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Landlord insurance could be cheaper than you think. Prices from just £155.
10% of new customers paid £155 or less for their buildings cover Jun '23 - Nov ‘23.
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What does Landlord insurance cover?
- Protect your building against fire, storm, flood and subsidence up to £1m
- Accidental damage, vandalism and theft by your tenants covered as standard.Background checks on tenants will be required
- The property's damaged and can't be lived in? We'll cover the loss of rent or cost of alternative accommodation
- Protect what's yours, like carpets, furniture and white goods with a choice ofcontents coveravailable (up to £10,000/£25,000/£50,000)
- Your legal liability as a landlord covered up to £5m. Good to know!
- We'll cover the cost of finding your leak and repairing any damage caused in gaining access to it (up to £5,000)
- We'll pay up to £5,000 for electricity/gas/water if someone occupies your property without permission
- Keys lost or stolen? It happens. We'll replace your locks so you're secure again in no time
Leasehold flat owner? We offer Contents Only cover if you’re not responsible for insuring the building
Why choose LV= Landlord insurance?
- Customers buying online receive a 5% discount, excludes Landlord Legal Expenses. When more than one discount is relevant, each is applied individually.
- 12-month guarantee on repairs when you use our recommended repairer service
- 24-hour legal helpline to help you with any property disputes
- 10% discount on your landlord insurance if you already have car or home insurance with us
Standard home insurance doesn’t cover rental properties, so you need tailored buy to let insurance like our landlord insurance
Compare our Landlord Insurance policy
The cheapest landlord insurance may not always offer the right cover. See how our landlord insurance compares...
| Landlord Insurance Provider | LV= | Direct Line | Saga | More Than | Axa |
|---|---|---|---|---|---|
| Level of cover used for comparison | Landlord insurance | Landlord insurance | Landlord insurance | Residential insurance | Landlord insurance |
| Buildings accidental damage | Standard | Optional | Standard | Standard | Optional |
| Loss of rent | £50,000 | Optional | 20% of buildings sum insured | Optional | Optional |
| Property owner's liability** | £5 million | £2 million | £2 million | £2 million | £1 million |
| Theft by tenants cover | Standard | Optional | Standard | Standard | Standard |
| Vandalism by tenants cover | Standard | Optional | Standard | Standard | Standard |
| Contents accidental damage | Standard | Optional | Standard | Standard | Optional |
| Legal Expenses | Optional | Optional | Standard | No cover | No cover |
| Rent Guarantee | No cover | Optional | No cover | No cover | No cover |
| Landlord Insurance Provider | LV= | Direct Line | Saga | More Than | Axa |
|---|---|---|---|---|---|
| Level of cover used for comparison | Landlord insurance | Landlord insurance | Landlord insurance | Residential insurance | Landlord insurance |
| Buildings accidental damage | Standard | Optional | Standard | Standard | Optional |
| Loss of rent | £50,000 | Optional | 20% of buildings sum insured | Optional | Optional |
| Property owner's liability** | £5 million | £2 million | £2 million | £2 million | £1 million |
| Theft by tenants cover | Standard | Optional | Standard | Standard | Standard |
| Vandalism by tenants cover | Standard | Optional | Standard | Standard | Standard |
| Contents accidental damage | Standard | Optional | Standard | Standard | Optional |
| Legal Expenses | Optional | Optional | Standard | No cover | No cover |
| Rent Guarantee | No cover | Optional | No cover | No cover | No cover |
*Data effective as of September 2023
**Direct Line: £2M default – option to increase up to £10M, Morethan: £2M default – can choose £5M
Landlord insurance FAQs
We can’t insure you if:
Property owners' liability covers you in case a third party is injured in your property. So as the landlord, you'll be covered under your landlord insurance for the cost of any claims or damage caused.
Yes. Landlord insurance will cover you for up to £50,000 if your tenants are unable to pay, or your property is left uninhabitable due to fire or flood damage. That's peace of mind!
Our policy doesn't cover wear and tear as it's unavoidable and caused by general use over time. Typical examples are:
Yes, accidental damage is covered as standard.
More about LV= landlord insurance
For £50 or lessPick and choose from our handy optional extras
Legal expenses cover
For £30or lessBy adding this cover to your landlord insurance policy, you can rest assured that you're covered up to £100,000 for legal expenses with no excess to pay to help you, including tenant disputes. Find out more about our landlord legal expenses cover.Landlord home emergency cover
This additional cover means that we’ll organise and pay for an approved tradesman to provide emergency assistance and repairs costing up to £1,000 per emergency with no excess - from heating to roofing and even pest infestation. Find out more about our landlord home emergency cover.
You can get this and other documents from us in Braille, large print or audio bysending us an email Landlord insurance terms and conditions (PDF, 385KB)Landlord insurance product information document (PDF, 454KB)Landlord legal expenses (PDF, 136KB)Landlord home emergency leaflet (PDF, 169KB)Landlord insurance limits and cover (PDF, 356KB)How we use your personal informationLandlord insurance policy documents
What do I need to know about Landlord Insurance?
What is landlord insurance?
Landlord insurance protects landlords and their properties from things like loss of rental income, property damage and legal expenses. Specific landlord insurance is different to home insurance, and provides specialist cover for those renting out a property.
Do I need landlord insurance?
Although it's not a legal requirement, if you're a landlord and let a property to renters, you should have specific landlord insurance. This kind of cover protects you and your property in a way that standard home insurance doesn't.
What factors affect our landlord insurance quote prices?
Sometimes the cheapest landlord insurance isn’t the right home insurance. Lots of things can influence the price you pay, here’s what we look at:
There are seven main factors that affect the landlord insurance price we're able to give you:
- The post code of your property. Typically, if your property is in an area which is prone to flooding, you may be more likely to make a claim
- The type of tenancy you have.We'll take into account information relating to the type of tenancy you have.
- The type of building you own. The more rooms and bedrooms in your property, the higher the cost will be to re-build your home or replace your belongings
- The costs of repair and labour. It’s getting more expensive to fix hi-tech items, which can increase the cost of landlord insurance.
- Government initiatives.Changes introduced by the government can sometimes have an effect on your landlord insurance price. For example, theFlood Re scheme, introduced in 2016, is designed to help people living in flood-risk areas.
- The number of claims being made.If the number goes up, due to things like extreme weather events, this could mean the costs to insure your property could go up.
- Severe weather.We assess the likelihood of severe weather conditions happening in the future and how many of our customers may be affected.
To find out more about these factors, read our guide tohow we work out the cost of landlord insurance.
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We have a few home insurance options which may suit what you're looking for...
Buildings insurance
Only need buildings insurance? We've got it sorted. You can get a buildings only policy with us, and you can tailor it to suit you.
Buildings insurance
Contents insurance
Looking for contents only? No worries, we can cover just your contents, plus you can tailor your insurance with a range of optional extras.
Contents insurance
Tenants insurance
Maybe you rent your home? We can help you there too. Our tenants insurance covers what's important to you.
Tenants insurance
