Whether you have a single property or a portfolio, Total Landlord Insurance can provide you with comprehensive cover to support your property needs. We offer easy to understand insurance for landlords without sacrificing high quality buy to let cover and at great price.
What is landlord insurance?
Landlord insurance covers you from financial losses connected with your rental property, such as loss of rent and liability cover. It typically offers a range of different covers grouped into one policy to provide comprehensive protection.
No two buy to let policies are the same
As a landlord, your rental property is a huge investment and protecting it against the unthinkable is essential. Whether you are renting a property to a single tenant or a house in multiple occupation, it is important to make sure that you are fully protected.
Standard home insurance isn’t designed for rental properties – you need specialist landlord insurance that will provide cover whether your property is vandalised or damaged by a flood. With so many landlord insurance products available, finding the right policy with the right level of cover can be difficult, especially as no two policies are the same.
Total Landlord Insurance was created to meet the needs of landlords by offering two simple policies – Essential and Premier. Both policies have been designed to give you the peace of mind that you are covered if the worst should happen. We offer easy to understand insurance for landlords without sacrificing high quality buy to let cover andat great price.
Get a quote
Log in to the NRLA member area to get a quote online, alternatively to discuss your insurance needs in more detail please call 0203 907 1779.
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Why choose us?
- Exceptional landlord insurance, we have been voted as the 'Best Landlord Insurance Provider 2022', for the fifth time at the Insurance Choice Awards
- We don’t penalise you for your renting choices. Uniquely our policies accommodate for housing benefit tenants, students, houses in multiple occupation and working tenants with no difference in cover or price
- A ‘same name claim handler’ service is available, providing access to a dedicated adviser each time you call – 96% of customers would recommend us after a claim
Five time winners of the best landlord insurance provider
What’s covered?
Product Comparison | Essential | Premier |
|---|---|---|
| Buildings | ||
| Standard perils including fire, riot, impact, storm or flood, subsidence and escape of water | ||
| Accidental damage to glass and sanitary fittings | ||
| Accidental damage by tenants or guests | ||
| Malicious damage by tenants or guests | ||
| Theft | ||
| Theft by tenants or guests | ||
| Full cover between tenancies | ||
| Trace and access | ||
| Damage to landscape gardens by emergency services | ||
| Theft of keys or replacement locks | ||
| Loss of metered water of oil | ||
| CCTV | ||
| Removal of nests | ||
| Contents | ||
| Accidental damage to glass or sanitary fittings | ||
| Accidental damage to contents | ||
| Malicious damage by tenants or guests | ||
| Theft | ||
| Theft by tenants or guests | ||
| Single article limit | £500 | £1,000 |
| Landlord's gardening equipment in outbuilding | ||
| Loss of rent or alternative accommodation | ||
| Loss of rent or alternative accommodation in the event of an insured claim | ||
| Denial of access cover | ||
| Excess | ||
| Standard excess | £250 | £250 |
| Subsidence excess | £1,000 | £1,000 |
| Malicious damage by tenants or guests | £1,000 | |
Landlord buildings cover
Both our Essential and Premier policies cover structural damage to the building caused by fire, flood and storm damage. Our Premier policy also includes theft, accidental damage or malicious damage by tenants and their guests at no extra cost, giving you piece of mind that you are covered for damage, be it by theft, accident or malice. We also provide full cover between tenancies for up to 90 days.
Landlord contents cover
Our landlord contents insurance cover will ensure that you are not left out of pocket if the worst should happen to your furnishings in your rental property. Our Premier policy includes malicious damage, theft by tenants and their guests and even extends to gardening equipment as standard.
Loss of rent cover
Both of our policies include loss of rental income, or the costs of re-housing your tenant, in the event the property becomes non-tenantable following an insured claim such as fire or flood.
Subject to policy limits and the terms and conditions of your policy.
Accidental damage cover
Accidents happen, and by their very nature they are impossible to prevent completely. Our Premier policy covers accidental damage by tenants and their guests for buildings should they accidentally leave the taps running or put their foot through the ceiling.
Landlord insurance FAQs
1. What does landlord insurance cover?
Landlord insurance will usually cover your buildings and contents for accidental damage such as a broken window or a sink that has come away from the wall, theft by forced entry, full cover between tenancies, trace and access and theft of keys or replacement locks.
Landlord insurance will also cover you for loss of rent or alternative accommodation in the event that your property is non-tenantable and property owner’s liability to cover you for things like an injury at the property or damage to possessions.
A more comprehensive policy, like our Premier policy, will offer cover such as malicious damage by tenants, removal of nests, landlords’ gardening equipment and outbuilding cover, denial of access cover and employer’s liability cover.
2. Do I have to have landlord insurance?
There is no legal obligation for a landlord to take out a dedicated insurance policy. However, a standard home insurance policy isn’t designed for rental properties – you need specialist landlord insurance that will provide you with adequate cover in the event that your property is vandalised or your tenant is injured on your property.
3. Why do I need landlord’s insurance?
Although landlord’s insurance is not compulsory, a dedicated policy designed for landlords will provide specific cover for your rental property. Landlord’s insurance will cover you for many of the same things that your home insurance does but it will also cover the risks that come with a buy to let such as buildings, contents and loss of rent cover.
4. How much does landlord insurance cost?
The cost of your landlord insurance depends on the level of risk your property presents. Factors that can influence the cost of your landlord insurance include the type of property, property location, the level of cover you need, any extras such as employer’s lability cover and claims history.
Documents
Useful resources
The complete guide to preventing burst pipes in your rental property
As we enter the coldest months of the year, and with many households worried about rising heating bills, some tenants may be tempted to use the heating more sporadically. But although they may think they’re saving money by switching the heating on and off, this can actually increase the risk of burst pipes. And the last thing you and your tenants want is the inconvenience and expense of frozen or burst pipes as temperatures fall. Steve Barnes from NRLA partner, Total Landlord, tells us more.
Partners and Suppliers Steve Barnes 02/01/2024
The complete guide to protecting your property from electrical hazards
NRLA insurance partner Total Landlord explain more about the importance of protecting your property from electrical hazards, electrical safety regulations and what landlords can do to reduce the risk of electrical hazards in the home.
Partners and Suppliers Steve Barnes 08/09/2023
The complete guide to protecting your property from break-ins
Steve Barnes, Associate Director at Hamilton Fraser Total Landlord Insurance, explains seven ways landlords can protect properties from break-ins.
Partners and Suppliers Steve Barnes 06/07/2023
The complete guide to a landlord’s essential responsibilities
In this guide, Total Landlord have collated their expert knowledge to explain what you need to do to meet your obligations at each stage of the ‘landlord lifecycle’ - from getting the right insurance and preparing your property to protecting the deposit and vacating the property at the end of the tenancy.
Partners and Suppliers Steve Barnes 27/04/2023
The complete guide to spring property maintenance for landlords
As the harsh winter weather subsides and spring begins to bloom, it’s the perfect time to check your property for any damage that may have resulted from the damp, cold and frosty winter weather. Spring is a great opportunity for landlords looking to inspect their property as the weather not only becomes milder, but days also get longer, making it easier to check on your property’s health. NRLA Partner, Total Landlord gives us some pointers.
Partners and Suppliers Steve Barnes 08/03/2023
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Please note that any contract for the supply of goods/services will be made between you and the provider of the goods/services; not with the National Residential Landlords Associationor any of its associated companies. The NRLA has no liability in relation to any contract entered into by you as the NRLA only acts as an introducer.
