Landlords Insurance Quote

What Is Landlords Insurance and Why Do You Need It?

Landlords insurance is a type of cover that protects property owners from financial losses connected with rental properties. It covers the building, with the option of insuring any contents that belong to the landlord.

As a sports professional, you may have unique requirements due to your lifestyle and commitments. Having landlords insurance can provide you with the peace of mind that your investment is protected, allowing you to focus on your sporting career.

What Types of Tenants Can I Insure?

At All Sport Insurance, we can provide cover for a variety of tenants. Whether you rent to professionals, students, or on short-term lets, we can provide a tailored policy for you.

What Type of Landlords Insurance Do I Need?

There are several types of landlords insurance to consider, depending on your needs:

Buildings insurance: covers the structural part of your property against things like fire or flood.

Contents insurance: covers your furniture and appliances within the property but not that of your tenants.

Liability insurance: covers legal costs and expenses if a tenant or visitor is injured at your property.

Loss of rent cover: protects your income if the property becomes uninhabitable due to an insured event i.e flood, fire or subsidence.

How Much Does Landlords Insurance Cost?

Landlords insurance can start from as little as £80 per year for smaller rental properties with basic coverage and low-risk factors. However, premiums can rise to several hundred or even thousands of pounds annually for larger portfolios, properties located in high-risk areas, or those with valuable contents or features that carry a higher risk of damage, theft, or tenant-related issues—especially where factors like frequent tenant turnover, property condition, or local crime rates are involved.

Buildings Insurance – from £120/year

Landlord Contents Insurance – from £80/year

Legal Expenses Cover – from £35/year

What can affect the landlords insurance price?

Insurance premiums for landlords insurance and related policies can vary depending on several factors. Here’s what typically influences the cost:

• Property Size & Location: Larger rental properties or those located in high-crime or flood-prone areas may face higher premiums due to increased exposure to risks such as theft, vandalism, or natural disasters.
• Property Features & Usage: Properties with valuable contents, shared facilities, or those frequently rented out short-term may pay more due to greater liability and risk exposure.
• Claims History: A clean record with no recent claims helps keep premiums lower. Previous incidents—such as theft, tenant damage, or fire claims—can increase costs.
• Type & Level of Cover: The more comprehensive your coverage (e.g., higher limits, broader protection including buildings, contents, accidental damage, or flood cover), the higher the cost—though it also provides stronger financial protection.

Optional Upgrades and Add-Ons:

Many insurers offer options to enhance your landlords insurance policy with:

• Enhanced Property & Contents Cover: from £30 – £150
  Gives landlords additional protection for fixtures, fittings, and contents provided within the property. This ensures that accidental damage or unexpected losses are covered, helping you safeguard your investment and avoid costly repairs or replacements.
• Loss of Rent & Tenant Default Cover: from £50 – £300
  Protects your rental income if your property becomes uninhabitable due to an insured event or if a tenant fails to pay their rent. This cover helps keep your finances stable, ensuring you’re not left out of pocket while issues are resolved.

How can I get cheaper landlords insurance?

Improve your property’s safety, risk profile, and overall insurability with these effective strategies:

1. Upgrade Property Security: Install CCTV, motion-sensor lighting, secure locks on all doors and windows, and consider alarm systems for your rental properties. These measures can deter theft, vandalism, and unauthorised access—helping to reduce your premium by 10–15%.
2. Create a Landlord Risk Management Plan: Well-managed rental properties are seen as lower risk. This may reduce your premium by 5–15%. Demonstrate to insurers that you’re proactively managing risks by implementing:
   1. Regular property inspections (pre-tenancy, periodic, and post-tenancy)
   2. Maintenance logs for plumbing, heating, and electrical systems
   3. Installed and functioning smoke and carbon monoxide detectors
   4. Documented emergency procedures for fire, flood, or tenant issues
3. Keep Safety Systems Maintained: Ensure all alarms and detectors are regularly tested and serviced. Keep fire extinguishers in accessible locations and ensure tenants are aware of safety protocols. Insurers often reward proactive landlords with 5–10% discounts.
4. Increase Your Voluntary Excess: Choosing a higher voluntary excess (e.g., £1,000 instead of £500) means you take on more of the cost in the event of a claim. In return, you can often reduce your premium by 5–20%.
5. Bundle Your Landlord Policies: Combine your landlords buildings insurance with contents, legal expenses, rent guarantee, or liability cover into a single package. This can unlock better rates and streamline management. Typical savings: 10–15% overall.

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