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.

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Buildings Cover

Contents Cover

Loss of Rent

Landlord Liability

Legal Expenses

Employers Liability

Multiple Properties

Landlord & Property Owners Insurance

Independent Broker Expertise Since 1990

What Is Landlord Insurance?

A landlord insurance policy helps protect the building you are renting out and your contents within the property. It also includes Property Owners' Liability. This secures you financially against legal claims and compensation if a tenant or visitor is injured on your property due to your negligence. 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.

Residential Property 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 Property 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 property, we have you covered. We can also offer combined landlord options for residential and commercial properties.

Do I Need Landlord Insurance?

Letting To A Tenant

Professional protection for every stage of your journey

The right Landlord Insurance secures you financially against any potential claims brought against you by tenants or members of the public if they suffer an injury or any losses as a result of an accident in your property as well as protecting your investment by providing cover for damage caused to the building by an insured event. We can quote for a policy that protects, your assets and your liability to others as a property owner. Here at B&M Insurance Brokers we will help you choose from a range of specialist insurers so that you get the best cover at the right price.

Not all policies are the same and so it is important that you have all the options fully explained so that you can make an informed decision as to what suits you best. 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, so speak to our friendly, helpful staff for a no obligation quotation and advice.

Our team are experts when it comes to finding the right policy for you. We offer free, no obligation advice and make it hassle free and easy for you to find the right policy. If you are unsure about the type of insurance you need for your property, contact our friendly, helpful team today on 0161 763 8222 so we can help.

If You Have A Mortgage

Whilst there is no legal obligation to take out Landlord Insurance, your mortgage lender will often require you to take out landlord insurance as a condition of providing a mortgage. Our team are experts when it comes to finding the right policy for you. We offer free, no obligation advice and make it hassle free and easy for you to find the right policy. If you are unsure about the type of insurance you need for your property, contact our friendly, helpful team today on 0161 763 8222 so we can help.

What does Landlord Insurance cover?

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.

If an unexpected event damages the structural integrity of the building, you will be covered for the below:

Floors Ceilings Roof Walls Windows Doors Fittings

(Remember: if the cover you have is for the building alone, it is the building itself and not the contents that are protected).

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.

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

Carpets & Curtains White Goods Furniture 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.

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.

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.

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.

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.

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.

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.

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.

Property Types Insured for Landlord Insurance

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.

Our expertise allows us to navigate the complexities of different building types, ensuring that your specific Landlord Insurance requirements are met with precision. By working with a panel of top-tier UK underwriters, we ensure that even unique or higher-risk properties receive the comprehensive protection they deserve, backed by our 35 years of industry experience.

Get Covered for Landlord Insurance

As an independent broker, we have access to a panel of leading UK insurers who we have formed strong relationships with over the past 35 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.

Fill out our free quote form or give us a call to speak with a member of our team today.