Why it matters
What Landlord Insurance means for a landlord
Letting a property on ordinary home insurance can void the policy, leaving a landlord personally exposed to a major buildings claim or a liability suit. Mortgage lenders normally require buildings insurance as a condition of lending, and public liability protects against claims if a tenant or visitor is injured. Insurance is not legally mandatory in itself (except where a mortgage or lease requires it), but running a let without adequate cover is one of the largest uninsured risks a landlord can take.
Worked example
How it plays out
Sophie lets a house in Derby. Her home insurer tells her the ordinary policy does not cover a let property, so she buys landlord insurance with buildings cover, property owner’s liability, and loss of rent cover in case the house becomes uninhabitable after an insured event such as a fire.
Common mistakes
Where landlords go wrong
- 01Letting on a standard home insurance policy.
- 02Not telling the insurer about tenants on benefits, students or an HMO if the policy asks.
- 03Assuming legal expenses cover is included.
What to do
A short checklist
- Tell your insurer the property is let.
- Check the policy covers your type of tenant and letting.
- Read the exclusions for empty periods.
Sources
Checked against these sources on 16 September 2026. A guide to the rules in England, not legal advice: for a dispute or a possession claim, speak to a solicitor.
