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Whether you let a single buy to let property or manage a portfolio of homes, compare landlord insurance quotes from specialist UK providers. One form covers buildings, contents, loss of rent and overseas landlord insurance options.

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Landlord Insurance Average Cost Guide for UK Landlords

Like any insurance product, the price is not fixed, but depends on a number of factors or variables. Landlord insurance will be more expensive than owner home insurance, as having tenants will pose more risk to the property. It is also important to note that it is not compulsory, unless you have a loan and the loan provider mandates that you have cover in place.

Some factors that determine the cost will be out of your control, one example of this is the postcode of the property. The biggest determining factor is the price of the property and the amount of cover required. A starting figure for a base policy in 2023 is circa GBP195 per annum. This article will look further into the factors that determine the cost of landlord insurance in the United Kingdom.

Cost Guide 2026

How Much is Landlord Insurance in the UK?

Landlord insurance pricing is not fixed. A wide range of factors influence what you will pay and understanding them helps you compare quotes more effectively and avoid overpaying.

The following information is provided as a general market guide only. Actual premiums vary significantly depending on your individual circumstances. This is not a personal recommendation. Always compare quotes to find the right cover and price for your specific property and situation.

What Affects the Cost of Landlord Insurance?

These are the key factors insurers use to calculate your landlord insurance premium.

Property Type and Construction

Standard brick built properties attract lower premiums than non-standard construction. Thatched roofs, timber frames, flat roofs and listed buildings all carry higher risk ratings and will cost more to insure.

Property Location

Your postcode directly affects your premium. Properties in areas with higher rates of subsidence, flooding or crime will cost more to insure. This is a factor largely outside your control but worth understanding when purchasing a buy to let.

Tenant Type

Who occupies your property significantly affects your premium. Professional tenants are typically the lowest risk rating. Students, DSS or housing benefit tenants and short term holiday let guests all carry a higher risk profile and will result in a higher premium.

Rebuild Value

Buildings insurance is calculated on the rebuild cost of your property, not the market value. Overestimating means you overpay on premium. Underestimating leaves you underinsured. The Royal Institution of Chartered Surveyors provides a free rebuild cost calculator to help get this right.

Level of Cover

Buildings only cover costs less than a combined buildings and contents policy. Adding loss of rent, legal expenses, malicious damage by tenants or rent guarantee cover will each add to your premium. Only pay for the cover you genuinely need.

Claims History

A clean claims history typically results in a lower premium. Previous claims, particularly for water damage, subsidence or malicious damage, will be taken into account by insurers when calculating your renewal or new policy price.

Did you know? Landlord insurance is not a legal requirement in most cases, but many buy to let mortgage lenders require it as a condition of the loan. Even where it is not mandatory, it provides essential financial protection against risks that standard home insurance will not cover including tenant damage, loss of rent and public liability claims from tenants or visitors.

Save on Your Premium

How to Reduce Your Landlord Insurance Premium

These practical steps can help you get a more competitive premium without reducing the cover you need.

Compare at Renewal

Never auto renew without comparing. Insurers often reserve better pricing for new customers. Comparing quotes each year is the single most effective way to control your premium.

Increase Your Excess Voluntarily

Agreeing to pay a higher portion of any claim yourself typically reduces your annual premium. Only do this if you are confident you could cover the excess amount if a claim arose.

Pay Annually

Paying your full annual premium upfront rather than monthly usually works out cheaper overall as monthly payments often include an interest or admin charge.

Only Cover What You Need

Review your policy add-ons carefully. If your property is always occupied and loss of rent is unlikely, removing that element of cover may reduce your premium without leaving you meaningfully exposed.

Improve Property Security

Fitting approved locks, alarms and smoke detectors can positively influence your premium. Some insurers will ask about security measures as part of the quote process.

Portfolio Policy for Multiple Properties

If you own more than one rental property, insuring them all under a single portfolio landlord policy is often more cost effective than managing separate policies for each one.

Property Types Covered

Type or Style of Property

Property within the UK falls into different risk categories. A good example is a property with a thatched roof will be a higher risk and as such attract a higher premium. The main categories are listed below.

Flat Insurance

Single flats, maisonettes and flat blocks

Landlord insurance for a single flat or apartment which is typically 1 or 2 bedrooms will in general cost less than a typical house landlord policy. If you have purchased a block dwelling with multiple dwellings, a block of flats or a maisonette, expect to pay more for block of flats insurance, the cost being based on the size and location of the flat buildings.

This type of policy is popular with residents associations and residents management companies that are tasked with the management of flats and flat blocks.

More Than One Property

Multi property landlord policies

The cost of multiple property landlord insurance will depend on the number of properties. This type of policy has a few advantages, aside from keeping all paperwork under one policy, the insurance company should also give a discount as additional properties are added.

Non-Standard Property

Thatched, listed and flood risk properties

For properties termed as non-standard, the cost will vary based on the non-standard category. The main categories are:

Property with a thatched roof
Listed buildings
Buildings at risk of flooding

Commercial Property

Business buildings insurance

Commercial landlord insurance pricing is largely determined by the type of business using the property.

