Tesco Landlord Insurance

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Guide to Tesco Landlord Insurance

“The insurance side of Tesco started in 1997 through a partnership with the Royal Bank of Scotland. The partnership specialises in providing car and home insurance, alongside financial products. Tesco currently has a Defaqto rating of 5 stars. Tesco is better known by most as one of the UK’s leading supermarket chains. Like its competitors, it expanded into the banking and insurance markets with a range of products, Tesco Home Insurance being one of the most popular products with its customer base. Tesco Bank now offers a range of insurance services, including Tesco Bank car insurance and the popular insurance for budget-conscious drivers known as Tesco black box insurance, without curfews. Tesco is always looking at ways to improve its services, and Tesco temporary car insurance may become available in the near future.”

Currently, Tesco does not offer Landlord insurance, but this type of cover can be provided by a host of other specialised landlord insurance brokers.

Whilst Tesco does not offer landlord insurance, they can provide house contents and buildings insurance for homeowners that live in the residence.

Coverage options with TESCO Bank landlord insurance

Landlord Insurance

Coverage available for landlords will normally comprise the following elements. It is important to be aware that landlord insurance is not a legal requirement, but it will provide you with financial protection against your rental portfolio. The average cost of landlord insurance makes it affordable and if you have a secured loan, most providers will make it a loan requirement to have buildings insurance

Buildings cover: This will cover the rebuild costs, and plays an important role in arriving at your premium. It is important that the rebuild cost is sufficient, but the higher the rebuild cost, the higher the cost of landlord insurance.

Contents cover: If the property is furnished, contents cover can provide protection for the furniture, appliances, and fixtures.

Legal liability: This will cover your legal costs should something become contested and require legal intervention to resolve.

Accidental damage: This covers damage to your property or contents caused by accidental damage caused by you or your tenants.

Loss of rent: This option provides you with compensation for lost rental income if the property becomes uninhabitable due to damage.

Landlord liability: This cover protects against claims from the tenant for injury or illness resulting from your failure to properly maintain the rental property.

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How can I get a better deal on landlord Insurance?

Getting the best deal on any insurance policy depends on the level of risk you pose. Some factors, such as the property’s postcode, are fixed. However, you do have control over others. Below, we have listed some of the key factors to consider.

Choose tenants wisely

If you select the wrong tenants, that can lead to a nightmare situation. It is very important that the tenants are professionally vetted by an agency.

Increase the excess

Take more responsibility for any claim by agreeing to a higher excess with the insurer in return for a cheaper quote.

Increase security

This will deter break-ins and should also help reduce the overall cost of your insurance. Simple steps such as installing an alarm and improving door and window locks.

Combine insurance polices

Consider using one insurance provider for all of your policies, as this can lead to savings.

Maintain your property

Keep maintenance up to date and ensure all appliances are serviced regularly. Taking preventive measures will reduce the risk of emergencies and associated insurance claims.

Compare options

Obtain multiple quotes from a range of insurance providers, compare their terms and conditions, and pay close attention to what is included or excluded.

Get landlord insurance quotes now!

As the name suggests, we are able to provide you access to multiple Landlord insurance quotes. These are provided by a panel of specialist insurance providers selected by SEPOA. The Panel can tailor the policy to meet your unique needs. Simply click the Get Quotes option below and fill in a quick form to get access to multiple quotes. Then all you have to do is pick the best one!

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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. While TESCO landlord insurance is not available, many other specialist providers exist, including ARO Landlord insurance and AVIVA Landlord insurance, among others.

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: 25 Feb 2025
Reviewed by Eamonn Turley Insurance Expert