Best buildings-only landlord insurance
Buildings-only suits unfurnished lets where you do not insure tenant-owned contents (tenants arrange their own).
Not financial advice. Insurance is a regulated product. Compare quotes from FCA-authorised firms only.
LetCompliance is landlord software from £7.99 a month that runs the whole let (the advert, the tenancy, the rent and the tax). It records every policy against the property with its renewal date and reminds you 90, 30 and 7 days before it renews. It is not an insurer or a broker, and does not sell insurance. Get started
Who this is for
Unfurnished single lets and light-touch landlords insuring structure and liability only.
Must-have cover points
- Reinstatement value indexation
- Flood and subsidence where eligible
- Trace and access for leaks
Watch out
If you supply appliances, confirm whether they fall under buildings or need contents.
How this compares
May need specialist cover and approved repair methods.
FAQs
Is buildings insurance mandatory?
Not by law, but mortgage lenders require it. Cash buyers should still carry buildings cover for catastrophic loss.
Market value vs rebuild cost
Insure rebuild cost, not sale price. Use a RICS rebuild calculator or surveyor figure.
Related compliance
Insurance sits alongside licensing, safety certificates and tenancy compliance.
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