We've Got You Covered with landlord insurance for your rental properties.
Landlord insurance protects property owners who rent out homes or commercial properties. It covers risks such as damage to the building, loss of rent, tenant disputes, and legal fees. Whether you have a typical rental home, a listed building, or a flood-risk property, landlord insurance is essential for protecting your investment.
At Got You Covered, we offer tailored solutions to meet your needs, even if your property is considered higher risk or non-standard.
Landlord insurance typically costs more because rental properties come with additional risks than owner-occupied homes.
Higher Risk of Damage or Claims – Tenants may not treat the property with the same level of care as homeowners, leading to increased wear and tear or accidental damage, which increases the likelihood of claims.
Additional Cover Required – Landlord policies often have the option to include extra protection like property owners' liability, loss of rent, and legal expenses cover — features that aren't usually needed with standard home insurance.
Ongoing Tenancy Risks – With tenants regularly moving in and out, there's more opportunity for disputes, unpaid rent, or damage. These risks add complexity and cost to the policy.
At Got You Covered, we work with specialist insurers to find competitive landlord insurance that meets your needs, without paying more than you have to.
Purpose-Built Cover: Our policies are specifically created for landlords with unique or higher-risk properties, giving you the right level of protection.
Competitive Pricing: We compare multiple providers to find the best rates, no matter your property type.
Flexible Payment Options: Choose between monthly and annual payments to fit your budget.
Expert Support: Our UK-based team understands your situation and works with you to find you the best insurance solution.
Landlord insurance isn't just useful — in many cases, it's essential. If you rent out a property, a standard home insurance policy usually won't give you the cover you need.
If you have a buy-to-let mortgage, your lender will likely require landlord insurance as part of the agreement. It helps protect both your investment and theirs.
Letting a property comes with different risks compared to living in it yourself, such as tenant damage, unpaid rent, or legal disputes. Specialist policies are designed to cover these situations.
Many regular insurers don't offer cover for rental properties, especially if they fall outside the norm. A specialist provider understands the rental market and offers suitable protection.
A good landlord policy can include cover for lost rent, legal expenses, and liability — helping you maintain your rental income and protect your long-term investment.
Because our insurance is highly specialised and specifically tailored to homeowners in challenging circumstances, sometimes our best quote is only available over the phone.
Call today or complete the Get a Quote form, and one of our friendly agents will contact you.
Please fill the form below and we will get in touch with you to as soon as possible.
Got You Covered offers a wide range of optional covers to add to your policy. For more information, please check our policy documents.
This is a Home Excess Protection Insurance Policy which will provide for the reimbursement of your policy excess following the successful settlement of a claim under your home insurance policy.
This policy provides insurance cover for lost and stolen keys, keys broken in a lock and locksmith costs associated with gaining entry into your home, vehicle or property.
This insurance provides cover for an approved engineer's callout charges, labour, parts and materials following certain sudden and unexpected events occurring at your property.
This cover is designed to cover the cost of legal fees in the event of a breach of their tenancy agreement. The policy will cover up to a maximum of £50,000 of professional legal fees.
This cover helps landlords with legal costs if a tenant breaks their tenancy agreement. It includes up to £50,000 for legal fees and access to a 24/7 legal advice helpline. It also covers unpaid rent — up to £2,500 a month for 12 months — if you're making a legal claim to regain possession of the property. The policy covers legal action to recover rent, regain possession, or remove unauthorised occupants. It also includes hotel expenses if you need somewhere to stay while trying to take back your property.
This cover helps pay for damage caused by your tenant's domestic pet. It includes sudden and accidental damage to your property's fixtures, fittings, and contents. The policy covers up to £5,000 per year, with a limit of £1,000 for damage caused by chewing, scratching, or plucking.
Our specialised Home insurance policies cover a lot, but some things aren't covered. Please check our policy documents to see a complete list.
Routine maintenance and general wear and tear of the property or its contents are not covered. Our policies focus on unexpected events, not gradual deterioration.
Damage caused by failing to maintain the property or take reasonable precautions to prevent loss, such as leaving doors or windows unlocked, will not be covered.
Damage or issues that existed before the start of your policy are excluded.
Damage caused intentionally by you or any residents of the property will not be covered.
Unless declared and insured separately, expensive items like jewellery, artwork, and electronics over a certain value may not be fully covered.
Buildings insurance is essential for homeowners, providing comprehensive protection for the physical structure of your home. This type of insurance covers the cost of repairing or rebuilding your property if it's damaged or destroyed by unforeseen events like fire, flood, storm damage, vandalism, or subsidence.
Contents insurance is designed to protect the items within your home. This includes everything from furniture and electronics to clothing, appliances, and personal valuables. Contents insurance helps cover the cost of replacing or repairing these items.
Combined buildings and contents insurance offers cover by bundling both types of insurance into a single policy. This option protects both the physical structure of your home and the personal belongings inside.
Fill out our quote form or give us a call to start the process, being careful to provide accurate information.
Our experts will discuss your needs and find the best coverage. Paying attention to key exclusions and benefits.
Return any documents we require in the post or via email. Our team are always happy to assist with this.
Receive your customised quote and get peace of mind.
We understand the complexities of landlord insurance and how daunting it can be, especially if you require a specialised policy. While our online quote form is a great starting point, speaking with one of our expert landlord insurance brokers can make all the difference in finding the perfect policy for you. Here's why:
Personalised Expertise: Our insurance brokers have extensive experience handling unique insurance requirements. By discussing your requirements over the phone, they can tailor a policy that fits your needs perfectly - something an online quote form might miss.
Making things clear: Insurance policies can contain jargon and complex terms. Speaking with our team gives you the opportunity to ask questions and ensures you understand all aspects of your coverage, including any exclusions or conditions that might apply.
Immediate Assistance: Our insurance brokers are just a phone call away if you need immediate help. A call ensures you get real-time support and guidance, making the process smoother and faster.
Flexible Payment Options: We offer a variety of payment plans, including instalment payments, to fit your budget and schedule.
Entering the incorrect information could be as simple as forgetting to include a minor accident, misrepresenting how the property is used, or leaving out important details like changes or additions to the building.
Talking to one of our staff lowers the risk of incorrect information on your policy. This ensures your policy will provide you with cover should you need to make a claim.
Previous claims can impact your premium, but we work with insurers who offer fair quotes even if you’ve had claims in the past. The impact on your premium will decrease over time if you maintain a clean record.
Yes, we specialise in insuring listed buildings and other non-standard properties. Whether it’s an old mansion or a historic flat, we’ll find the best policy for your property.
Yes, unoccupied properties can be insured, but you may need a specialist policy. We work with insurers who offer cover for properties that are between tenants or vacant for extended periods.
Getting a quote is simple and quick. Just provide details about your property, and we’ll search our network of trusted insurers to find a policy that suits your needs. You can get your quote in minutes, so why wait?
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