Where can I find details of the price beater guarantee?

You can find the terms and conditions for our price beater guarantee here .

Can I insure any type of property?

We accept self-contained dwellings let to single occupants, couples, bed-sit accommodation with shared facilities, and houses in multiple occupations (HMOs) (read more in our article: what is an HMO? ) . We can also insure most commercial and part-commercial let properties at competitive rates. Quotations for commercial let properties are not currently available online, please phone or email us. Hostel and B&B type properties, care homes, nursing homes, and properties catering for specific disadvantaged, vulnerable, or problem occupants cannot be insured on the scheme policies, but we may be able to offer a quotation on an individual basis.

Can I insure my buy-to-let properties if I have had previous claims?

Occasional claims are acceptable at normal terms. When you request an online quotation you will be asked for details of relevant claims.

Do I need landlord's contents insurance if I let my properties on a part-furnished basis (e.g. with carpets, curtains/blinds, and domestic appliances)?

No, such items are automatically included within the definition of ‘buildings’ in our landlord policies. There is no need to arrange separate landlords contents insurance in these circumstances.

How do I know the rebuild cost of my let property?

You can get guidance on rebuild costs on the BCIS website, but you should seek professional advice if unsure of the correct figure. We can assist you with calculating rebuilding values for straightforward properties.

What about injury to tenants and other people?

You are covered for legal liability to third parties up to £5m for any one incident, this is landlords liability insurance.

What type of tenants are acceptable?

Provided your tenancy agreement is directly with the tenant; unemployed persons, students, and those receiving housing benefit/allowance are all acceptable.

Will my cover continue when the tenant moves out?

Full cover will operate for a period of up to 90 days, subject to you taking certain precautions. Please refer to the Summary of Cover or Specimen Policy Wording for precise details of the precautions.

Landlord Insurance | Alan Boswell Group

Name: Landlord Insurance
Brand: Alan Boswell Group
Rating: 4.9 (1420 reviews)

What is landlord insurance?

Landlord insurance provides financial protection to landlords who rent out a property, or properties, to tenants. It differs from a home insurance policy as it covers the increased risks associated with renting a property to tenants. It can include buildings insurance, contents insurance, property owners’ liability, loss of rent following a claim, and accidental damage.

As award-winning landlord insurance providers insuring property since 1982, Alan Boswell Group knows how complex it is to be a landlord. There is a mass of legislation and regulations to understand, plus the pressure of attracting decent tenants, collecting rent, and maintaining the property. Our aim is to make your job easier by giving you essential advice and providing you with competitive protection to help you save time and money when safeguarding your investment.

Do I need landlord insurance? Is it legally required?

Landlord insurance is not a legal requirement, however, it is vital to protect your financial investment. If you have a mortgage on your property, your lender may require you to take out insurance before you take on tenants.

Whether the property is a short, medium, or long-term investment, it’s wise to put the correct protection in place, if only for peace of mind. As a landlord, you may be faced with unique challenges and additional financial outgoings to ensure the property is kept up to standard.

What does landlord insurance cover?

Landlord insurance products can differ dramatically, which is why it’s essential to compare policies and make sure they are right for you and your situation. The most essential cover is buildings and contents; however, landlords can take out additional insurance policies to cover:

Damage to your property by the tenant
Non-payment of rent
Emergency overnight accommodation for the tenant
Emergency repairs
Liability for loss or injury related to your rental property
Loss of rent or the cost of alternative accommodation if your tenants have to move out following an insured event

What type of landlord insurance do I need?

A wide range of landlord insurance policies are available to ensure landlords and property owners get the correct cover. The options vary according to the level of cover you want and the sort of property you look after. Explore these options below, and feel free to read our guide on landlord insurance types for more detail.

Property owners brochure

If you are a property owner or a landlord, you may be interested in our brochure that outlines the services we provide for our clients in the property industry. Download a copy of the brochure and learn more about how we can help you with your property needs.

Download our brochure

Types of landlord insurance

Landlord Building Insurance

Landlord building insurance is a vital cover for your rental property we can search the market, compare quotes, and arrange your insurance so you get the best cover available.

Rent Guarantee Insurance

Provides insurance for non payment of rent in the event of a tenant defaulting as well as any landlord legal expenses cover of up to £100,000.

Landlord Legal Expenses Insurance

Provides cover for your rental property, including repossession of the property and other legal disputes.

Landlord Home Emergency Cover

Home emergency cover for your own or rental property in the event of a domestic emergency e.g. boiler breakdown, failure in utilities etc.

Multi Property Landlord Insurance

Multi-Property landlord insurance for your residential and/or commercial property portfolio.

Block of Flats Insurance

A comprehensive flat insurance policy tailored to your requirements will give you peace of mind, talk to one of our specialists today or get a quote online

Landlord Liability Insurance

Landlord liability insurance keeps your tenants, or anyone employed to work on your property, safe.

HMO Insurance

Comprehensive insurance for Houses of Multiple Occupations (HMOs)

Further products

Alan Boswell Group also offers a comprehensive range of advice, policies, and services beneficial to landlords and property owners:

Private and commercial landlords

Buy-to-Let Insurance

Flexible buy-to-let insurance from a market-leading broker. Compare quotes for your buildings, contents, and liability insurance.

