Landlord Insurance from £10.50/month

Landlord insurance for UK rental properties & portfolios

Premier Insurance has arranged landlord insurance for UK property owners since 1983. We cover single buy-to-lets, HMOs, blocks of flats, mixed-use freeholds, holiday lets and full multi-property portfolios — including high-value, listed, non-standard construction and unoccupied properties that most online insurers refuse to quote. Where you have a portfolio of 5+ properties we typically arrange a single block policy that delivers better cover at a lower per-unit premium than separate policies.

Cover we include as standard

• Buildings cover to full rebuild value (we'll help you re-assess — most UK landlords are underinsured by 20-40%)
• Property-owner's liability £2m–£10m for tenant or third-party injury claims
• Loss of rent following an insured event such as fire, flood or escape of water
• Malicious damage by tenants (an exclusion on most standard policies)
• Accidental damage to buildings and any landlord-owned contents
• Trace and access cover for leaks
• Alternative accommodation for tenants while the property is unfit
• Subsidence with sensible excesses (£1k typical, vs £2.5k+ on direct policies)

Typical landlord insurance pricing in 2026

• Standard buy-to-let flat (London, professional tenant): £18.00–£32.00/mo
• 3-bed house, family tenant: £24.00–£42.00/mo
• Licensed HMO (4–6 tenants): £55.00–£120.00/mo — most online insurers won't touch these
• Block of 6–12 flats: £80–£180/unit/yr on a block policy vs £300+/unit/yr individually
• Unoccupied / refurb property: £55.00–£140.00/mo with 30/60/90-day inspection conditions
• Portfolio of 10+ properties: typically 25–40% saving vs individual policies

Add-ons worth considering

Rent guarantee & legal expenses covers tenant non-payment and the legal cost of recovering possession — typically £15.00–£25.00/month per unit and pays out for up to 15 months of arrears. Unoccupied property cover kicks in when a property is between tenancies for more than 30-60 days. HMO endorsements are essential for licensed HMOs and shared houses. Subsidence cover is particularly important for London clay properties (NW London, SW London especially) — we negotiate lower excesses than the £2,500–£5,000 you'll see on direct policies.

Common landlord claims and the wording traps

Escape of water (the single largest landlord claim category — burst flexi-hose connectors, washing-machine inlets, frozen pipes in unoccupied properties); malicious damage at end of tenancy (often excluded on standard policies — we make sure it's included); accidental damage to bathroom suites and kitchens (typically excluded by default); tenant injury from disrepair (Sefton v Tower Hamlets-style claims). The wording detail matters: standard policies often define "malicious damage" to exclude any damage the tenant caused while resident, only covering forced-entry damage after they leave. We make sure your wording covers in-tenancy malicious damage.

For a landlord quote across one property or a portfolio, call 020 8908 2426, message us on WhatsApp 07728 305383, or request a callback.