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Landlord Insurance

Our award winning landlord insurance offering, Total Landlord Insurance, has been specialising in providing comprehensive cover for landlords since 1996. Building upon the extensive knowledge and experience of Hamilton Fraser, our focus is to offer easy to understand insurance for landlords without sacrificing high quality buy to let cover, or a great price.

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What is landlord insurance?

Landlord insurance protects the property owner against financial losses suffered in connection to a rental property. It protects the building itself and related risks such as injury or loss suffered by a tenant because of a fault with the building.

Our landlord insurance offering

It is through our unique understanding of the buy-to-let industry that we are able to offer not only good value buildings and contents insurance, but valuable insight into the best ways to protect your investment, giving you total peace of mind.

Our landlord insurance has been created to meet the needs of landlords by offering you two simple policies that take the headache out of buying buy to let landlord insurance for your rental properties.

Great cover and excellent price compared to competitors. Highly recommend.
– Massey, Landlord

The two easy to understand policies combine buildings and contents insurance and even include loss of rent and liability cover for landlords; meaning however you manage your lettings, you’re assured effective cover that protects your investment. By providing different buildings and contents insurance inclusions within our essential and premier policies you can choose the level of cover you need, based upon your individual requirements.

Achieve the peace of mind that effective buildings and contents landlords insurance offers and choose an award winning specialist provider that understands the unique challenges you face as a landlord.

Do you need effective landlord building insurance?

We offer comprehensive coverage for landlords throughout the UK – providing solutions such as landlord home emergency cover and landlord rent guarantee insurance that not only gives you complete protection but saves you money. As the country’s leading landlord insurance specialist, we know how important it is to protect your reputation as well as your property – which is why we’re proud to have covered the needs of the nation’s landlords for over 20 years.

Whether you’re a new or existing landlord, our experts are well-experienced in delivering professional advice – from insuring a single property to managing a portfolio of multi properties.

Get the utmost defence for buildings and contents by ensuring you receive full cover when obtaining landlords home and buildings insurance with our team; where you can get a quote in minutes. It’s our business to make insuring your property simple whilst offering a bespoke service that complements your needs. Our highly trained team assess and cover all areas of concern, working with you from start to finish to achieve a specialist quote suited to you – and you alone.

As one of the market leaders in landlords insurance, we invest in you and your assets to ensure you receive the very best in extensive coverage. Our aim is to put you at ease by making your life easier – which is why we’re confident you’ll enjoy the best landlord insurance cover only with Total Landlord Insurance.

Our wide range of products and services have been designed to be informative and practical, allowing you to make the best choice for your preferences. Consisting of over 20 years’ experience within the landlord sector, Total Landlord Insurance has successfully maintained the highest level of quality and expertise across its client base – reaching out to a number of proprietors whatever their circumstances. In 2017 and 2018 we won ‘Best Landlord Insurance Provider at the Insurance Choice Awards, highlighting the additional work we put into providing reliable support and accurate advice.

Excellent service, friendly staff and very helpful.
– Franklin, Landlord

From being based in the UK to overseas, we treat each of our customers with the same respect and loyalty they deserve; safe in the knowledge that their most valued properties are with a trusted and highly credible name.

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  • Choose the level of cover you need based upon your individual requirements with two easy to understand landlord insurance policies that protect your investment, Premier and Essential
  • A dedicated in-house claims team of expert advisers providing customers with a sole point of contact should the worst happen
  • All property types considered – freehold houses to leasehold flats
  • Both policies accommodate for all types of tenants from housing benefit tenants to students, houses in multiple occupation and working tenants with no difference in cover or price
  • Flexible cover that enables you to add properties to an existing policy at any time, giving you one renewal date
  • 30 days full cover between tenancies on our Essential policy and 90 days full cover between tenancies on our Premier policy
  • Both policies include loss of rent or alternative accommodation (30% of buildings sum insured on the Premier policy, and 20% of buildings sum insured on the Essential policy)
  • Both policies include theft by violence and forcible entry, our Premier policy includes theft by tenants and/or their guests
  • Our Premier policy offers property owners liability with a £5,000,000 limit of indemnity (our Essential policy includes a £2,000,000 limit of indemnity)
  • Our Premier policy covers malicious damage by tenants and their guests and offers extensive property disputes support

  • Choose the level of excess that’s right for you – £100, £250, £500 or £1,000
  • Protect your property against loss or damage resulting from acts of terrorism with our terrorism cover.
  • Include employer’s liability cover (available under our Premier policy) for protection against your legal liability to pay compensation, claimants costs and expenses in respect of injury sustained by an employee.

