Landlord Insurance

What Is Landlord Insurance?

Landlord Insurance is a tailored type of property insurance designed specifically for rental properties. Unlike standard home insurance, it includes protection for the unique risks faced by landlords — such as tenant damage, loss of rental income, and legal liabilities.

Core Cover Options

• Buildings Insurance: Protects the structure of your property

• Contents Insurance: Covers furnishings if the property is let furnished

• Loss of Rent Cover: Reimburses rental income if the property becomes uninhabitable

• Landlord Liability Insurance: Protects you if a tenant or visitor suffers injury or damage

• Legal Expenses Cover: Helps cover legal fees in case of disputes with tenants

• Accidental or Malicious Damage Cover: Optional, for unexpected tenant-related damage

Why Is It Important?

Owning a rental property comes with risks — and standard homeowner insurance often doesn’t cover tenant-related situations.

From boiler breakdowns to burst pipes, property damage to eviction costs — landlord insurance ensures you’re not left financially exposed. For many landlords, even one major incident could wipe out months of income or cause legal complications.

If you’re relying on rental income as part of your financial planning or mortgage strategy, this cover becomes essential, not optional.

Who Needs Landlord Insurance?

Landlord Insurance is essential for:

• Individuals renting out buy-to-let properties

• Accidental landlords (e.g. inherited or let-out former homes)

• Overseas property owners with tenants in the UK

• Landlords with multiple properties or HMO (House in Multiple Occupation) portfolios

• Landlords renting to students, professionals, or DSS tenants

Whether you’re self-managing or working through an agent, landlord insurance keeps your asset — and your cash flow — protected.

How Does the Process Work?

At Matwill Capital, we help landlords secure the right cover in five clear steps:

1. Property Assessment
   We gather details about your property type, tenants, location, and income.

2. Needs Review
   Based on your setup, we advise on the appropriate covers (e.g. liability, loss of rent, furnished vs unfurnished).

3. Market Comparison
   We search across trusted insurers who specialise in landlord policies — balancing premium vs protection.

4. Policy Setup
   We assist with underwriting, tenancy details, and aligning the policy start with new or existing tenancy agreements.

5. Ongoing Adjustments
   If you change tenants, refinance, or expand your portfolio — we update your cover to stay aligned.

Client Success Story

One Flood, No Income Lost

In 2023, our client Adam — who owns a 2-bedroom buy-to-let in Bristol — experienced severe water damage after a pipe burst in winter while the property was vacant between tenancies.

Thanks to having loss of rent and buildings cover, the insurer paid for full repairs and compensated him for three months of lost income. Without it, he would’ve faced a £12,000 financial gap.

“This could’ve been a disaster — but the payout came fast, and I was able to refurbish and re-let with no long-term loss. Matwill really delivered when it mattered.”
— Adam L., Bristol

Frequently Asked Questions

Is landlord insurance legally required?
No, but most buy-to-let mortgage lenders require at least buildings cover. Liability and loss of rent cover are strongly recommended.

Can I use regular home insurance if I rent out my property?
No. Standard home insurance typically becomes invalid once tenants move in. Landlord-specific insurance is essential.

Do I need contents cover if the property is unfurnished?
Not necessarily — but if you provide appliances or fixtures (e.g. carpets, curtains), you may still want limited contents protection.

Does it cover tenant rent arrears?
Only if you add rent guarantee insurance (separate or as an add-on). We can help you explore this option if tenant default is a concern.

Can I cover multiple properties under one policy?
Yes. We offer portfolio policies for landlords with more than one property — often with cost and admin savings.

Why Choose Matwill Capital?

• Access to specialist landlord insurers across the UK

• Tailored advice for first-time, overseas, and portfolio landlords

• Assistance with setup, mid-term changes, and claims

• Clear explanations — no jargon, no pressure

• Authorised, trusted, and focused on long-term value

Protect What Matters — Get Insured Today

Let’s Protect Your Property Investment.
Whether you own one flat or five houses, we help you secure the right protection — so you can rent with confidence.