Residential Lets/Landlords Insurance

What is Landlord or Property Owners Insurance?

Whether you have a second home you rent out, a portfolio of properties in different areas, or a whole block of flats we are here to help you.

Landlord or Property Owners Insurance is similar to normal household insurance cover except this is a policy specifically designed for buy to let properties.

This insurance offers similar cover to home insurance, protecting the building against common risks such as flood, fire, storms and burst pipes. Alongside this, it also covers you for the risks you face as a landlord when letting your property, such as rehoming your tenants into temporary accommodation and property owners liability.

Residential landlord insurance policies usually start with property owners’ liability cover, plus protection for your contents and the building itself. Rent protection is also a priority.

Is Landlord or Property Owners Insurance a Legal Requirement?

There's no legal obligation for a landlord to take out a dedicated insurance policy. However, a conventional home insurance policy will not cover you for rental activities, and if you have a mortgage on your property it is very likely that your lender will require you to take out insurance before you take on tenants.

What can it cover?

We can provide insurance cover for buildings, general contents, in respect of residential, commercial, property land multi-property landlord insurance.

We know the information our Insurers will require, so we will ask you some simple questions in order to tailor your policy to your own personal requirements.

Providing tenants with a property to live in is a big responsibility and Morris Insurance Brokers Ltd want you to have the peace of mind to know that your rental property is protected.

Please get in touch with us today, so we can help you with your Property Owners Insurance.

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