Landlord Insurance from as little as £168

Compare Landlord Insurance

We'll compare Landlord Insurance quotes from our key panel of insurers, saving you valuable time. From urban apartments to semi-detached houses, whatever type of property you’re looking to insure, we’re here to help. Our flexible insurance panel can cater for all sorts of requirements, so you’ll only pay for what you need.

What is Landlord Insurance?

Though not mandatory, it may be worth considering Landlord Insurance if you’re renting out a property. It’ll cover you for financial losses you incur due to theft, vandalism, fire, and flooding. Plus, you can protect against things like breakages and spillages with optional Contents Insurance cover. Other optional extras are available, giving you the ability to tailor your policy to suit you. 

Do I need Landlord Insurance?

While Landlord Insurance isn’t a legal requirement, a normal Home Insurance policy wouldn’t cover your property if it’s being rented out to paying tenants. Plus, if you have a buy-to-let mortgage, your lender will most likely have the condition that you have dedicated Landlord Insurance in place.

When it comes to who pays for Buildings Insurance, landlord or tenant, this should be your responsibility. Again, while Landlord Insurance isn’t mandatory, you may want to consider getting Buildings Insurance at the very least. In the long run, it’s a relatively small price to pay to protect you against potentially huge costs in the future.

What information do I need?

Before you can get a Landlord Insurance quote, you should know your property’s value, as well as its rebuild value – note that these two things are commonly confused, and the rebuild value is how much it would cost to completely rebuild your property from scratch.

Types of Landlord Insurance

What does Landlord Insurance cover include?

At Swinton, we aim to offer you a bespoke Landlord Insurance policy with all the elements required to suit your needs. Our Landlord Insurance cover may include the following:

• Unoccupied properties covered for 30-60 days, depending on your insurer
• Protection against a wide range of perils, including – but not limited to – fire, storm, flood, and landslip
• Flexibility to include/exclude subsidence cover 
• 24-hour claims assistance, 365 days a year

You can select Buildings Insurance, Contents Insurance, or a combined policy, and we provide cover for a variety of tenants, including students and DSS.

Plus, ask us about some of these additional cover options:

• 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

Reasons to consider Swinton for your Landlord Insurance

At Swinton, we have been providing insurance for over 65 years, and Landlord Insurance specifically for over 15 years. Our team is here to support you, and we work closely with our carefully selected panel of insurers to try and find you your policy.

If you have more than one property, we can help you insure all of them with one simple policy, giving you one easy renewal date that’s easier to manage. Plus, we can offer lower rates on multiple properties.

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 quote with Swinton Insurance

It’s straightforward to get a Landlord Insurance quote through Swinton. Just give us a call, and our friendly and helpful team will guide you through the process. Here’s what you can expect when you speak to us:

How might I affect the cost of my 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 policies

When it comes to Landlord Insurance, there are several things you’ll need cover for, including buildings and contents, plus accidental damage cover and liability insurance. By packaging up these elements into one policy, you may get better value for money. Plus, if you own several properties, it may be possible to get a better quote if you insure with one company. Speak to our dedicated team to learn more.

Strengthen your 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).

Think about whether you need Contents Insurance

Contents Insurance isn’t just for personal possessions/belongings – it’s also for things like white goods, flooring, curtains… Basically anything that can be moved out of the property. 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.