Landlord insurance vs home insurance: what is the difference?
Home insurance assumes owner-occupation. Letting without notifying the insurer breaches the duty of fair presentation.
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
Accidental landlords and anyone moving out and renting a former home.
Must-have cover points
- Cancel or convert home policy to landlord wording before tenants move in
- Match policyholder name to owner on title
Watch out
One lodger may be acceptable on some home policies; check wording.
How this compares
Lenders require landlord buildings cover, not residential home cover.
FAQs
Can I switch mid-renovation?
Notify insurer of change of use and occupancy; unoccupied periods may need a different class.
Does landlord insurance cover my personal belongings left behind?
No - remove valuables; landlord contents only covers items you let with the property.
Related compliance
Insurance sits alongside licensing, safety certificates and tenancy compliance.
More scenarios
