team

If you own multiple properties, we can help you insure them under one policy, making renewals easier to manage.

What's covered with Buildings Insurance?

Everything you need to know about what you can be covered for with Buildings Insurance

Hear what our customers have to say...

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Getting a landlord insurance quote with Swinton

Getting a quote is simple:

How to help reduce the cost of landlord insurance

There are some tips that may potentially result in a reduced insurance cost. It’s important to remember that the cheapest Landlord Insurance policy isn’t necessarily the best option for you.

With this in mind, what steps could you take?

Choose the right insurer

It’s a big world of insurers out there, even for something fairly niche like Landlord Insurance. Finding the right policy for your needs can be confusing and time-consuming, which is why the team here at Swinton may be able to help. We’ll do the shopping around for you and return potential policies from our panel of insurers.

Combine your cover

Bundling buildings, contents and liability cover into one policy may offer better value. Speak to our dedicated team to learn more.

Improve your property security

Don’t underestimate your property’s rebuild value

We’ve already mentioned that this is one of the key pieces of information we need before giving you a quote for Landlord Insurance:

• By underestimating it, you could have to pay the difference should the worst happen.
• By overestimating it, you could be paying more than you need to for your insurance.

Don’t forget that the rebuild value isn’t the market value of your property – it’s the cost of completely rebuilding it from scratch (but excludes any land costs).

Consider your contents cover

If your property is furnished, contents cover could help protect valuable items. If your property has any of these, or any element of ‘furnishing’, you should think about purchasing Contents Insurance, especially if they’re of any real value. Weigh up the cost of potentially having to replace these items vs the cost of the cover.

Be mindful of unoccupancy

Between tenants, you might find that your property is unoccupied for a length of time. Be careful with this: due to an increased risk of burglary and vandalism, some insurers won’t cover a property that’s been sat empty for over 30 consecutive days. Through Swinton, your unoccupied property will be covered for up to 30-60 days, depending on your insurer.

If you’re in a situation where you think your property may be unoccupied for a long time, you’ll need to consider taking out additional cover, or your policy may be void.

Think about potential tenants

As we've mentioned, in order to give you an accurate quote, we'll need to know what type of tenants you'll be taking on. Some tenants are deemed a higher risk than others, such as DSS tenants and students, and policies allowing for these demographics will be more expensive overall.

Generally speaking, it’s more straightforward – and cheaper – to rent your property out to working professionals, but you should always do your background checks.