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.

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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.

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Why choose us?

  • Exceptional landlord insurance, we have been voted as the 'Best Landlord Insurance Provider 2022', for the fifth 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

2017
2018
2019
2020

What’s covered?

Product Comparison

Essential Premier
Buildings
Standard perils including fire, riot, impact, storm or flood, subsidence and escape of water
Accidental damage to glass and sanitary fittings
Accidental damage by tenants or guests
Malicious damage by tenants or guests
Theft
Theft by tenants or guests
Full cover between tenancies
Trace and access
Damage to landscape gardens by emergency services
Theft of keys or replacement locks
Loss of metered water of oil
CCTV
Removal of nests
Contents
Accidental damage to glass or sanitary fittings
Accidental damage to contents
Malicious damage by tenants or guests
Theft
Theft by tenants or guests
Single article limit £500 £1,000
Landlord's gardening equipment in outbuilding
Loss of rent or alternative accommodation
Loss of rent or alternative accommodation in the event of an insured claim
Denial of access cover
Excess
Standard excess £250 £250
Subsidence excess £1,000 £1,000
Malicious damage by tenants or guests £1,000

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.

Documents

Spring Property Maintenance Checklist for Tenants

Last updated: 08/03/2023 at 12:02 - 56.50 KB

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Useful resources

The complete guide to spring property maintenance for landlords

As the harsh winter weather subsides and spring begins to bloom, it’s the perfect time to check your property for any damage that may have resulted from the damp, cold and frosty winter weather. Spring is a great opportunity for landlords looking to inspect their property as the weather not only becomes milder, but days also get longer, making it easier to check on your property’s health. NRLA Partner, Total Landlord gives us some pointers.

Partners and Suppliers Steve Barnes 08/03/2023
The complete guide to spring property maintenance for landlords

The complete guide to protecting your property from claims in 2023

Many of the issues landlords experience can be prevented through a combination of regular maintenance, periodic inspections, and clear communication with tenants. But unfortunately, no matter how well prepared you are, the unexpected can still happen. As insurance partner to the NRLA, Total Landlord, has written several guides for NRLA members, which are packed with advice to help landlords understand more about the most common causes of claims and how to prevent incidents occurring in the first place.

Partners and Suppliers Steve Barnes 20/12/2022
The complete guide to protecting your property from claims in 2023

The Complete Guide to Protecting your Property from Theft

In this guide, NRLA insurance partner, Total Landlord Insurance, draw on their expertise with tips to help you protect yourself and your property and reduce the risk of theft.

Partners and Suppliers Steve Barnes 11/11/2022
The Complete Guide to Protecting your Property from Theft

The Complete Guide to Protecting your Property from Explosion

In this comprehensive guide, NRLA insurance partners, Total Landlord Insurance, explain everything landlords need to know about protecting their property from explosions - from making sure you are compliant with gas safety regulations and educating your tenants, to what to do in the event of an explosion and how to make sure you have comprehensive cover should the worst happen.

Partners and Suppliers Steve Barnes 13/09/2022
The Complete Guide to Protecting your Property from Explosion

Ten Tips to Reduce Risks and Protect your Property in a Heatwave

With temperatures soaring to record highs, what can landlords do to reduce risks and protect their property? Steve Barnes, Associate Director at NRLA insurance partners, Total Landlord Insurance, shares his ten top tips for landlords, as we face the reality that extreme heat fuelled by climate change is making heatwaves more intense, frequent and likely.

Partners and Suppliers Steve Barnes 22/07/2022
Ten Tips to Reduce Risks and Protect your Property in a Heatwave

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.