Landlord insurance brokers help property owners find suitable insurance for rental homes, buy-to-let properties, HMOs, holiday lets and larger property portfolios.
A rental property is not usually protected by standard home insurance. Once tenants live in the property, the risks change. You may need cover for the building, landlord contents, loss of rent after insured damage, property owner liability, legal expenses, malicious damage or rent guarantee.
Connect Experts helps you find landlord insurance brokers and protection advisers across the UK. You can search by location, language, gender and area of expertise, then choose the adviser who fits your property needs.
Connect Experts is a broker directory and matching platform. We do not provide insurance advice directly. Advice is provided by the adviser or firm you choose.
What Is a Landlord Insurance Broker?
A landlord insurance broker is an insurance adviser who helps landlords compare and arrange cover for rented property.
Instead of relying on one insurer or a quick online quote, a broker can review your property, tenancy type, tenant profile, claims history and mortgage requirements before recommending suitable cover.
A landlord insurance broker can help you understand:
- What type of insurance your rental property may need
- Whether standard home insurance is unsuitable once the property is let
- What buildings insurance includes
- Whether landlord contents cover is needed
- How landlord liability insurance works
- Whether loss of rent cover applies after insured damage
- Whether rent guarantee or legal expenses cover may be useful
- What exclusions could affect a future claim
- Whether your cover meets lender or letting agent requirements
This matters because landlord insurance is not one standard product. Policy wording, exclusions, excesses, claim limits and tenant restrictions can vary between insurers.
Who This Page Is For
This page is for UK landlords who want help arranging or reviewing insurance for rental property.
It may be useful if you are:
- Letting out a former home
- Buying your first buy-to-let property
- Reviewing cover on an existing rental property
- Managing more than one rental property
- Letting to students, families or professionals
- Running an HMO or multi-let property
- Letting a furnished property
- Buying through a limited company
- Refinancing a rental property
- Reviewing insurance after a mortgage change
- Comparing cover before renewal
If you are new to letting property, read our first-time landlord guide before arranging cover. It explains the wider legal, mortgage and practical steps landlords should consider.
Who this page is for
This page is for people looking for development finance mortgage brokers in the UK.
You may be:
- A property developer planning a new build
- A landlord converting or improving a property
- A limited company buying land for development
- A builder seeking project finance
- An investor planning a refurbishment before sale or refinance
- A landowner looking to improve or develop a site
- A business owner involved in a mixed-use or commercial project
- A first-time developer who needs guidance before approaching lenders
If your project is already complete and you need long-term financing, you may need to work with commercial mortgage brokers instead. If you need short-term funding before works begin, bridging loan mortgage brokers may also be relevant.
What Can Landlord Insurance Include?
Landlord insurance can be built from different types of cover. Not every policy includes every feature, so it is important to check the policy wording.
Landlord buildings insurance
Landlord buildings insurance can cover the structure of the rental property against insured risks such as fire, flood, storm damage, escape of water or subsidence, depending on the policy.
This is often important if you have a buy-to-let mortgage because lenders usually expect the building to be insured.
Landlord contents insurance
Landlord contents insurance can cover items you provide for tenant use, such as furniture, carpets, curtains, white goods or appliances.
This is more relevant for furnished or part-furnished properties. Tenants usually need their own insurance for their personal belongings.
Landlord liability insurance
Landlord liability insurance can help protect you if a tenant, visitor or third party claims they were injured or suffered loss because of the rental property.
For example, this may become relevant if someone is injured due to a property defect and you face a legal claim.
Loss of rent cover
Loss of rent cover may help replace rental income if the property becomes uninhabitable because of an insured event, such as a fire or serious flood.
It does not normally cover every reason a tenant stops paying rent. Check the policy wording carefully.
Rent guarantee insurance
Rent guarantee insurance is different from loss of rent cover. It may help if a tenant falls into arrears, subject to checks, conditions and exclusions.
A broker can explain whether rent guarantee insurance is available for your tenancy type and what evidence may be needed if a claim is made.
