Speak to a specialist. Call us on 0800 062 2330
Trustpilot

Insurance for residential and commercial landlords

As a landlord, having sufficient insurance in place can help protect your property and your business against a variety of risks.

Landlord insurance can provide cover for the building and its contents, protecting against damage from events such as floods, fires, or storms. Depending on the specific cover you choose, it can also provide financial protection against accidental damage, tenant disputes and loss of rental income.

If you are leasing a property to multiple tenants, we can offer you HMO landlord insurance tailored to your needs. Whether you operate a holiday let business, own a commercial property portfolio, or manage several properties requiring coverage under a multi-property landlord insurance policy, we can help you find cover. We recognise the challenges associated with managing property businesses and provide flexible cover options designed to meet your specific requirements.
Landlord Insurance

  • Get a quote online or call us today on 0800 062 2330.

    GET A QUOTE

What types of property are covered by landlord insurance?

A range of property types can be eligible for landlord insurance with Gallagher:

  • Terraced and end terrace houses
  • Semi-detached
  • Detached houses
  • Bungalows
  • Maisonettes
  • Flats
  • HMOs
  • Shared accommodation
  • Student accommodation
  • Unoccupied property

What can your cover include?

A landlord or property owners’ insurance policy can include the following types of cover:
Buildings insurance Cover for the cost of repairing or rebuilding the physical structure of the property, including permanent fixtures and fittings
Contents insurance Cover for the cost of replacing broken or damaged items in the property that belong to you, such as white goods and carpets
Property owners’ liability Cover for injury to third parties or damage to properties owned by third parties caused by your defective property
Employers’ liability Cover for injury to an employee and/or damage to property owned by employees
Alternative accommodation Cover for the cost of alternative accommodation for your tenants in the event that your property becomes uninhabitable due to an insured event.
Accidental damage Cover for the cost of repairing or replacing items, fixtures, or fittings belonging to you that are broken or damaged by accident
Malicious damage Cover for the cost of repairing or replacing items belonging to you that are broken or damaged with intent, either by tenants or other third parties
Unoccupied property Cover for the property when it is left empty for more than 30 days, including during renovation
Legal expenses Cover for legal advice and costs involved in legal disputes related to issues with your rental property

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.

An insurance partner for Landlords

We can provide cover to suit your needs, so you can focus on running your property business.

GET A QUOTE
Advice

Professional advice and guidance on obtaining suitable covers to help protect your business when you need it most.

Market Access

Using our experience and knowledge of the insurance market, we will work with you to find a premium that reflects your needs, by searching rates from across our carefully selected panel of insurers.

Straightforward

We understand that obtaining a quotation can feel complicated; our staff are on hand to help guide you, to make the quotation process quicker and easier.

Unique

Additional covers and policy benefits specifically available for Gallagher customers.

Trustpilot