CIA Landlord Insurance
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Compare landlord insurance quotes from a panel of FCA-regulated UK providers, covering buildings, contents and loss of rent, in one quick form.
MultiQuoteTime is not affiliated with CIA. Quotes are provided by an FCA-regulated panel of UK landlord insurance providers.
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See how their cover and price actually stack up before you commit.
- ✓Buildings, contents and loss of rent cover
- ✓Named sub-limits for tenant damage and theft
- ✓Single property and portfolio options
- ✓Compare specialist UK insurers in minutes
Why Compare Landlord Insurance?
CIA Insurance Services has offered landlord insurance since the mid-1990s, alongside household and travel cover, and works with a panel of well-known insurers including AXA, Legal & General, Aviva, RSA, and Zurich. CIA also advertises a price-match guarantee, matching or beating a like-for-like quote found elsewhere, though it’s worth confirming the exact terms directly with CIA before relying on it.
Comparing quotes from a panel of specialist brokers we have access to lets you check CIA’s price and cover against the rest of the market, rather than taking a single provider’s own claims about value at face value.
If you’d like to see how other named providers compare too, our guides to Modus landlord insurance, Tesco landlord insurance, and Halifax landlord insurance cover three other well-known options.
Guide to CIA Landlord Insurance for UK Landlords
CIA Insurance Services was established in the mid-1990s and has grown into a landlord insurance provider with over two decades of experience, alongside household and travel insurance. Over the years, CIA has become strongly associated with landlord cover and is regarded as one of the more established providers in the UK market.
This guide highlights the features of CIA’s landlord insurance policy, so you can decide for yourself whether the type of cover on offer meets your requirements as a landlord.
Types of CIA Landlord Insurance Available
Like most insurance providers, CIA’s own marketing describes its service in favourable terms, claiming unparalleled customer service from qualified staff, and policies tailored to the individual landlord at competitive prices. Treat these as CIA’s own claims about itself rather than independently verified facts. The key products on offer for landlords include:
Landlords Building Insurance
Covers the structure of the rental property itself.
Landlords Contents Insurance
Covers items the landlord provides for tenants, rather than the tenants’ own possessions.
Landlords Flat Insurance
Cover tailored to flats and apartments, which can carry different considerations to houses, such as shared buildings.
Buy to Let Insurance
Cover aimed at properties bought specifically to rent out, often linked to buy-to-let mortgage requirements.
Cover for Tenant Damage and Theft Varies by Policy
CIA works with a panel of insurers rather than underwriting a single standard policy, so the exact level of cover for malicious damage and theft by tenants can vary depending on which insurer you’re placed with. Check the specific policy documentation for the sub-limit that applies to your quote before relying on a fixed figure.
How Much Does CIA Landlord Insurance Cost?
The scope of coverage in a landlord insurance policy can vary significantly between providers, which means the cost will also differ. Comparing policies on a like-for-like basis is the best way to identify the deal that actually fits your needs and circumstances.
Several key factors typically influence the cost of landlord insurance, including the type and location of the property, the level of coverage required, the rebuild value, and any additional protections you may need, such as loss of rent or liability cover.
Location or Postcode
A postcode linked to a higher crime rate typically costs more to insure than a similar property in a lower-risk area.
Unoccupied or Lived In
If the property is left unoccupied, you’ll need to consider short-term unoccupied house insurance, which typically costs more since the risk to the insurer increases.
Level of Cover
As with any insurance, more cover and a lower excess generally means a higher premium.
Claims Frequency
Regular claims are typically flagged as an additional risk factor, and generally cost more than a clean claims record.
Type of Tenancy
Letting to multiple occupants requires specialist HMO landlord insurance, which typically costs more than simple landlord insurance for single occupancy.
How Much Does CIA Landlord Insurance Cost?
The scope of coverage in a landlord insurance policy varies significantly between providers, which means the cost will differ too. Comparing policies on a like-for-like basis is the best way to identify the deal that actually fits your needs.
Several key factors typically influence the cost of landlord insurance: the type and location of the property, the level of cover required, the rebuild value, and any additional protections such as loss of rent or liability cover.
Location & Postcode
A postcode linked to higher crime rates typically costs more to insure than a similar property in a lower-risk area.
Unoccupied vs Lived-In
An unoccupied property carries more risk for the insurer, so it typically costs more. See our guide to short-term unoccupied house insurance if this applies to you.
Level of Cover
As with any insurance, more cover and a lower excess both increase your premium.
Claims Frequency
Regular claims are flagged as an additional risk factor, and typically increase what you pay compared to a landlord with no or fewer claims.
Type of Tenancy
Letting to multiple occupants requires specialist HMO landlord insurance, which typically costs more than standard landlord insurance for single occupancy.
CIA Landlord Insurance: What CIA Says About Itself
The points below reflect CIA’s own marketing claims about its service. Treat them as CIA’s stated position rather than independently verified facts, and confirm anything that matters to your decision directly with CIA.
Insurer Partners
CIA states it partners with insurers including AXA, Legal & General, Aviva, RSA, and Zurich.
Price Match Guarantee
CIA advertises a price-match guarantee, claiming to match or beat a like-for-like quote found elsewhere. Confirm the exact terms and conditions directly with CIA before relying on this.
Flexible Cover Options
CIA states that its policies can be customised, including your choice of excess, cover level, payment method, and optional add-ons, with the option to adjust your policy if your circumstances change.
Personalised Service
CIA states it offers a dedicated account manager and support team to help customers choose a policy.
Compare UK Landlord Insurance & Buy-to-Let Providers
CIA competes for landlord insurance business with other providers, including Tesco landlord insurance, Halifax landlord insurance, and Modus landlord insurance. It’s worth getting a range of quotes and comparing all available options before committing. Other providers worth checking include Post Office home insurance, Simply Business, and Aro.
MultiQuoteTime Ltd does not recommend any insurance company. Services offered by any provider may change over time, always check the current terms and conditions. The information on this page is for editorial purposes only and is not intended as financial advice.
