Landlord Insurance FAQ's

Does a landlord insurance policy protect my tenants?

Discount Landlord Insurance offers Public Liability cover as part of our standard insurance package – this insures the landlords against all sums they are legally liable to pay in damages, claimants costs & expenses arising out of accidental injury to any person or accidental loss or damage to material property up to £5,000,000.

Tenant’s personal contents would not be covered within the Landlords Insurance policy – however we do offer a Tenants Contents Insurance which can cover these items together with any items the tenant has been legally made responsible for by the Landlord within their Tenancy Agreement. We also offer cover for personal possessions outside the property

Can a landlord insurance policy cover more than one property?

Yes, this kind of insurance is known as Portfolio insurance (Multi Property Insurance). It enables landlords to take out one insurance policy for their entire block of properties rather than a single policy for each individual property.

Our landlord Portfolio insurance allows you to manage all your properties under one block policy, we can add or remove any new or existing properties on a pro-rata basis as and when you require and as all properties are held under one annual renewal date renewing your block couldn’t be easier. Insuring your properties in this way could also result in significant premium savings.

Not all insurers provide this service but Discount Landlords can offer cover against all tenancy types together with UK Holiday Homes, Commercial & Commercial/Residential combined and Unoccupied properties.

Where can I get the best price on landlord insurance?

We understand how time consuming it can be searching for the best deals available. We believe that Discount Landlord provides competitive and comprehensive buy to let insurance for landlords. Policy cover is comprehensive and includes Public Liability, Accidental Damage and Loss of Rental Income as standard and to back up our belief that Discount Landlord offers a great deal if you find a cheaper quote elsewhere we’ll match the price or refund the policy in full within 28 days. Why don’t you take the Discount Landlord challenge?

What other landlord Insurance should I consider?

Legal Expenses and Rent Guarantee Insurance is designed to cover landlords against loss of rental income should their tenants fail to meet their rental obligations as set out in the terms of their Tenancy Agreement. It also offers Advisor costs of up to £10,000 per claim.

Note: Tenant Referencing is a requirement of this policy.

Commercial Property Insurance is designed for landlords who own and rent out properties for commercial use and Discount Landlord can provide buildings cover for both the commercial premises and any residential
flats above under one easy to manage policy.