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Landlord insurance gives peace of mind that your investment property is protected against unexpected events. Compare landlord insurance quotes and get the cheapest deal with CIA Landlords.
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Why CIA Landlord Insurance?
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What is landlord insurance?
Landlord insurance is a policy that financially protects landlords from risks associated with renting out a property. Also known as buy to let insurance, it usually covers for physical damage to the property and protects against liability claims from tenants or other third parties.
There are various optional extras for landlord insurance policies, such as loss of rent cover, malicious damage and property owners' liability. An insurance broker like CIA can help you decide what level of cover you need.
Providing tenants with a property to live in is a big responsibility. To enjoy the peace of mind that your rental property is protected, choose CIA Landlords for a great deal for the cover you need.
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What does landlord insurance cover?
You can tailor your landlord insurance policy depending on what you'd like to be covered for. The more cover you include, the higher your policy premiums will likely be. The different levels of cover you can choose from include:
- Buildings only
- Buildings & contents
- Contents only (not including your tenant's belongings)
- Fixtures and fittings
- Full accidental damage
- Loss of rent
- Alternative accommodation
- Property owner's liability
- Unoccupied property cover
- Legal protection
- Malicious damage caused by tenants up to a maximum of £5,000
- Theft by tenants up to a maximum of £5,000
Optional Extras
- Malicious Damage & Theft By Tenants
- Trace & Access Cover (most policies)
- Landlord Legal Expenses
- Legal Expenses
Do I need landlord insurance?
While it's not legally required to have landlord insurance, many mortgage lenders may require it as a condition of the loan. A conventional home insurance policy does not offer the appropriate cover for a buy-to-let property. Whether you decide to rent out the property short or long-term, landlord insurance is strongly recommended to protect your investment.
Ensure you have the appropriate landlord insurance before your tenants move in for peace of mind that your financial future is secure.
Our expert says...
"Being sufficiently covered with landlord insurance doesn't need to be expensive and without it, landlords are putting themselves at risk of financial loss and legal issues. We can advise you on getting the best policy for your property and help you find cheap landlord insurance."
Richard Wayman - Finance General Manager
How much does landlord insurance cost?
There is no one-size-fits-all solution to landlord insurance, therefore costs can vary from policy to policy. That's why we always recommend that you compare landlord insurance quotes to find the best deal. The cost of landlord insurance depends on the following:
- The level of cover you take out - the more you cover, the more expensive your premiums are likely to be
- The location of your property - insurers will take factors such as crime rates into consideration
- The size and age of your property - these factors have an impact on the cost of potential repairs
- The type of tenancy agreement that you have
- Your claims history - like with other insurance types, if you have made a previous claim then your premium will raise
- How you decide to pay - paying annually works out cheaper than paying monthly
We guarantee that we will never be beaten on price
If you find a like-for-like quotation cheaper anywhere in the UK market, we will match or beat it.
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- Online quote in minutes
- Compared against 9 leading insurers
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Why choose CIA Landlords?
Independent As independent insurance brokers, we can offer a more personal service and you can chat with our experts about your cover. Speak to real people, not chat bots.
Accurate quoting We can make a whole of market comparison to find you the best landlord insurance deal. The big names such as MoneySuperMarket and Comparethemarket only compare quotes from a select few insurers.
Tailor made policy You can compare landlord insurance policies like for like and tailor add-ons to your needs. With no hidden fees, we are happy to update your policy whenever you need.
Price guarantee We guarantee that we will never be beaten on price. We are specialists in low cost landlord insurance.
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What our customers are saying about our landlord insurance From first time landlords to experienced letting agents
Using CIA for many years I've used CIA for many years now as a broker for my insurance and have no complaints. Staff are always friendly and helpful. Deborah King 06 July 2023
CIA make everything easy CIA make everything easy with decent prices and simple purchase and renewal of policies. Who wants anything more - they just get on with it. What a refreshing change! Roseann 04 July 2023
Great company Catherine was very helpful. Great communication. Great company, great price and great agents. Ten out of ten! I wouldn’t use anyone else. William McCullen 22 June 2023
Flat block insurance As a comparison to other insurance intermediaries: - Able to quote immediately when others take upto 24 hours. - Always remember and offer competitive renewals quotes - Easy and quick to speak to someone Overall very good and keep up the good work. Nick Lucas 13 June 2023
Very good friendly, professional team, offering competitive renewal. Very good, friendly and professional team. Friendly and thorough. Very competitive renewal quotes. Martin 02 May 2023
Exceptional staff Phil who dealt with my renewal was superb; very patient, knowledgeable and friendly! Thank you! Kirsty Bundy 27 April 2023
Brilliant CIA Insurance Team customer service When I called CIA Insurance today, the customer service team answered quickly so I was not left waiting on the phone or press numbers for various departments. I explained briefly what I needed and was helped professionally and efficiently by David. He was very knowledgeable, helpful and explained things clearly and effectively. Just what i needed without the waffle. Julie james 27 April 2023
Use CIA for our buy to let portfolio Use CIA for our buy to let portfolio. Great service and prices. The staff are always well informed and a pleasure to deal with Alan Doyle 24 April 2023
I have been using CIA Insurance for a… I have been using CIA Insurance for a number of years for Landlord Insurance. They are always knowledgeable, efficient and usually offer the best cover for the best prices. This year I was helped by Jordan, she was so quick at making the adjustments and requoting it made a dreaded process so much easier. Thanks Jordan Primary Reactive Ltd 19 April 2023
My query was very quickly dealt with My query was very quickly dealt with. Lauren was knowledgeable, efficient and gave very good customer service. I can't believe I managed to get insurance sorted in 20 mins. Excellent. Would recommend. Thank you. Joshua Giulianotti 31 March 2023
Highly recommended service I'm very impressed with CIA insurance for my let property. Everything is clearly explained, reminders come in good time, price increases are reasonable, and their call centre staff are a pleasure to deal with. An excellent experience overall. Highly recommended. Andrew Moore 31 March 2023
So easy and straightforward So easy to renew. It took less than 5 mins. You also contacted me regularly to remind me which I greatly appreciated. Peter Reilly 30 March 2023
How to get cheaper landlord insurance
Getting cheaper landlord insurance doesn't mean you have to compromise on the protection you need. There are numerous ways to reduce your premium.
