Landlord Insurance: Protecting Your Property Investment
Securing your income and your investment. Compare Quote Save is your London-based Landlord Insurance broker, providing competitive and comprehensive policies for single properties and large portfolios.
What is Landlord Insurance?
Landlord Insurance (also known as Buy-to-Let insurance) is a specialist form of property insurance designed to cover the specific risks faced by owners who rent out residential or commercial premises. Unlike standard home insurance, these policies include essential protections for rental income and legal liabilities associated with tenants and the public. Based in London, Compare Quote Save helps property owners ensure their portfolio is protected against financial loss. If you would like to discuss your landlord insurance needs, contact the Compare Quote Save team today on 0208 539 6010.
Essential Landlord Insurance Cover
A comprehensive CQS Landlord policy includes essential covers that safeguard both your property’s structure and your financial stability as a rental provider.
Buildings Insurance: Covers the cost of repairing or rebuilding your property following damage from fire, storm, flood, or escape of water.
Property Owner’s Liability: Protects you if a tenant or member of the public suffers injury or property damage due to an alleged defect in the rental property.
Loss of Rent/Alternative Accommodation: Crucial cover that replaces lost rental income if the property becomes uninhabitable following an insured event.
Landlord Contents: Covers items you own and provide for the tenant’s use (e.g., carpets, white goods, or furnishings in a fully furnished flat).
Malicious Damage by Tenants: Optional but vital cover for deliberate damage caused by tenants, which is typically excluded from standard policies.
Who Needs Landlord Insurance?
Anyone who earns an income from renting a property needs specialist Landlord Insurance, whether they own a single flat in London or manage a portfolio of houses nationwide.
Target Clients: Private buy-to-let investors, property management companies, limited company landlords, and owners of Houses in Multiple Occupation (HMOs).
How CQS Helps: Whether you have standard long-term tenants, student lets, or are dealing with vacant properties, Compare Quote Save ensures your policy accurately reflects the tenancy agreement and property usage. We compare quotes from leading Landlord insurers to find you a policy that manages all associated risks while providing the excellent value expected from your London insurance broker.
Frequently Asked Questions about Landlord Insurance
To give you complete confidence in your property’s stability, we’ve compiled answers to the most common questions we receive regarding tenant types, coverage for malicious damage, protecting rental income, and how to manage portfolio risks. If you can’t find the specific information you need below, call us on 0208 539 6010 and our expert team will be more than happy to help.
No, standard policies typically exclude commercial or short-term holiday letting. If you plan to use platforms like Airbnb, you must notify Compare Quote Save to arrange specialist Short-Term Let Insurance.
Terrorism cover is almost always excluded but can usually be added as an optional extension, which we recommend for properties in high-density areas like London. Cyber risk is typically not included.
No. Insurance is designed to cover sudden and unforeseen events (e.g., fire, flood). It does not cover routine maintenance, breakdowns, or damage caused by wear and tear over time.
Potentially, yes. Most policies require you to comply with all relevant UK property legislation. Failure to maintain a valid Gas Safety Certificate could void a claim if an incident resulted from a fault.
Yes, but this often comes with specific restrictions and higher excesses. Compare Quote Save will work with you to find a policy that balances cover with cost.
Yes. For landlords with multiple properties, Compare Quote Save can arrange a Property Portfolio Policy, which offers a single renewal date and simplified administration, often leading to better terms. If you would like to discuss your options for a Property Portfolio Policy, you can contact a member of the team today on 0208 539 6010 and we will be more than happy to advise you.
Ready to Cover Your Property and Rental Income?
Don’t leave your property investment to chance. Contact the specialist team at Compare Quote Save today to discuss your Landlord Insurance needs. Our London-based brokers are here to provide tailored advice and secure a competitive, no-obligation quote. Call the Compare Quote Save team on 0208 539 6010 or fill out our online quote form to get started.
