Landlords Insurance FAQs
Here are some of the most frequently asked questions about landlords insurance.
Landlord insurance is a specific type of policy that protects property owners who rent out their properties. It typically covers buildings, liability, loss of rent, and sometimes contents — unlike standard home insurance, it’s designed for rental properties and associated risks.
Landlord insurance isn’t a legal requirement in the UK, but most mortgage lenders will require it if you’re renting out your property. Even if it’s not mandatory, it offers essential protection against potential financial losses.
- Buildings insurance (structure and permanent fixtures)
- Property owner liability (if a tenant or visitor is injured)
- Loss of rent (if the property becomes uninhabitable)
- Optional extras, such as contents insurance, legal cover, or rent guarantee.
Yes — at Red Apple Brokers, we can help you find portfolio landlord insurance that allows you to cover multiple rental properties under one policy. This is ideal for landlords with two or more properties, whether residential, commercial, or a mix of both.
A multi-property policy can offer:
- Simplified administration – one renewal date and one point of contact
- Cost efficiency – potential savings versus multiple single-property policies
- Flexible cover – tailor the protection per property (e.g. different levels of buildings or contents cover)