Commercial Landlord Insurance

Commercial buildings insurance for landlords from a market-leading broker. We'll search the market and compare quotes so you can choose the best insurance.

Tenant Referencing

Referencing of tenant(s) employment history, tenant history, identity and credit history and affordability.

Unoccupied Property Insurance

Secure peace of mind with our comprehensive unoccupied property insurance, providing reliable cover to safeguard your investment and protect against unforeseen risks.

Holiday rentals

Holiday Home Insurance

Safeguard your UK holiday home with our tailored insurance cover, providing peace of mind and protection for your property.

Airbnb Insurance

Airbnb insurance protects you as an Airbnb host should one of your paying guests cause any accidental damage to your treasured rental home.

Serviced Accommodation Insurance

Essential insurance with competitive premiums for landlords and property owners that run serviced accommodation properties.

Our NIG landlord insurance policy is a Which? Best Buy

We take great pride in being recognised for our dedication to providing the best service and comprehensive, tailored cover for our customer's needs. If you are unsure of the type of cover you need, our expert advisers are available to help over the phone.

See how we can help

Speak directly to our team

Speak to one of our experts: 01603 216399

Get a quote

Read to start? We can help protect your property

Meet the team

Karl Hayward

Insurance Adviser

Steve Cox

Senior Business Account Manager

Daisy Jordan

Apprentice Insurance Adviser

Far exceeded my expectations, was very quickly put through to the right team who were then able to quickly tell me what my options were and find me the best offer within minutes. Highly professional and efficient service, turning something quite stressful into a pleasant experience. Craig was fantastic. Could not rate highly enough.

Mrs B Neale - Landlords Insurance

4.9/5 1420 reviews

How much is landlord insurance?

Costs for landlord insurance will depend on what level of cover or particular combination of policies you choose. Our landlord insurance statistics page helps to demonstrate what people may pay for their insurance.

Both your personal insurance history and the insurance history of the property you’re letting out will be taken into account when calculating the cost of your landlord insurance.

The type of building you are insuring will also affect matters – factors such as the age of the property, whether it’s a house or a flat, the number of rooms, and so on, play a role. An insurance company will also want to know the type and number of tenants you’ll be letting to – whether they’re students, in full-time work, or unemployed, and whether full tenant referencing has been undertaken.

Other complications and additional costs could come from having to find alternative accommodation for your tenants should your property become uninhabitable.

Every landlord’s situation is as unique as their property, so there’s no ‘one-size-fits-all’ answer when it comes to insurance. Optional extra policies for landlords include legal expenses cover, rent guarantee insurance, and home emergency cover for sudden crises such as boiler breakdowns. While this might not sound essential, you’ll be glad to have this extra cover in place if you find yourself dealing with a problem tenant or an unforeseen disaster.

Alan Boswell Group can arrange cover for building and contents insurance, contents only, buildings only, rent guarantee, legal expenses or rent guarantee with legal expenses, as well as portfolio insurance for landlords who own property portfolios. Regardless of your situation, we will do our best to tailor a bespoke solution that meets your needs.

See how we can help

Whether you need a quote, have a general enquiry, want to register a claim, or talk it through over the phone, we're here to help.

Speak to us: 01603 216399

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Landlord advice hub

Our landlord knowledge hub provides the latest landlord news and updates, professional guidance, advice, and tips. Whether you’re just starting out, or are a seasoned property professional, we’re dedicated to providing expert knowledge to landlords across the UK.

View our landlord advice & guidance hub

Related guides and insights

Landlord advice & guidance

17 mins

Landlord insurance

What is landlord insurance?

Do I need landlord insurance? Is it legally required?

What does landlord insurance cover?

What type of landlord insurance do I need?

Property owners brochure

Types of landlord insurance

Landlord Building Insurance

Rent Guarantee Insurance

Landlord Legal Expenses Insurance

Landlord Home Emergency Cover

Multi Property Landlord Insurance

Block of Flats Insurance

Landlord Liability Insurance

HMO Insurance

Further products

Private and commercial landlords

Buy-to-Let Insurance

Commercial Landlord Insurance

Tenant Referencing

Unoccupied Property Insurance

Holiday rentals

Holiday Home Insurance

Airbnb Insurance

Serviced Accommodation Insurance

Our NIG landlord insurance policy is a Which? Best Buy

See how we can help

Get a quote

Meet the team

Karl Hayward

Steve Cox

Daisy Jordan

Read our landlord case studies

Changing times

G2M: Building a Secure Future for the Private Rented Sector with Strategic Insurance Partnership

Landlord interview: Taylor-made service

How much is landlord insurance?

See how we can help

Landlord insurance reviews

FAQs

Where can I find details of the price beater guarantee?

Can I insure any type of property?

Can I insure my buy-to-let properties if I have had previous claims?

Do I need landlord's contents insurance if I let my properties on a part-furnished basis (e.g. with carpets, curtains/blinds, and domestic appliances)?

How do I know the rebuild cost of my let property?

What about injury to tenants and other people?

What type of tenants are acceptable?

Will my cover continue when the tenant moves out?

Landlord advice hub

Related guides and insights

Landlord insurance: a beginner's guide

Guide to Building insurance

Complete guide to being a commercial landlord

Landlord’s guide to holding deposits