HOME & BELONGINGS

Landlord insurance. Explained.

Separate the rental building, your liability and rental income risks before comparing a landlord policy.

Start with what you need covered.

A let property needs to be described as a let property. Tell an insurer about the tenancy, property layout, occupancy and any periods between lets. Then separate damage to the building from other concerns such as liability, your furnishings and interruptions to rent. A landlord package should not be assumed to include every one of these risks.

Compare the key questions ↗Read the buying guide ↗

UNDERSTAND THE OPTIONS

Different arrangements. Different details.

Rental property damage

Discuss the building and any landlord-owned contents.

Property owner liability

Ask about claims arising from ownership of the property.

Rental income protection

Distinguish loss of rent after insured damage from a tenant failing to pay.

BEFORE YOU CHOOSE

Four conversations worth having.

Tenancy and occupancy

Are the tenancy arrangement, number of occupants and empty periods acceptable?

Rent trigger

Does cover require insured property damage, or include a separate rent guarantee?

Rebuilding

Does the sum reflect reconstruction rather than the sale value or mortgage balance?

Conditions

What inspections, maintenance records and notification duties must be followed?

Compare an actual offer

These are research prompts, not a quote or a recommendation. Ask an insurer or authorised broker to explain the accepted policy, its exclusions and your own circumstances. Product features vary.

Sources & further reading

Checked 26 September 2026. Policy terms and source ratings can change.

See how cover connects.

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