If you own a single property and let it out then getting a quote
online may be the simplest option for you. Our online price
comparison solution makes it easy for you to compare up to 11
different quotes and for you to tailor your own policy.
How to buy landlord insurance from YOUR Insurance
Common landlord insurance features
Our policies can include cover for the following:
- Buildings with contents
- Accidental damage
- Loss of rent
- Property owners liability
- Employers liability
So compare quotes and tailor your own policy
Need some landlord tips?
To make sure that you get the most from your insurance, you need
to make sure that you bear these things in mind when looking after
Keep your property in good condition
Most policies expect the owner to keep the building, fixtures
and fittings well maintained and in a good condition. For example,
you will need to ensure that you carry out regular inspections of
roofs and walls and regular certified testing of electrics, gas and
Damage caused by tenants
While a landlords policy will usually cover against malicious
damage to your property, it will not usually cover you for damage
caused by tenants. It is in your interest to make sure that you’re
happy with the tenants you choose.
Theft by violent or forcible entry
When a loss occurs due to theft it is usually a condition of the
policy that entry was gained to the premises through violent or
forcible entry. For example, you would be covered by your policy if
a burglar gained access by breaking a window, but if they simply
walked through an open door you wouldn’t be.
Empty properties are viewed as a higher risk by insurers. If at
any point your property becomes vacant you should contact your
broker, as not doing so may affect your policy.
Landlord insurance if you have more than one buy-to-let
As part of Europe's largest independently owned
insurance intermediary we are well placed to source you the
cheapest deal we can as long as your insurance
needs are met.
We can often offer you a number of quotes from various insurers
so you have a choice of prices and policy
benefits. In fact we have 11 insurers on our panel
as well as the ability to source policies from the open market.
Let us manage insurance for your portfolio
If you have more than one property, we can help reduce your
admin by adding them onto one policy. That means you pay
one premium and have one renewal
If appropriate, we can provide customers FREE Risk
Management Advice which may identify potential risks that
you are not aware of. Most importantly, we will pull out all the
stops to get your risks covered so you have peace of mind.
How to buy landlord insurance for your property portfolio
- To save you time, have all your
property details to hand, especially an accurate rebuild value, the
property postcode and the year the property was built.
- Call us on 0800 107 8949 and we
will start the quote process after you tell us about your
properties. We will then talk you through the policies available to
Advice for multiple property landlords
Being a landlord can be a highly profitable but often very
stressful business. From the legal obligations involved to
attracting the right tenants, there are many important factors to
contend with. However, ensuring you are familiar with your rights
and responsibilities is an essential measure and here we take a
look at some of the steps you should take in order to become a
Financial protection: As a landlord, it is your
responsibility to protect the building you own and the tenants who
live there and, as such, it is vital that you safeguard your
investment against a range of eventualities. You can achieve this
with landlord insurance, which provides cover for damaging events
and unpredictable expenses. Landlord insurance from YOUR Insurance
includes cover for the property’s contents (those that belongs to
the landlord), accidental damage, property owner’s liability, and
Tenant screening: To avoid potential problems
down the line, get to know your potential tenants by undergoing a
thorough screening process. There are several steps you can take to
feel confident that your property is in good hands, including
running credit checks, seeking references from previous landlords,
visiting them at their current property to inspect the state of
their home, or running a search online.
Property maintenance: If a problem arises at
the property that requires repairs, make sure you follow through on
what needs doing. If it is an emergency see to it immediately, if
not, arrange a convenient time with your tenants to come round and
inspect the damage. Once you have done this, schedule the repairs
as soon as possible, making sure you give the occupant notice.
Privacy: It is in your interest to create a
good working relationship between you and your tenants. Treat them
as you would like to be treated by respecting their privacy. As a
landlord, you cannot enter the property when the tenant isn’t
present, or without first gaining they’re permission. If you’re
concerned that your property may have become damaged, give the
occupant at least 24 hours notice before you make a visit.
Communication: Keeping open a solid line of
communication between yourself and your tenant needn’t mean taking
calls at all hours of the day. However, it is important that they
know how to get in touch with you, both as precautionary measure
and to make the tenant feel more comfortable in their new home. To
avoid calls to your house, make sure they have your business
number, as well as an email address you check regularly.
Our price guarantee on commercial property insurance
If you have been letting your commercial property and have been
claim free for 3 or more years we can offer you a cheaper
price than your existing insurance provider. This deal is
subject to underwriting criteria but if you qualify you
could save at least 5% on what you have been
quoted by your current provider for your renewal.
How to get this deal
- Call us on 0800 107
8949 and we go through the quote process with you.
- We may need to see your
Deal not right for you?
If your insurance requirements mean you don’t qualify for this
guarantee, we could still save you money on your
policy. Our team of insurance professionals will pull out all the
stops to get you the right cover at the right price.
Had trouble getting cover?
We will do our best to source you a policy which fits your
needs. Being part of Europe’s Largest Independent Insurance
Intermediary means we can source deals from lots of insurers.
For example you may own a property which is used for both
commercial and residential purposes (a flat above a shot for
instance). We can help source cover here.
If you have had trouble getting cover online,
then give us a call now on 0800 107 4885 and we
may be able to source you a great policy from other insurers who
sit outside our online panel.
Common insurance features for commercial property owners
Contents Cover: is available for communal areas
and landlords’ contents for both furnished and part furnished
properties, including furniture and carpets, against theft or
Accidental damage: typically, this would cover
you against accidental damage to underground cables or pipework and
also for landlords’ contents such as carpets.
Property owner’s liability
Employer’s liability: you’re protected in the
event of injury to any employees, such as cleaners, gardeners or
anyone taking out property maintenance work.
Vacant premises : empty properties are viewed
as a higher risk by insurers. If at any point your property becomes
vacant you should contact us (YOUR Insurance), as this may affect
Terrorism cover: If you would like to add protection
against damage caused by acts of terrorism, select this option as
one of your insurance cover requirements.