Landlord Insurance

Landlord insurance is designed to give you cover if you’re renting a property out to tenants.

With an Urban Jungle Landlord Insurance policy, you can choose if you want to cover your property against loss or damage to the building, its contents, or both.

You can also customise your policy with add-ons like Home Emergency Cover, Landlord Legal Expenses, or Rent Guarantee.

Landlord Insurance

Landlord insurance is designed to give you cover if you’re renting a property out to tenants.

With an Urban Jungle Landlord Insurance policy, you can choose if you want to cover your property against loss or damage to the building, its contents, or both.

You can also customise your policy with add-ons like Home Emergency Cover, Landlord Legal Expenses, or Rent Guarantee.

What is Landlord Insurance?

Landlord insurance is designed for property owners who are renting out to tenants. They’re a lot like other home insurance policies because they can cover both the building and the contents of a landlord’s property.

As the landlord, you’ll decide whether you need Buildings Insurance, Contents Insurance, or both Buildings & Contents Insurance. With Urban Jungle Landlord Insurance you can choose whichever option works best for you.

What is Buildings Insurance for landlords?

Your landlord Buildings Insurance policy would be used to cover the cost of repairing the structural parts of your property if something unexpected were to happen. Things like the walls, windows, and the roof of your home are designed to be covered by buildings insurance. It’s also designed to cover permanent fixtures like fitted kitchens and bathrooms.

What is Contents Insurance for landlords?

Landlord Contents Insurance policies are designed to cover the things you put in the property for your tenants. So that could include furniture you provide for your tenants like beds, desks, or sofas.

What does Landlord Insurance cover?

What your landlord home insurance covers will depend on the policy you get, but here are some of the things a landlord insurance policy could cover for you.

It would usually cover you for loss or damage to your buildings or contents because of/for…

  • Leaks
  • Subsidence
  • Fallen trees and branches
  • Accidental damage to the building
  • Alternative accomodation for tenants
  • Fire damage
  • Storm or flooding damage
  • Theft
  • Vandalism
  • Loss of rent
  • Landlord Liability Cover
  • Leaks
  • Subsidence
  • Fallen trees and branches
  • Accidental damage to the building
  • Alternative accomodation for tenants

What is not covered by Landlord Insurance?

The things that your landlord house insurance policy can’t cover will depend on which specific policy you have.

Here are some of the more common features that aren’t included in Landlord Insurance:

  • Wear and tear
  • Mechanical or electrical faults
  • Loss or damage when your home isn’t occupied for over 30 consecutive days
  • Damage to fences from storms, falling trees, or leaks

Here are some of the more common features that aren’t included in Landlord Insurance:

  • Wear and tear
  • Mechanical or electrical faults
  • Loss or damage when your home isn’t occupied for over 30 consecutive days
  • Damage to fences from storms, falling trees, or leaks

Do you need Landlord Insurance?

If you’re wondering, “is landlord insurance mandatory?” - there’s no law saying that you must get landlord insurance.

As the landlord, though, it’ll generally be your responsibility to arrange for cover for the building you own and your tenants live in - you can read 'What is a landlord and what are their responsibilities?’ for more info. For that, buildings insurance could be the cover you’ll want.

If you’ve left your property completely empty and have no belongings in it, you may not need landlord contents insurance. But, if you have some of your things in the place you’re renting out, getting contents insurance could come in handy.

How much is Landlord Insurance?

The cost of landlord insurance won’t be the same for everyone - it depends on what policy you need and your specific situation.

If you’re looking for a landlord buildings insurance policy, then the landlord insurance cost will usually depend on how much it would cost to rebuild your property.

If you’re looking for a landlord contents insurance policy, then the main factor will be the value of all the belongings you have in your property for your tenants.

If you’re looking for a Buildings & Contents insurance policy? Then you guessed it! It’ll be based on a combination of both the rebuild cost of your property and the value of your contents.

The cost of landlord insurance won’t be the same for everyone - it depends on what policy you need and your specific situation.

If you’re looking for a landlord buildings insurance policy and wondering, then the landlord insurance cost will usually depend on how much it would cost to rebuild your property.

If you’re looking for a landlord contents insurance policy, then the main factor will be the value of all the belongings you have in your property for your tenants.

If you’re looking for a Buildings & Contents insurance policy? Then you guessed it! It’ll be based on a combination of both the rebuild cost of your property and the value of your contents.

Customise your cover

Get the best Landlord Insurance for you by adding and removing any cover you like from Urban Jungle’s policies.

Let Home Emergency Cover

Let Home Emergency Cover can give you help from professional tradesmen to deal with a range of emergency incidents. This is to make sure your tenants can continue to stay in your property. It can include help for boiler breakdown, failure of electrical power, or blocked toilets.

Landlord Legal Expense Cover

This optional add-on provides £100,000 of legal cover andcan help landlords through legal situations relating to the letting of the property. For example, it could help if you’re having issues with Property Infringement.

Rent Guarantee

Landlord rent guarantee insurance can cover you for rent that you’re owed by your tenant. It applies when the rent is owed under a tenancy agreement and could cover up to the maximum amount you’re owed under the policy limit.

Why choose Urban Jungle for Landlord Insurance?

We make insurance that is fair, simple and created for the times we live in. We know you’ve got a million and one things you’d rather be doing, so we’re making it easy to get clear and trusted cover so you get back on with your life.

Clear, fair prices

Unlike some other insurance providers, we don’t charge interest on your Urban Jungle Insurance policy if you pay monthly.

Covered in minutes

We want to make things as quick and easy as possible, no baffling questions, just a few simple details – we won’t ask how flat your roof is!

Tweak your package

Design your Landlord Insurance policy to suit you. Add the coverage you need, take off what you don’t and make changes whenever you need online for free.

Here’s how it works

1

Give us a few details

Just a few quick and easy questions about your current setup. No unnecessary questions from us.

2

Customise your package

Create a policy to suit your needs, like adding Let Home Emergency Cover. Never pay for cover you don’t need.

3

Relax. You’re covered

You’re all set! You’ve organised your new Landlord Insurance policy.

Get covered

Here when you need us

Need a hand or got a question? No problem. Our team of experts are here to help on live chat or by phone. Or take a look at our FAQs.

Our FAQs Get in touch

Not quite right? Find the policy that’s right for you.

Urban Jungle’s Landlord Insurance policy is administered by Uinsure and underwritten by a panel of insurers including Ageas, AXA, RSA, UK General and Zurich.