Insurance
If you’re the owner of a rental property, you should take out landlord insurance to ensure you and your home are fully protected against damage or theft. Many landlords don’t realise that standard home insurance policies won’t cover properties that have been rented out to tenants, which means you could end up losing thousands of pounds if you need to make a claim.
To make it easier for you to secure the very best landlord building insurance, the NRLA has partnered with some of the UK’s most trusted landlord insurance specialists. As a member of the NRLA, you’ll have access to the widest range of landlord home insurance policies that suit your requirements, whether you’re a new landlord or already have a vast portfolio.
Not a member of the NRLA yet? Join us today to receive the best rental property insurance quotes from our partners.
Our landlord house insurance partners
Securing comprehensive landlord insurance is one of the most important parts of looking after your property. Learn more about our specialist landlord insurance partners and get a quote to help you decide which provider is right for you.
Gallagher is one of the world’s largest insurance brokers and is proud to partner with the NRLA to provide members with specialist Landlord Insurance and Legal Expenses & Rent Guarantee Insurance.
NRLA landlords can benefit from the following:
- Rated 'Excellent' on Trustpilot
Products and services from a company rated ‘Excellent’ with over 8,000 customer reviews on Trustpilot* - Landlord Insurance specialists
We protect many types of landlords, including student, multi-property, and HMO landlords - Multiple insurer options
Landlord insurance quotes from a panel of some of the leading UK property owner insurers, including Aviva, Allianz, AXA and Zurich - Multi-property policies
Buildings and contents cover for multiple rental properties under one policy - Increased protection
Cover for rent arrears and the costs of legal disputes when evicting a tenant with a Legal Expenses & Rent Guarantee Insurance policy
Read more about Landlord Insurance
Read more about Legal Expenses & Rent Guarantee Insurance
Speak to our team by calling 0800 612 3717.
Cover is subject to the full terms, conditions, limits and exclusions of our policy wordings.
*Correct as of September 2026.
The NRLA recommend our multi award winning insurance to members because it is built for landlord by landlords.
Protecting over £50 billion of landlord assets, Total Landlord is specifically designed to meet the needs of landlords, giving you the peace of mind you need when insuring buy to let rental properties.
- Award winning landlord insurance, we were voted 'Best Landlord Insurance Provider 2024' for the seventh time at the Insurance Choice Awards, run by Smart Money People
- Multiple properties combined in one policy to make managing your portfolio easier
- The only NRLA partner to offer advised sales from a team of highly knowledgeable staff, including an in-house claims team who understand the requirements of landlords in the private rented sector
- Social proof across multiple review platforms, our excellent 4.8/5 rating on Smart Money People reflects our dedication to improve our landlord insurance service and support all of our customers through excellent service and claims management experience
- Recommended by ‘the landlord’s friend’ Paul Shamplina, Founder of Landlord Action
- Offering new policy extensions: Pet damage protection cover to help protect your property against damage caused by your tenants’ pets and legal expenses and rent protection to safeguard your investments
Learn more about Total Landlord Insurance or get a quote by clicking the button below.
*Correct as of October 2025
Home emergency insurance that can cover the sudden, unexpected breakdown of eligible kitchen appliances in a rental property. Cover, limits and exclusions are set out in the policy documents, available from Hometree.
HM Revenue & Customs (HMRC) routinely check tax returns to make sure they are correct. They might also decide to conduct an extensive examination of all areas of your tax affairs, including an in-depth review of your tax return records.
Cover can cost over £100 per year, but for NRLA members it's included as a part of your membership subscription. Terms and Conditions apply.
How much does landlord insurance cost?
The cost of landlord home insurance can vary depending on a number of factors, including:
- Cover level: The more cover you want, the more you’ll have to pay.
- Property location: Properties located in high-crime areas will usually cost more to insure.
- Property size and age: Older and larger properties will typically need more maintenance and repairs, so insurance is likely to cost more.
- Your tenants: Some tenants are considered to be higher risk, such as students.
- Your claims history: If you’ve claimed on your insurance previously, you’ll likely have to pay a higher premium when you renew.
If you’re a member of the NRLA, you’ll typically pay less when you secure insurance through one of our partners compared to a non-member in the same circumstances as you.
Join the NRLA for access to exclusive landlord benefits
Members of the NRLA not only receive the best landlord insurance quotes but also enjoy a wide range of other benefits, including access to exclusive discounts for landlords on essential products and services.
What’s more, if you ever find yourself in a difficult situation, the NRLA landlord support team will be on hand to assist you with personalised support and advice.
To reap the rewards, become a member today for only £125 per year.
Landlord insurance FAQs
Why do I need landlord insurance?
Although taking out landlord insurance is not a legal requirement, most landlords choose to insure their rental properties so that they are protected against damage or theft.
Standard home insurance policies typically do not cover rental properties, which means you might find yourself unable to make a claim if this is the only cover you have.
What’s more, if you want to apply for a buy-to-let mortgage, your lender will usually insist that you have landlord insurance.
Take a look at this blog by Total Landlord’s Head of Broking for more information about why you need landlord insurance.
What won’t landlord insurance cover?
Landlord insurance typically doesn’t cover:
- Your tenants’ belongings – they’ll need to take out their own contents insurance
- Fair wear and tear – this includes anything that has been damaged through normal use over time
- Damage by animals – pet damage can sometimes be added to your policy at an extra cost, but landlord insurance won’t cover damage by pests
Deliberate damage caused by tenants – however, you might be able to add cover for malicious damage at an extra cost