Take security measures
Strong locks, CCTV and alarms are likely to deter thieves and reduce the risk of criminal activity at your property. Insurance providers will offer a cheaper quote if they see there is a lower risk.
Raise your excess
Voluntary excess is the amount the landlord pays towards a claim. A higher excess can decrease the premium, although the excess should be at a price you can afford.
Keep your properties occupied
An empty property is seen as a bigger risk to insurance providers, so try to limit gaps between tenants.
Take out one policy
Combining multiple types of cover into one policy can be cheaper than buying them separately.
Consider tenant type
Different tenants pose different levels of risk. For example, your policy may be more expensive for students compared to professionals.
Compare policies
There are many providers out there offering various packages. CIA Landlords can compare landlord insurance policies to find you the best deal.
Frequently Asked Questions
The best landlord insurance should include the option of buildings only, buildings and contents, fixtures and fittings with or without contents or contents only insurance. This will include loss or rent cover and property owners liability, together with cover for all standard perils. You should also be able to add legal costs to the policy for an extra premium.
Some landlord policies will only offer very basic cover and will charge more for loss of rent cover, property owners liability and some standard perils. Here at CIA, all our policies offer the higher levels cover available with no additional charges.
Documentation is usually emailed to you within 48 hours but we are happy to post out hard copies upon request. All of our policy booklets are available online and a link will be provided in your welcome pack.
None of our policies are automatically renewed, we will contact you 25 days prior to the renewal date with our renewal quotation with follow up notifications and ask you to contact us if your wish to proceed.
You may cancel your policy at any point by sending us emailed confirmation, contacting us post, or calling customer support service on 01788 818 600.
This will cover you in the event of Loss of Rent and/or alternative accommodation should your property become uninhabitable due to an insured peril covered by the policy, eg Fire, Flood.
If your property becomes vacant mid-term, whether your insurance policy is affected or not will depend on a number of different factors. Contact our customer service department when you know your tenants are moving out and let us know what your intentions are for the property, we will then advise you on how this affects your insurance.
When documentation is issued at inception and renewal we will provide a Statement of Price this will show the amount paid and a full breakdown of any other fees charged.
Property Owner Liability is standard on all of our policies, this will cover the Landlord as the legal owner of the property for any damages, claimant costs and expenses in the event of accidental death, bodily injury, illness, disease or accidental loss or damage to property.
The liability cover on your policy will insure you for any amounts you become legally liable to pay as damages and claimants costs for bodily injury, including death and disease and damage to property caused by an accident at the premises.
If your policy includes free white goods cover then any freestanding washing machines, fridge-freezers, cookers, tumble dryers & dishwashers that you have left for your tenant to use, will also be insured for all the perils that are listed under the buildings section of your policy.
No, unfortunately we are unable to increase cover at the end of an unoccupancy clause. If the property remains vacant, cover is reduced and then increased when the property is re-tenanted.
An interested party is any other person or organisation with a financial interest in the property, such as a mortgage provider.
An interested party – also known as an ‘additional interest’ – is a person or company other than the named insured on an insurance policy, which has an insurable interest in the person or property that the policy covers.
Yes, all policies are quoted and proposed on a variety of different factors, one of those being the tenant type. If the current tenant’s situation changes and they become a different tenant type, you will need to make us aware.
We will just need to ask you a couple more questions in order for us to know how to class your tenant. Our insurers each have their own guidelines so this quote would be completed on the phone. To discuss the details, call us on 01788 818 670.
Our landlord insurance policies, where buildings are insured, include Property Owners Liability and where contents are insured include Contents Liability, so if the tenant is injured or contracts a disease due to the insured property and/or contents you would be covered.
Employers Liability covers you for any damage caused to the property or to an individual by someone who is employed by you to work at the rental property under a PAYE agreement. The type of employee may be a cleaner or a gardener etc.
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