Landlord insurance quotes

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What is landlord insurance?

Our home insurance for landlords covers the cost of rebuilds and repairs to lost rent. If your property's damaged to theft, fire, flooding, or extreme weather, both you and your tennants will be affected - especially if the damage has made the property unsafe or un-secure. Landlord insurance will help you and your tenants get back to normal as quickly as possible.

When you're a landlord, it's more than just a home you have to worry about - it's someone else's home too. And, to keep things flexible, you can choose combined building and contents cover, or take them out seperately.

Benefits of landlord insurance

Unlimited total sum

Where your property is not a listed building with five bedrooms or fewer, there's no limit to the overall amount of cover we'll offer. For unlimited cover, it must be built from brick, stone, slate and tile. Limits apply for certain parts of cover, such as single item limits for valuable or personal belongings.
Alternative accommodation

If the damage is covered by your insurance, we'll pay for loss of rent until your property is fit to live in.
Find and fix a leak

If there’s a water leak that’s damaging your property, we’ll cover up to £5000 to track it down and sort it out.

Knowledge centre

Browse through our reading list of articles in your own time and start building the foundations in your home insurance knowledge.

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What does Landlord Insurance cover?

What’s covered

The structure of your home
We cover for damage caused by things like theft, fire, flooding, and extreme weather, subsidence (when the ground sinks), heave of land (when the ground swells) and landslips. Permanent fixtures and fittings, such as fitted kitchen and built-in wardrobes are covered too, as are outside spaces like driveways, patios and gates.
Your contents
We'll cover any household item that you keep in your property - like furniture, carpets, and appliances. It doesn't cover your tenants' belongings, so they'll need to take out their own contents insurance. Wherever possible, we'll give you unlimited total contents cover, with a maximum of £2000 on valuables. Not everyone is eligble, if you don't qualify for our standard limit we will ask you to provide your own sum insured.
Cover for matching items

We'll cover the cost of replacing any undamaged items in a set if we're unable to provide an exact match (up to policy limits), conditions apply.
Replacement locks and keys
We'll pay to fit replacment locks to external doors if your keys are lost or stolen, as well as alarm systems or safes in your home. Up to a total value of £1000.
Liability protection for injuries or damage
As the owner of a rented property, you could be held liable if an accident leads to somebody being injured or their property damaged. If that’s the case, you’re legally required to compensate them. We give up to £5million in legal protection as standard, and you can call our legal helpline 24 hours a day.

What’s not covered

We can't cover every eventuality. Make sure you understand, and are comfortable with, what isn't covered.

Theft or malicious damage to your contents or property by your tenants
Explore exactly what's covered and what's not by taking a look at our policy wording.

Do you need landlord cover?

If you're a UK landlord and you've got tenants in your property, it's good idea to think about landlord insurance. You don't legally need to have it, but it can definitely be useful to have in place just in case anything unexpected pops up that you need to pay for.

Landlord insurance can give you peace of mind - so if the worst happens, like a fire or storm, your property and contents are covered. You can choose to take out extra accidental cover to protect any fixtures that you own and can't easily move, like mirrors, TVs or speakers, against any accidents.

If you’ve got more than one rental property, never fear — you can cover up to three. If you’ve got more than three, take a turn here and check out our commercial landlord insurance through a broker.

Optional add-ons

Tailor your policy with our add-ons and get extra cover for your home and belongings.

Protected no-claim discount

If you haven't made a claim for 5 years or more, you can protect your no-claim discount.

Accidental damage

We offer two levels of additional protection that can protect your building in case of accidents.

Limited - covers accidental damage to service pipes and cables, glass in your windows, and sanitary fittings (e.g. baths, shower trays, sinks).

Extra - extend the limited cover outlined above to include accidental damage for the rest of the building (e.g. putting your foot through the ceiling). Extra cover excludes damage caused by paying guests or if your home is lent, let or sub let.

Important documents

Insurance policy wording PDF (316.8 KB)

Home insurance summary of cover PDF (234.7 KB)

Legal services policy wording PDF (219.9 KB)

Important information document PDF (200.1 KB)

Home summary of benefits PDF (90.3 KB)

Insurance product information document PDF (75.6 KB)

Ready to get cover?

We’ve got a range of options to help protect what’s important to you.

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How our claims process works

Whatever happens, we’re here when you need us – online and over the phone.

Step 1 of 3

Keep your documents handy

To make a claim, you’ll need your insurance policy number, any photos of the lost or damaged items (if you have them), and any related receipts, quotes or invoices.

Step 2 of 3

Let us know

You can make a claim over the phone or online if you’re registered for MyAviva.

If there’s been an emergency, eg your home isn’t secure after a break-in or it’s not safe to stay there following damage, get in touch with us as soon as you can.

Step 3 of 3

We’ll respond quickly

We’ll get back to you as soon as we can to sort things out. When you make a claim online between 8am-6pm Monday to Friday, we'll aim to contact you within 2 hours to take the details and explain what happens next. Outside these hours, we may not be able to contact you until the next working day.

Make a claim