Legal expenses cover
Legal expenses cover may help with certain legal costs linked to tenancy disputes, possession proceedings or contract issues, depending on the policy.
This can be useful for landlords who want extra support if a tenancy becomes difficult.
Accidental or malicious damage by tenants
Some policies include accidental damage. Others make it optional. Malicious damage by tenants may also be treated differently by each insurer.
A broker can explain the difference before you buy, so you know what is and is not covered.
Broker vs Comparison Site vs Direct Insurer
Landlords often compare insurance in three ways: using a broker, using a comparison site, or going direct to one insurer.
A comparison site may be useful for quick pricing, but it may not ask enough detail about property type, tenant type, HMO use, licensing, portfolio size or lender requirements.
A direct insurer can explain its own product, but it will not compare the wider market for you.
A landlord insurance broker can help you compare policy features, not just the premium. This can be important because the cheapest policy may not provide suitable protection for your property.
| Option | What it can offer | What to watch |
|---|---|---|
| Broker | Advice, market comparison, policy explanation and support | Check fees and commission disclosure |
| Comparison site | Quick quotes from selected insurers | May miss complex property risks |
| Direct insurer | Product information from one provider | Limited to that insurer’s policy range |
For landlords with HMOs, mixed-use properties, student lets, benefit tenants, asylum seeker tenants, short-term lets, multiple properties or previous claims, broker support can be especially useful.
Landlord Insurance for Portfolio Landlords
Portfolio landlords often need insurance that is simple to manage but still suitable for each property.
A broker can help review whether your properties should be insured separately or under a portfolio policy. This may depend on property type, location, tenant profile, ownership structure, claims history and insurer criteria.
Portfolio landlords may need to consider:
- Different property types
- Different tenancy types
- Multiple renewal dates
- Higher total rebuild values
- Void periods
- Multi-property claims exposure
- Lender requirements across different mortgages
- Limited company ownership
If you own several buy-to-let properties, you may also benefit from speaking with portfolio landlord mortgage brokers who understand how lenders assess multiple rental properties.
Landlord Insurance and Buy-to-Let Mortgages
If your rental property has a mortgage, your lender may require suitable buildings insurance.
Insurance does not replace mortgage advice, but it supports the wider buy-to-let journey. A landlord should think about mortgage suitability, rental income, tax, legal responsibilities, insurance and long-term property plans together.
If you are still researching buy-to-let finance, read our buy-to-let guide. It explains deposits, rental income, property types and landlord mortgage routes.
You can also use Connect Experts to find buy-to-let mortgage brokers if you need advice before buying, remortgaging or expanding your rental portfolio.
What a Landlord Insurance Broker May Ask You
A landlord insurance broker will usually ask questions before recommending cover.
This may include:
- Property address
- Property type
- Year built
- Rebuild value
- Current market value
- Number of bedrooms
- Whether the property is furnished
- Tenant type
- Monthly rent
- Tenancy agreement details
- Previous claims
- Security features
- Whether the property is an HMO
- Whether the property is empty or occupied
- Whether you have a mortgage on the property
- Whether you own the property personally or through a limited company
Accurate answers are important. If key details are wrong or missing, a future claim may be delayed, reduced or declined.
Why Use Connect Experts?
Connect Experts helps landlords find advisers across the UK.
You can search for an adviser based on what matters to you, including location, language, gender and area of expertise. This helps you find someone who understands your property plans and can explain the next steps clearly.
Landlords may use Connect Experts when they want:
- A landlord insurance broker near them
- A protection adviser who understands rental property
- A broker who can explain policy exclusions
- Support for HMO or portfolio landlord insurance
- Help reviewing cover alongside a buy-to-let mortgage
- A bilingual adviser
- Online, phone or face-to-face advice
You can also explore the UK mortgage adviser directory to compare advisers across other mortgage and protection areas.
For location-specific support, visit “Find a Broker by Location.”
How to Compare Landlord Insurance Brokers
Before choosing a landlord insurance broker, check that they can support your type of property.
Useful questions include:
- Do you arrange landlord insurance for my property type?
- Can you help with HMOs or multi-let properties?
