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Insurance Over 30 Years

Low premiums via leading insurers

Lowest premiums from leading UK insurers

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Landlord Insurance

If you are a landlord or property owner, we can help protect you financially against risks such as damage to your let property or contents, loss of rent, tenant liability claims and legal expenses. We understand the risks when renting out a property and as a result, provide high levels of cover as standard.

Our team has over 138 years combined insurance expertise giving you confidence that you will be supplied with a tailored policy for your unique requirements. We are also backed by leading UK insurers who provide robust cover at very competitive premiums and strive to handle claims efficiently.

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Landlord Insurance
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Blue Shield Complete Landlord Protection

White Squares
  • Blue Building
    Buildings Cover
  • Blue Couch
    Contents Cover
  • Blue Coins
    Loss of Rent
  • Blue Ambulance
    Landlord Liability
  • Blue Gavel
    Legal Expenses
  • Blue People
    Employers Liability
  • Blue Buildings
    Multiple Properties

Property Owners Insurance

Black Squares

Residential Tenancy Landlord

Whether the building is unoccupied or you let your property to tenants, it is important to protect your property and livelihood. Without the right cover, unexpected events could leave you seriously out of pocket. Fire, flood, vandalism or an error on your part that causes injury to the tenant could result in major losses.

Commercial Tenancy Landlord

Landlords should expect flexibility from their policy, and with B&M insurance we are able to tailor a quote for your business needs. Whether you need a policy for a number of properties, or a single business venture, we have you covered. We can offer combined landlord options for residential and commercial properties.

Why B&M Insurance?

  • Grey Tick Excellent service over 30 years
  • Grey Tick Compare leading UK insurers
  • Grey Tick Trusted by over 3,000 customers
  • Grey Tick Tailored quotes to your specific needs
  • Grey Tick Comprehensive levels of cover
  • Grey Tick Professional team based in Manchester

What Is Landlord Insurance?

A landlord insurance policy helps protect the building you are renting out and your contents within the property. It also secures you financially against any potential claims brought against you by tenants if they suffer an injury or any losses as a result of an accident in your property. Further benefits provide loss of rental income if your property is deemed uninhabitable (following an insured event) and the tenants can no longer stay there.

Do I Need Landlord Insurance?

Letting To A Tenant

Insuring your assets should be a top priority of every landlord. We can tailor a policy to ensure that you, your assets and your tenants are protected and that you are abiding by the law. With B&M Insurance brokers you can choose from a range of key cover from our carefully selected top UK insurance partners.

"Excellent, friendly and patient service is a must when looking to buy different kinds of insurance. B&M insurance have provided me everything I have needed over the years. I have appreciated all the constant reminders."



As a landlord, any properties you own are important assets worth protecting with a comprehensive policy tailored for you. Our team will guide you step-by-step and explain all the options available to you to ensure you have the right level of cover. We have been providing landlords with excellent cover since 1990, protecting against unforeseen consequences.

Our team are experts when it comes to finding the right policy for you. We make it hassle free and easy to get the protection you need. If you are unsure about exactly the type of insurance you need for your property, contact our team today on 0161 763 8222 so we can help to get you started.

No Legal Obligation

Whilst there is no legal obligation to obtain a dedicated insurance policy, your mortgage lender may require you to take out landlord insurance before you take on tenants. Ensure if you have taken out a mortgage that you speak to your lender to ensure that you do not break any terms of your agreement.

"Extremely smooth and easy process, Josh and Liam both very fast and efficient, and got the cover sorted with a great quote in no time. Highly recommended."

Landlord Insurance Cover

Buildings Insurance

Whether you are a commercial or residential landlord, your property should be important enough to protect. This valuable asset faces unique challenges and risks every day, and a buildings insurance option will help safeguard your investment. Examples of risks include: fire, bad weather, criminal damage, bursting pipes, falling objects, subsidence, accidental damage and vehicle impact.

"Very helpful and professional service. Kate promised to call early in the day before official working hours and delivered. Felt listened to and looked after. Thankyou."



If an unexpected event damages the structural integrity of the building, you will be covered for the below (remember that if the cover you have is just for the building alone, it is the building itself and not the contents that are protected):

  • Black Shield Floors
  • Black Shield Ceilings
  • Black Shield Roof
  • Black Shield Walls
  • Black Shield Windows
  • Black Shield Doors
  • Black Shield Fittings

Contents Insurance

Furniture, carpets, appliances and other items all add up to be worth thousands, protecting your contents against damage, theft or vandalism is a key priority for landlords. Adding this option to your complete landlord policy will ensure all items are protected against damage or theft.

"Kevan expertly guided me through the insurance process and found an excellent quote for me. Couldn’t be happier with the service provided."



The following are examples of the types of items that can be protected under a contents insurance policy which would be costly to replace:

  • Black Shield White Appliances
  • Black Shield Furniture
  • Black Shield Carpets
  • Black Shield Electronic Devices
Tenants' Contents

The tenants' possessions will not be covered by your policy, and you will need to inform them to take out their own contents insurance if they want to protect their belongings. You can refer your new tenant to us and we can deal with their contents insurance, this way you have peace of mind that your tenants belongings are insured.

Loss of Rent

Extreme events can cause your property to become uninhabitable, which in turn results in you receiving no rent payments until the property is restored. Can you afford to lose your monthly rent? Loss of rent cover protects you against events that mean your tenants can no longer stay in the property, covering the income you've lost as a result of your tenants no longer paying rent.

"Current insurer could no longer provide what I needed and I happened to drive past B&M on my way home, rang them and within 24 hours everything had been sorted, thoroughly recommended!"



