Total Landlord Insurance
Total Landlord Insurance
For nearly 30 years we’ve helped landlords safeguard over £50 billion in rental property. Whether you own a single buy to let flat or a nationwide portfolio, our specialist policies are shaped around your risks and your budget.
Total Landlord, powered by Total Property, delivers expert support to landlords throughout every stage of the tenancy lifecycle. Our services include the government-authorised deposit protection scheme mydeposits, Property Redress, Client Money Protect, and housing law specialists Landlord Action.
Whether you’re new to the market or managing an expanding portfolio, Total Landlord has all the tools and services you need for a smooth, secure letting experience.
Why landlords choose Total Landlord:
- One policy, one renewal date: combine multiple properties under a single schedule to cut admin and avoid gaps in cover
- Dedicated landlord specialists: speak to advisors who understand arrears, void periods and HMO licensing
- In-house claims team: decisions in hours, not weeks, so repairs can start sooner.
- 4.8/5 rating from Smart Money People – thousands of landlords rate our service ‘Excellent’
- Award-winning provider: voted ‘Best Landlord Insurance Provider 2024’ for the seventh time at the Insurance Choice Awards
- Flexible extras: add pet damage protection, rent protection, legal expenses or terrorism cover whenever you need them
Our policies
Landlord buildings and contents insurance
Comprehensive cover for residential buy to lets:
- Up to £5 million cover
- Accidental and malicious damage by tenants*
- Alternative accommodation or loss of rent after an insured event
Leasehold flat cover
Tailored protection for leasehold property owners:
- Fixtures and fittings - including built-in kitchens and bathrooms
- Landlord’s contents if you supply furniture or appliances
- Public liability up to £5 million
Home, holiday home and short term let insurance
Flexible insurance for your own home, second home or Airbnb-style lets:
- Buildings and contents cover for standard and non-standard construction
- Loss of rent protection if a booking is cancelled after an insured event
- Liability cover for paying guests and lodgers
Commercial and mixed-use property insurance
Bespoke cover for shops, offices and blocks of flats:
- Buildings, landlord’s contents and loss of rent
- Optional terrorism, legal expenses and rent protection
- Portfolio discounts for multiple premises
Our essential policy provides basic protection for loss of rent or alternative accommodation if your property becomes uninhabitable, and property owner’s liability for injuries or damage to tenants' possessions. The premier policy includes all the cover of the essential policy, plus extra benefits such as protection against malicious damage or theft by tenants, removal of nests, cover for landlords’ gardening equipment, outbuildings, and CCTV. Choose the essential policy for core coverage or the premier for more comprehensive protection and added peace of mind.
Additional policies
Private landlord insurance
If you rent a property on a residential let tenancy agreement that you have full control over then you are a private landlord and need a landlord insurance policy.
Portfolio landlord insurance
If you are the owner of multiple properties who rents them on a residential let tenancy agreement and has full control over them, you need a portfolio landlord insurance policy.
HMO and student landlord insurance
If you rent to multiple unrelated tenants or students in a single property, whether local authority licensed or not, you need a HMO landlord insurance policy.
Expat landlord insurance
If you manage your rental property from abroad if you are serving or living overseas and are not in the country for extended periods of time, then you need an expat landlord insurance policy.
Commercial landlord insurance
If you rent the property you own on a commercial lease basis for example; shops, offices etc then you need a commercial landlord insurance policy.
Policy extensions
- Total Landlord offers policy extensions as well as their core and additional policies: Pet damage protection, legal expenses and rent protection insurance. Pet damage protection provides specific coverage for pet-related damage and incidents within a rental property, while legal expenses and rent protection offers financial security to landlords whilst renting.
- Pets
- LERP
Part of Total Property
mydeposits – government authorised tenancy deposit protection
Property Redress – impartial resolution of property complaints
Client Money Protect – safeguarding client funds held by agents
Landlord Action - solicitors specialising in possession and debt recovery
Ready to protect your property?
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
Spring Property Maintenance Checklist for Tenants
Useful resources
Complete guide to inventory for landlords
A rental property inventory is a detailed document that records the contents and condition of a property, both inside and out. The inventory should be completed before a tenant moves in, when they move-out, and can also be used during periodic inspections throughout the tenancy. NRLA partner, Total Landlord, outlines the complete guide to a comprehensive inventory.
The complete guide to tenant referencing for landlords
Thorough tenant referencing is one of the most critical steps you can take as a landlord to protect your property and maximise the chances of having a successful tenancy. Evidence of a robust reference check is also a requirement of most landlord insurance policies. NRLA insurance partner, Total Landlord, has to put together this comprehensive guide.
8 reasons why you need landlord insurance
As a landlord it is vital that you take out residential landlord property insurance, as normal home insurance policies may not be valid. If you let to tenants without dedicated landlord insurance, you could find yourself out of pocket if your property is left uninhabitable by tenants. In this guide, NRLA insurance partner, Total Landlord, explains some of the key reasons why you need landlord insurance, and how to choose the right landlord insurance to meet your needs.
The complete guide to preparing a property to let for first-time landlords
This comprehensive guide by the NRLA’s landlord insurance partner, Total Landlord, aims to help first-time landlords navigate their way through the crucial steps of successfully preparing a property to let. It covers the key legal obligations and provides strategies for success, from how to decorate your rental property, to what to include in a welcome pack.
The complete guide to preventing burst pipes in your rental property
Even though we've left the coldest months behind us, many households still worry about rising heating bills, and some tenants may be tempted to use the heating more sporadically. But although they may think they’re saving money by switching the heating on and off, this can actually increase the risk of burst pipes. And the last thing you and your tenants want is the inconvenience and expense of frozen or burst pipes as temperatures fall. Steve Barnes from NRLA partner, Total Landlord, tells us more.
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.
