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Why compare Simple landlord insurance with MultiQuoteTime?
In search of a simple landlord insurance policy to protect your property? Then you’re in the right place. Whether you are a first-time landlord or manage multiple properties in a portfolio, landlord insurance can give you the peace of mind you need.
With the number of insurers now offering landlord insurance, it can be difficult to wade your way through all the options available. To help you in your search, MultiQuoteTime has partnered with Quotezone to provide access to an online comparison tool to compare multiple providers of landlord insurance quickly online.
Finding Simple Landlord Insurance
Finding Simple Landlord Insurance should not be difficult. If you are new to being a landlord, you will have your hands full performing credit checks on perspective tenants, arranging tenancy agreements. Then you have all the legal obligations, including gas safety and electrical safety checks. It can be overwhelming, and then you also need to consider the benefits of a simple landlord insurance policy.
Are you looking for simple landlord insurance to protect investment? You’re in the right place. Whether you’re after single property landlord insurance or multi property landlord insurance if you’re managing a large portfolio of investments.
What should a simple, no-nonsense landlord insurance policy include?
Whilst most insurance providers will let you build your own tailored insurance policy, the following elements should be the core of any simply landlord insurance policy.
What’s not covered?
If you will be leaving your property unoccupied for any length of time, check the terms, as you may need special cover for these extended periods, known as unoccupied property insurance or empty house insurance.
What types of landlord insurance policies are available in the UK?
Residential property insurance
This style of landlord cover is for landlords that manage residential rental properties. Typical rental properties include:
Commercial property insurance
Cover for any shop or commercial-style property. Examples of commercial property insurance include:
Buy to Let & Bed & Breakfast insurance
If you have a holiday home that you also let out for reward, you will need special cover referred to as holiday home let insurance or buy-to-let insurance.
Will simple standard home insurance be okay?
House or home insurance is for a property that you live in. If you are letting out a property, the risk of claims for damage is higher. As such, you need to take out specialist insurance termed landlord insurance. Apart from simple landlord insurance, you may need HMO insurance if your intention is to let your property to multiple occupants.
Whilst no landlord wishes to have an empty property on their hands, it does happen. If you are in that position, check your existing policy, as most will have a clause that only covers properties left empty for a short period, maybe as little as 30 days. If it will be left empty for an extended period, you will need to consider changing or amending your policy to unoccupied property insurance or empty house insurance.
How much is Simple Landlord Insurance?
Because of the many factors that are at play in working out the cost of landlord insurance, the average value of landlords insurance is not helpful. Instead, focus on the factors that determine a role in the perceived risk, some of which you can influence.
Can I add optional extras to a simple landlords insurance policy?
In addition to the simple landlord insurance to cover structural damage and fixtures and fittings, you will have an option of adding additional extras, all at an additional cost. Below, we have listed some of the additional element that you may wish to consider on to your base policy.
- Landlord Emergency cover – This is cover in the case of an emergency like a gas or water leak, this cover can help you get a qualified technician to secure the building. Before proceeding with any remedial work, make sure that you first get the consent of your insurance provider.
- Loss of Rent cover – if the property can not be let out as a result of damage, this type of cover you for the loss of rent. The cover is normally only valid for a fixed number of months or an agreed upper limit.
Can I add optional extras to a simple landlords insurance policy?
In addition to the simple landlord insurance to cover structural damage and fixtures and fittings, you will have the option of adding additional extras, all at an extra cost. Below, we have listed some of the additional elements that you may wish to consider adding to your base policy.
Landlord Emergency Cover
Landlord Emergency Cover – This covers emergencies such as a gas or water leak. It can help you get a qualified technician to secure the building. Before proceeding with any remedial work, make sure to get the consent of your insurance provider first.
Loss of Rent cover
Loss of Rent Cover – If the property cannot be let out due to damage, this type of cover compensates you for the loss of rent. The cover is typically valid for a fixed number of months or up to an agreed upper limit.
Legal expenses cover
Legal Expenses Cover – This is aimed at covering your legal costs if a dispute leads to court proceedings and you need to employ legal help. Legal fees can quickly mount up, so this cover should be considered to financially protect you. This additional cover will generally cover legal fees if someone takes you to court or vice versa.
Home Buyers Protection Insurance
Landlord or home buyers protection Insurance is a new style of policy that is aimed at helping the buyer recover any losses should a new property purchase fall through. The cost of living crisis has led to an increase in house sales falling through. Protection is available for as little as GBP 60 with Oops insurance.
What types of landlord insurance policies are available in the UK?
Residential property insurance
Commercial property insurance
Buy to Let & Bed & Breakfast insurance
What you need to get quotes at MultiQuoteTime.co.uk
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- Updated: 20 Jan 2026
- Reviewed by Eamonn Turley Insurance Expert