- Do you compare more than one insurer?
- What cover is included as standard?
- What cover is optional?
- Are tenant damage, rent guarantee and legal expenses included?
- What exclusions should I understand?
- How are claims handled?
- Do you charge a broker fee?
- How are you paid?
- Can you help me review cover at renewal?
A good adviser should explain the policy clearly and help you understand why it may be suitable.
Landlord Insurance and Wider Protection Planning
Landlord insurance protects the rental property. Personal protection can help protect you, your income or your family if your circumstances change.
Landlords may also want to review life insurance, income protection, critical illness cover or mortgage protection, especially if rental income supports wider financial commitments.
You can find protection mortgage brokers through Connect Experts if you want to review personal protection alongside property insurance.
Find a Landlord Insurance Broker
A suitable landlord insurance policy should protect the property, reflect the tenancy and support your wider plans as a landlord.
Whether you own one rental home, an HMO, a holiday let or a larger portfolio, speaking with a broker can help you understand your options before you choose cover.
Use Connect Experts to search for landlord insurance brokers and protection advisers across the UK.
Browse Our Landlord Insurance Brokers
The advisers shown below may be able to support clients with a Landlord Insurance, depending on availability and specialism. Review each profile before making contact to choose an adviser with experience relevant to your needs.
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FAQ: Landlord Insurance Brokers
| Question | Answer |
|---|---|
| What does a landlord insurance broker do? | A landlord insurance broker helps property owners compare and arrange insurance for rental properties. They can explain cover options, policy exclusions, excesses, insurer requirements and claims processes. |
| Do I need landlord insurance if I rent out a property? | Landlord insurance is not usually a legal requirement, but standard home insurance is unlikely to be suitable once tenants live in the property. If you have a buy-to-let mortgage, your lender may require suitable buildings insurance. |
| Is landlord insurance the same as home insurance? | No. Home insurance is designed for owner-occupied homes. Landlord insurance is designed for rental properties and can include cover for landlord buildings, landlord contents, liability, loss of rent, legal expenses and other rental property risks. |
| What does landlord insurance usually cover? | Cover depends on the policy. It may include buildings insurance, landlord contents, property owner liability, loss of rent after insured damage, legal expenses, accidental damage or malicious damage by tenants. |
| Does landlord insurance cover rent arrears? | Not always. Rent arrears are usually covered only if you have suitable rent guarantee insurance and meet the policy conditions. A broker can explain what is included and what evidence may be required. |
| Do HMO landlords need specialist insurance? | HMO landlords usually need insurance that reflects HMO or multi-let use. Insurers may ask about licensing, number of tenants, shared facilities, fire safety and property management. |
| Can a broker help with multiple rental properties? | Yes. A broker may be able to help portfolio landlords review cover across several properties. This can make renewals easier and may help ensure each property is insured correctly. |
| What information will I need for a landlord insurance quote? | You may need the property address, rebuild value, property type, tenant type, rent amount, claims history, security details, mortgage details and whether the property is furnished, empty, licensed or used as an HMO. |
| How much does landlord insurance cost? | The cost depends on the property, location, rebuild value, tenant type, cover level, claims history, excess, optional extras and insurer criteria. A broker can compare suitable options based on your details. |
| Can I switch landlord insurance broker? | Yes. You can usually review your broker and insurance policy at renewal. Before switching, check cancellation terms, fees, claim history and whether the new cover matches your property needs. |
| Is Connect Experts a landlord insurance broker? | Connect Experts is a directory and matching platform. We help you find advisers and brokers. Insurance advice is provided by the adviser or firm you choose. |
Important Information
Connect Experts is a mortgage adviser directory and matching platform. We do not provide mortgage advice directly. Advice is provided by the adviser or company you choose.
We are an FCA-approved broker network and not a lender. Advisers may have access to a range of lenders. If a lender is introduced, commission may be received after completion. The commission amount may vary by lender and product, but it should not affect the amount you pay under your credit agreement.
A fee may be payable for arranging your mortgage. Your adviser will confirm the amount before you choose to proceed.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or loans secured on it.