Legal & General Landlord Insurance
Compare Landlord insurance against leading insurers and see how much you can save!
Why compare landlord insurance with MultiQuoteTime?
In search of a total 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 growing number of insurers now offering landlord insurance policies, 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.
Guide to UK Legal & General Landlord Insurance
Legal And General Landlord Insurance is an insurance policy to cover a property owner from potential financial losses related to their property. It covers the building structure. It is also referred to as buy-to-let insurance.
Types of Landlord Insurance
Building Cover
This is the most basic type of insurance available with all providers of landlord insurance. This will cover your building’s structure expenditure and rebuild costs, aside from the actual property it often includes outbuildings and external walls and fencing.
Contents Cover
This optional element will cover the loss and damage to furniture and other property items. It will include all legal costs for the items inside the building when the worst happens.
Liability Cover
The Landlord liability insurance optional element cover helps with legal costs. When someone files legal claims against you, you can ask for assistance to cover the cost of litigation.
Home Emergency Cover
As the name Home emergency cover suggests, you can avail of this cover in an emergency example gas leakage, burst pipe or other home emergencies.
What does L&G landlord insurance cover in the UK?
This cover provides you protection for your rental property. There could be a number of reasons why a property might get damaged. This includes natural causes, acts of vandalism, theft, etc. Fortunately, Legal & General Landlord Insurance provides cover in all of these scenarios.
A cover of £5,000 is available for the costs related to tracing water or oil leaks inside the home. This is, again, a very common problem that you might face as a landlord. Coming to the contents, the insurance also covers accidental damage to the property items by your tenants. From a £1,000 cover for common parts to a cover of £750 for replacing locks, there is a lot that you can benefit from
Legal & General extra cover options:
You can always add additional covers to make a comprehensive package to meet with your specific landlord requirements. The follow extra elements are available with Legal & General
- Accidental damage cover to protect you from having to pay out for household accidents that require fixing.
- Legal expenses covering personal expenses for disputes that could end up in the courtroom.
- Keys cover: to help you replace keys and locks in your house in case of theft or loss.
- Rent cover: If the qualifying conditions are met, this will pay replacement rent money to the landlord for a fixed period of time, to enable the property to be restored to a state that it can be let out again.
What legal and General Landlord Insurance Does Not Cover?
Like other forms of insurance, limits apply to the coverage provided. For example, wear and tear is never included in any insurance policy. More specific to property, the following are examples of some claims that would not be covered under a standard policy.
- Maintenance expenses: For example, if the dishwasher breaks down, you will have to pay for its repair yourself. Similarly, if the boiler breaks down, the insurance company will not pay for repair costs.
- Tenant’s belongings: This cover does not extend to the possessions, for example, the tenant’s electronics, clothes, etc. The tenants need to take out a separate policy aimed at providing coverage for those that are renting out property or living in a shared house.
- If the insured event is reported 45 days after its occurrence.
- If the rental property is being used for any illegal purpose, no coverage will be provided.
Compare UK Landlord Insurance providers
If you are in the market for landlord insurance for one property or after multi property landlord insurance, finding the best deal will involve comparing the available deals on the market. It is important to also compare come renewal time, as some suppliers offer special deals to attract new customers. Some providers on your list should include Tesco landlord insurance, Aro, Legal and General Landlord cover and Modus Landlord insurance. Home insurance providers include Post office home insurance and John Lewis.
Legal & General Landlord Insurance provides an excellent cover to protect your rental property against potential risks, including damage, litigation, and loss of contents. The insurance assures you financial assistance when managing claims and repairing your property. If you want to compare landlord insurance, select Get Quotes below.
Landlord Insurance UK FAQs
MultiQuoteTime Ltd Does not recommend any insurance company. Services offered by this provider may change over time. Always check Ts&Cs. The information contained on this webpage is for editorial purposes only and not intended as financial advice
- Updated: 26 April 2025
- Reviewed by Eamonn Turley Insurance Expert