Type of business renting the property (retail shops, office space, restaurants, warehouses or factory)
Rebuild costs of the commercial property
Buildings location

HMO Properties

House in multiple occupation insurance

HMO or house in multiple occupation insurance pricing will be determined by a number of factors:

Size of HMO buildings
Number of occupants
Where the property is located
The type of tenant will also be important. The main tenant types include students, professionals, DSS and Airbnb
The type of rental property, shared house, loft, or a house converted to bedsits

The Type of Occupants Can Play A Significant Role

The type of occupant or occupants will also play an important role in arriving at cost. It is worth noting that an unoccupied property is considered to be different in terms of risk in comparison to an occupied property. If you are a landlord, the goal is to have your property generating return on your investment. However, be aware if the property becomes unoccupied for an extended period, for example between tenancies, the standard cover may become invalidated.

Style	Assumed Rebuild Cost	Annual Premium
Detached	£200,000	£170 plus
Semi Detached	£200,000	£155 plus
Flat/Apartment	£200,000	£165 plus
Terrace	£200,000	£155 plus

Landlord Mandatory and Non-Mandatory Costs

Fixed Overheads	Description	Mandatory
EICR	Electrical Safety Certificate Cost UK (EICR)	It has been a legal requirement since 2020
Landlord Gas Safety Certificate CP12	A CP12 certificate or gas safety certificate is issued to the owner of a property after a complete gas safety check has been carried out by a qualified technician.	Yes, must be carried out at leats one per year for all fixed and non-fixed gas appliance
EPC (Energy Performance Certificate)	EPC rating was introduced in England and Wales in 2007, and the document is always one of the requirements when selling or letting a property.	Yes every 10 years

Landlord Insurance FAQ’s

Will regular home insurance cover me?

Regular home insurance is not designed or robust enough to provide cover when you let out a property. When you don’t live in the property, small issues can go unreported until those small problems lead to expensive repairs. Without landlord cover, you will be liable for these costs, and if the tenant claims for injury or illness, you could then be held liable for a very large monetary amount.

Which landlord insurance providers have the best reputation in the UK?

Well-regarded landlord insurance providers in the UK include Aviva, Direct Line for Business, AXA, LV, NFU Mutual and specialist landlord insurers such as Homelet and Rentguard. Reputation matters but the most reputable insurer is not always the right fit for your property type or portfolio size.

Rather than choosing on brand name alone, compare what each policy actually covers particularly around loss of rent, malicious damage by tenants and alternative accommodation cover. A comparison through MultiQuoteTime lets you see cover levels and prices from multiple providers at once.

Which landlord insurance has the best claims service?

Claims service quality varies between insurers and is one of the most important factors to consider when choosing landlord insurance. Insurers consistently rated well for claims handling in the UK landlord market include Aviva, AXA and Direct Line for Business, though experience varies by claim type.

When assessing claims service, look for 24 hour claims lines, a dedicated landlord claims team, clear timelines for assessment and settlement, and whether alternative accommodation costs are covered while a claim is being resolved. Independent review platforms such as Trustpilot and Defaqto ratings can give you a steer on real-world claims experiences.

Which landlord insurance offers the best renewal terms?

Renewal pricing is one of the biggest issues UK landlords face. Many insurers offer competitive first-year premiums but significantly increase prices at renewal, particularly if a claim has been made. The best approach is to compare the market at renewal rather than accepting the auto-renew price.

Some specialist landlord insurers including Homelet offer loyalty pricing and fixed-rate renewal options. Portfolio landlords with multiple properties often find that a single policy with a specialist broker gives more stable renewal pricing than separate policies with high-street insurers.

I want landlord insurance with flexible cover — what should I look for?

Flexible landlord insurance means a policy that can adapt to changes in your property portfolio without needing to cancel and restart. Look for policies that allow you to add or remove properties mid-term, change tenant types without a full reapplication, adjust cover levels at renewal without penalties and include optional add-ons like rent guarantee or legal expenses.

Specialist landlord insurance brokers tend to offer more flexibility than high-street insurers. If you are growing a portfolio, a broker who can place all your properties on a single schedule is significantly more flexible than managing separate policies for each one.

does a landlord have to have an electrical safety certificate?

A landlord is legally required to have an electric safety certificate, the certificate must be renewed every 5 years in the UK. The inspection must be carried out by a qualified and competent person or company who are authorised to issue the required safety certificate.

Do you need landlords insurance by law?

Landlord insurance is not required by law. However, if you have a loan on the property, it is most likely to come with a condition that you have buildings insurance and overall adequate protection.

Are landlords responsible for pest control?

The landlord will be legally responsible for dealing with pest control, should it be an issue. This is covered in the contract with a clause that sates that the landlord must keep a property safe and habitable for tenants. However, if the cause of the pest is deemed to be the fault of the tenant, then it is the tenant that will be held responsible.

How much is monthly Landlord Insurance?

The average cost of landlord insurance per month in the UK is under GBP15 per month, but that is an average across different property types and prices. Many factors will determine the final cost. Fo those that multiple properties, a multi property landlord insurance may work out cheaper than having separate policies. Multi policies normally work by giving a discount as you add more properties, but always compare all options.

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Reviewed by: Eamonn Turley, Insurance Specialist