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Landlord Insurance Comparison

Landlord Essential Insurance

Landlord Premier Insurance

Buildings
Accidental damage to glass and sanitary fittings
Accidental damage by tenants and/or guests
Malicious damage by tenants and/or guests
i£25,000 per claim
Theft by violent and forcible entry
Theft by tenants and/or guests
Full cover between tenancies
i30 days - subject to policy terms and conditions
i90 days - subject to policy terms and conditions
Trace and access
i£1,000 - limited to £5,000 per policy year
i£5,000 - limited to £25,000 per policy year
Damage to landscape gardens by emergency services
i£25,000
Theft of keys or replacement locks
i£250 - limited to £1,000 per policy year
i£1000 - limited to £25,000 per policy year
Loss of metered water or oil
i£1,000
i£5,000
CCTV
iCCTV
i£5,000
Removal of nests
Contents
Accidental damage to glass and sanitary fittings
Accidental damage to contents
Malicious damage by tenants and/or guests
ilimited to £5,000 per loss
Theft
iby violent and forcible entry only
Theft by tenants and/or guests
Single article limit
i£500
i£1,000
Landlord's gardening equipment in outbuilding
i£1,000
Loss of rent or alternative accommodation
Loss of rent or alternative accommodation
ilimited to 20% of buildings sum insured
ilimited to 30% of buildings sum insured
Denial of access cover
ilimited to 90 days
Excess
Standard excess - £250
ibut with the option to reduce to £100 or increase to £500 or £1,000
ibut with the option to reduce to £100 or increase to £500 or £1,000
Malicious damage
iby tenants/or guests, excess of £1,000
Subsidence
iexcess of £1,000
iexcess of £1,000
Property disputes cover
Telephone legal advice line
£10,000 limit of indemnity
Nuisance and trespass
Criminal defence costs
Contract disputes

Landlord FAQs

Find the answers you need to all of your landlord insurance related questions

Policy documents

View and download your policy documents here

  • Assumptions

    To make getting a quote quick and easy, we’ve made some assumptions about you and your rental property for this policy

    You, your directors and your business

    • You, your directors and your business have never had a policy cancelled by your insurers, had cover declined, had special terms imposed or been declined renewal for any covers that this quote refers to
    • You, your directors and your business have never been declared bankrupt, had any CCJ’s nor are you currently the subject of any bankruptcy proceedings/voluntary or mandatory insolvency or winding-up procedures
    • You, your directors or your business have never been convicted or charged with (or have a conviction for) a criminal offence other than a motoring offence
    • You, your directors and your business can confirm to the best knowledge and belief that all information provided in connection with this quotation is correct and complete

    Tenancy

    • An Assured, Assured Shorthold or Regulated Tenancy Agreement (England and Wales) or Short Assured or Assured Tenancy Agreement (Scotland) is in place
    • You, your letting/managing agent, must have full control over the property
    • All of the properties will be occupied from the start date of cover
    • You must have a signed tenancy agreement directly between you and the tenant/s (occupier/s) of the property
    • The property is not sub-let/leased to a third party who controls the tenancy and occupancy as if it was their own

    Your properties

    • None of the properties are registered as listed by the National Heritage (England)
    • All of the properties have walls made from a standard construction (stone, brick or concrete)
    • All of the properties have a roof made from a standard construction (slate or tile)
    • No more than 20% of the total roof area of any of the properties is flat
    • All of the properties are in a good state of repair and will continue to be maintained as such
    • All of the properties are free from subsidence, heave, landslip and have never been underpinned in full or part
    • None of the properties are constructed on made up ground
    • None of the properties have ever suffered from environmental flooding
    • None of the properties are used for commercial purposes
    • All of the properties are domestic residential properties and there are not any cooking facilities in any of the bedrooms
    • None of the properties will be used as bedsits
    • None of the properties contain portable gas or electric fan heaters

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