Commercial Property Insurance
Property protection for buildings let to businesses.
Our underwriting partners:
Residential landlord insurance from Discount Insurance
With vast experience of handling policies for a wide range of landlords, Rentguard can help to simplify insurance arrangements, protecting their property, its contents and their liabilities.
We work with a panel of specialist insurers, all providing the same level of cover on a simplified common policy wording.
Policy Benefits:
Policyholders can benefit from a range of covers and services when taking out Landlord Insurance with us.
- A range of tenant and property types accepted
- UK-based customer service team to help with any queries
- A choice of quotes provided by leading insurers
- Inflation protection for buildings and contents
- Flexible excess options from Minimum policy excess is £100
View our policy documents for the full list of protection included with our Landlord Insurance.
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Who Qualifies?
We provide landlord insurance quotes to the UK private rented sector for a range of let types, including:
- Working
- Retired
- Students
- Those receiving Universal Credit or Housing Benefit
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A range of property types can benefit from our Landlord Insurance, including:
- Detached, semi-detached, and terraced houses
- Bungalows
- Flats
- Commercial and residential combined
What does residential landlord insurance cover?
A home let to tenants can face different risks to an owner-occupied home, which is why Landlord Insurance can provide more suitable cover.
Buildings cover
Our range of covers for residential let properties include:
- Fire, smoke, lightning, explosions, and earthquake
- Malicious damage and vandalism
- Theft and loss or damage caused by an attempted theft
- Escape of water or oil
- Storm, flood or weight of snow
Contents cover
Protection for landlord contents can also be provided with our Landlord Insurance:
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- Furniture, appliances, electronics, and clothing
- Fire, water damage, vandalism, and more
- Damage, theft, or loss
- High-value items such as jewelry or artwork.
Loss of rent and alternative accommodation costs
This policy can cover costs incurred if the property is untenanted following damage resulting from an insured event.
Loss of rent and alternative accommodation costs
This policy can cover the cost of replacing keys and locks or lock mechanisms to:
- External doors of the private residence
- An alarm protecting the private residence after the keys are lost or stolen.
Policy documents
View our policy wordings and insurance product information documents (IPIDs) for the full list of covers,
including the terms and conditions of this policy.
Our range of insurance products
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Landlord Insurance FAQs
We’ve put together a list of questions our team is typically asked, to help you find the answers you’re looking for.
Yes, landlords can insure multiple properties under one master policy and can take out cover with a single payment. Each property will also have its own individual policy reference number. This kind of policy for property portfolios is also known as multi-property insurance.
You can add or remove any new or existing properties on a pro-rata basis, as and when you require. When the time comes, renewing your portfolio can be a straightforward task, as all properties can be held under one annual renewal date. Insuring your properties this way may result in savings, both in terms of time and admin fees.
Although landlord insurance isn’t a legal requirement, many standard home insurance policies won’t cover you if something happens to your rental property. Therefore, specialist landlord insurance can provide more suitable cover. Plus, most buy-to-let mortgage lenders will ask you to take out insurance before your tenants move in. So, securing a tailored policy beforehand is a sensible move.
How much does landlord insurance cost?
There isn’t a fixed price for our landlord insurance. How much you pay can depend on the level of cover and various other factors, including:
- Your property type – the size and style of your property can affect the cost of landlord insurance. For example, your policy could cost more if you need cover for a 6-bedroom detached home instead of a 1-bedroom flat.
- Property location – some areas are deemed higher risk than others, which can inflate the price of landlord insurance.
- Rebuild cost of property – this is how much it would cost to rebuild your property from scratch. The higher the rebuild cost, usually means the more expensive your landlord insurance may be.
- Tenants – your tenants’ circumstances can affect the price. For example, if they are working, retired, students, or asylum seekers.
- Type of insurance cover – the more cover you require, the more expensive your policy could be.
- Levels of excess – if your policy has different excess levels, opting for a higher level of excess could reduce the overall premium.
If you need insurance for a commercial let property, take a look at our Commercial Property Insurance page. This cover can be suitable for: a range of different commercial types.
We can provide quotes for unoccupied properties, subject to various risk factors, such as how long the property has been unoccupied for and what the future plans are for the property.
Cover for fixtures and fittings, such as a fitted kitchen or a fitted bathroom, can be covered with your policy. You can read your policy wording to see what’s included.
Got a question not answered here? Visit our FAQs page or call us 0800 783 1626
Why choose Discount
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100,000
Over 100,000 individuals use us
In 2022, more than 100,000
individuals chose Rentguard for a
variety of products and services.
800
More than 800 agents place
business with us Rentguard
products are distributed through
more than 800 sub-brokers and
agents throughout the UK.
£27M
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Why you should join
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Our panel of leading insurers
We work with six leading underwriters to help provide suitable cover for landlords across the UK.
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