Total Landlord Insurance
Total Landlord Insurance
Whether you have a single property or a portfolio, Total Landlord Insurance can provide you with comprehensive cover to support your property needs. We offer easy to understand insurance for landlords without sacrificing high quality buy to let cover and at great price.
What is landlord insurance?
Landlord insurance covers you from financial losses connected with your rental property, such as loss of rent and liability cover. It typically offers a range of different covers grouped into one policy to provide comprehensive protection.
No two buy to let policies are the same
As a landlord, your rental property is a huge investment and protecting it against the unthinkable is essential. Whether you are renting a property to a single tenant or a house in multiple occupation, it is important to make sure that you are fully protected.
Standard home insurance isn’t designed for rental properties – you need specialist landlord insurance that will provide cover whether your property is vandalised or damaged by a flood. With so many landlord insurance products available, finding the right policy with the right level of cover can be difficult, especially as no two policies are the same.
Total Landlord Insurance was created to meet the needs of landlords by offering two simple policies – Essential and Premier. Both policies have been designed to give you the peace of mind that you are covered if the worst should happen. We offer easy to understand insurance for landlords without sacrificing high quality buy to let cover and at great price.
Get a quote
Log in to the NRLA member area to get a quote online, alternatively to discuss your insurance needs in more detail please call 0203 907 1779.
Log in to get a quote online
Why choose us?
- Exceptional landlord insurance, we have been voted as the 'Best Landlord Insurance Provider 2023', for the sixth time at the Insurance Choice Awards
- We don’t penalise you for your renting choices. Uniquely our policies accommodate for housing benefit tenants, students, houses in multiple occupation and working tenants with no difference in cover or price
- A ‘same name claim handler’ service is available, providing access to a dedicated adviser each time you call – 96% of customers would recommend us after a claim
Five time winners of the best landlord insurance provider
What’s covered?
Landlord buildings cover
Both our Essential and Premier policies cover structural damage to the building caused by fire, flood and storm damage. Our Premier policy also includes theft, accidental damage or malicious damage by tenants and their guests at no extra cost, giving you piece of mind that you are covered for damage, be it by theft, accident or malice. We also provide full cover between tenancies for up to 90 days.
Landlord contents cover
Our landlord contents insurance cover will ensure that you are not left out of pocket if the worst should happen to your furnishings in your rental property. Our Premier policy includes malicious damage, theft by tenants and their guests and even extends to gardening equipment as standard.
Loss of rent cover
Both of our policies include loss of rental income, or the costs of re-housing your tenant, in the event the property becomes non-tenantable following an insured claim such as fire or flood.
Subject to policy limits and the terms and conditions of your policy.
Accidental damage cover
Accidents happen, and by their very nature they are impossible to prevent completely. Our Premier policy covers accidental damage by tenants and their guests for buildings should they accidentally leave the taps running or put their foot through the ceiling.
Landlord insurance FAQs
1. What does landlord insurance cover?
Landlord insurance will usually cover your buildings and contents for accidental damage such as a broken window or a sink that has come away from the wall, theft by forced entry, full cover between tenancies, trace and access and theft of keys or replacement locks.
Landlord insurance will also cover you for loss of rent or alternative accommodation in the event that your property is non-tenantable and property owner’s liability to cover you for things like an injury at the property or damage to possessions.
A more comprehensive policy, like our Premier policy, will offer cover such as malicious damage by tenants, removal of nests, landlords’ gardening equipment and outbuilding cover, denial of access cover and employer’s liability cover.
2. Do I have to have landlord insurance?
There is no legal obligation for a landlord to take out a dedicated insurance policy. However, a standard home insurance policy isn’t designed for rental properties – you need specialist landlord insurance that will provide you with adequate cover in the event that your property is vandalised or your tenant is injured on your property.
3. Why do I need landlord’s insurance?
Although landlord’s insurance is not compulsory, a dedicated policy designed for landlords will provide specific cover for your rental property. Landlord’s insurance will cover you for many of the same things that your home insurance does but it will also cover the risks that come with a buy to let such as buildings, contents and loss of rent cover.
4. How much does landlord insurance cost?
The cost of your landlord insurance depends on the level of risk your property presents. Factors that can influence the cost of your landlord insurance include the type of property, property location, the level of cover you need, any extras such as employer’s lability cover and claims history.
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Useful resources
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Please note that any contract for the supply of goods/services will be made between you and the provider of the goods/services; not with the National Residential Landlords Association or any of its associated companies. The NRLA has no liability in relation to any contract entered into by you as the NRLA only acts as an introducer.
