Whether you’re a new landlord or a seasoned investor, insurance probably isn’t your favourite part of the job. But it’s one of the most important. Before you rush into a policy that seems like a good deal, here are 5 things you should seriously consider:

Know What “Landlord Insurance” Actually Means

Landlord insurance isn’t just one thing—it’s a bundle of covers tailored for rentals. At minimum, you want buildings insurance (to cover the bricks and mortar), but you should also consider:

  • Contents cover (if it’s furnished)
  • Public liability cover
  • Loss of rent protection
  • Legal expenses
  • Rent guarantee insurance

Don’t just go for the cheapest—go for what actually protects you.

Not All Tenants Are the Same (And Insurers Know That)

Student? Professional couple? DSS tenants? Your tenant type matters when it comes to policy terms and pricing.

Some insurers won’t cover certain tenant types—others might charge more. A good broker (like us 😉) will make sure your policy fits your exact situation without overcharging you.

You Might Need Extras You Didn’t Think About

Ever thought about what happens if your tenant stops paying rent for 3 months? Or if you have to evict them? Standard policies don’t usually include that.

But rent guarantee and legal expenses add-ons can save you thousands. They’re not always expensive either. Ask us what’s worth adding based on your setup—we won’t oversell, promise.

Cheap Cover Can Be… Risky

We all love a bargain, but super-low premiums often come with strings:

  • High excesses
  • Hidden exclusions
  • No claims service you can actually get hold of

We’ve taken on so many landlords burned by bad policies. The right cover at a fair price is what really matters.

You Don’t Have to Figure This Out Alone

Confused by jargon? Not sure what “loss of rent due to perils” even means? You’re not alone—and you don’t have to be.

We’re real humans who speak plain English, get cover sorted fast, and make sure you’re not under- or over-insured.

Ready to Sort Your Landlord Insurance?

✅ Tailored quotes
✅ Fast service
✅ Real people
✅ Real cover

Call us today on 0161 388 2543 to get your free quote! We’ll get your property protected before the next tenant moves in.