Tenants Who Default

Loss of rent does not cover you if a tenant defaults on their rent, that is a seperate matter that could require legal proceedings. We are able to provide additional cover if you want to safeguard yourself in case a tenant does not pay their rent and you want financial security for any legal fees incurred.

Alternative Accommodation

It is possible by law that you may be contractually obliged to provide alternative accomodation if your property is deemed uninhabitable. You can add alternative accommodation cover to your landlord policy to protect you against the cost of temporary measures for your tenants. Alternative accommodation cover will only pay out if the reason for the property being uninhabitable is a specified and insured event.

Landlord Liability Insurance

Any building can turn into a death trap due to the inherent risk a property made of bricks has when containing electricity and plumbing. If your tenant is injured and it is considered to be your fault, it could financially cripple you if a compensation claim is brought against you.

"This is the first time I have used B&M Insurance. What can I say - excellent service from Liam who was helpful, courteous and friendly. The price quoted for landlord building insurance was very competitive. I will certainly contact them again in the future and highly recommend B & M Insurance. Thank you Liam."



Landlord liability insurance will protect you against the cost of compensation payouts for injury or damage sustained to a tenant or visitor resulting from a fault in your property. Poor wiring, out of place tiles, damaged floorboards, extreme mould spores and other hazards that are out of the tenants control (your responsibility) can cause injury or ill health.

Employers Liability Insurance

If you are a business that employs staff members, it is a legal requirement that you have employers liability insurance to cover fees resulting from injury and illness claims. As an add-on to the policy, we can give you complete peace of mind that any legal fees and damages awarded to your staff will be covered.

"Cannot say good enough things about B&M Insurance. We needed buildings insurance and every where we went to asked questions off a tick sheet asking daft questions that were not relevant. Found B&M online called and bingo a human service that asked relevant questions, and a very good service. We are now happy customers"

Loss Recovery Cover

Loss recovery can help you in the event that you need to make a large, time consuming and complex claim. With the extra cover, a specialist can be dedicated to you and your claim meaning you can relax. The expert will help handle your claim, minimise disruption, obtain faster settlements and provide legal advice.

Additional Cover Options

We strive to match a policy to your individual needs, considering the above to be "core" elements and important cover options for any landlord. You can add additional cover such as legal expenses, terrorism and secure multi properties under one single policy. Please speak to one of our expert insurance advisors to build your quote on 0161 763 8222.

"The level of service from B&M has always been outstanding for many years, and their prices the most competitive we have found. And always delivered with that personal touch from Kevan."

Types of Properties Insured

We can provide assistance to you for a plethora of diverse rental properties regardless of how big they are, the location or type of risk. Whether you are renting out a house on a buy to let scheme or operate a commercial enterprise with a portfolio of buildings, we believe we can help you get the right levels of cover from leading insurers.

  • Black Shield Commercial
  • Black Shield Residential
  • Black Shield Buy To Let
  • Black Shield Unoccupied
  • Black Shield Portfolio
  • Black Shield Block of Flats

Rental Insurance Quote Comparison

As an independent broker, we have access to a panel of leading UK insurers who we have formed strong relationships with over the past 30 years. They are able to provide vast levels of cover as standard for landlords along with their lowest premiums. Based on your requirements, we are able to search the market to find you the right level of cover at an affordable price. Our experienced team identify an adequate policy for you (including any additional add-ons you require), provide advice on the different levels of cover from the underwriter and assist with any claims you may need to make after the inception date.

"Started the day in trepidation about sorting 2 different types of home insurance out. After struggling with websites of other providers - and being offered expensive premiums, I am delighted to have found B&M Insurance with the chance to talk issues and details through and receive clear explanations of terms used from a real human being! Dan Fay was brilliant! He rang back several times to clarify points and found me two excellent products at the best rates of the day! Thank you very much Dan."

Business Insurance Experts

Light Square
Red Star

91% Renewal Retention

We strive to build a strong relationship with our clients. Ensuring quick and informed responses - with no delays.

Red Heart

Invaluable Experience

Our team of 8 has over 138 years combined insurance expertise and are duly qualified to help you.

Red Graph

3,150 Live Policies

We insure firms with just one person right up to companies with 738 staff, 205 vehicles and a turnover of £120,000,000.

Red Scissors

Tailored Package

Comprehensive insurance products tailored just for the needs of your business requirements.

Red Pin

Local Protection

As a local broker we can look after your business on a more personal basis. Pop in to see us or we can arrange to visit you.

Green Cup

Trusted UK Insurers

We present the most suitable policy based on the quality of cover after comparing up to 30 UK insurers.

Contact our team on 0161 763 8222 or request your free quote

Customer Reviews

4.9 Star Rating Rated 4.9 out of 5 on Google

5 Stars
Derek Whitaker

Derek W

Five Stars for B&M


Great people to deal with at B&M, always get a fantastic insurance quote and that's why I've been with them since 2004 and will continue to use them.

5 Stars
Christine Bell

Christine B

Highly Recommend


Very helpful and nothing is to much trouble will go the extra mile for you and competitive. Nice guys.

5 Stars
Barry Worrall

Barry W

Excellent Price


5 Star Service, excellent price, also customer service was more than helpful.

Would highly recommend B&M Insurance.

Our Team: 138 Years Combined Experience

Kevan Haughton

Kevan Haughton

Sian Phillips

Sian Phillips

Daniel Fay

Daniel Fay

Josh Phillips

Josh Phillips

Kelly Kaisbitt

Kelly Naisbitt

Liam O'Neale

Liam O'Neale

Find out more about our team of friendly insurance specialists

Trusted by 3,000 in Greater Manchester

Call 0161 763 8222 for a free quote

Google Stars

Rated 4.9 / 5 stars

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