ALDIUM Insurance
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Property Owners Insurance
Residential Landlord Insurance
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Get a Landlord Insurance QuoteComplete the form — a specialist will be in touch promptly. |
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What Is It?
What Is Residential Landlord Insurance?Residential landlord insurance is specialist cover for owners of houses and flats that are let to tenants. Standard home insurance is designed for properties you live in — it does not cover the risks of a let property and a claim can be declined if your insurer discovers the property is tenanted. A residential landlord policy combines buildings insurance, property owners liability, loss of rent and legal expenses into one policy — structured around the realities of being a landlord rather than an owner-occupier. Aldium Insurance arranges residential landlord policies for single buy-to-let investors, accidental landlords and portfolio holders across the UK. As an independent broker we are not tied to any insurer — we find the right policy for your property and your tenant type. |
Definition
"Residential landlord insurance is specialist property cover for let homes and flats — combining buildings protection, liability cover, loss of rent and legal expenses into one policy designed for landlords rather than owner-occupiers." |
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Independent Broker
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Whole of Market Access
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Dedicated Account Handler
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Claims Support
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Buildings InsuranceCovers the structure of your let property against fire, flood, storm, escape of water, subsidence and accidental damage. Must be set at full rebuild cost, not market value. |
Property Owners LiabilityProtects you if a tenant, visitor or third party suffers injury or damage as a result of your property. Covers your legal defence costs and any compensation awarded. |
Loss of RentPays your rental income if the property becomes uninhabitable following an insured event. Major claims can take 18–24 months to resolve — a generous indemnity period is essential. |
Legal ExpensesCovers costs for eviction proceedings, rent arrears recovery, deposit disputes and disrepair claims. Landlord legal costs can easily exceed £20,000 — this cover transfers that risk. |
Landlord ContentsCovers fixtures, fittings and furnishings you have provided as the landlord. Separate from your tenants' own belongings, which are their own responsibility to insure. |
Accidental DamageCovers unintentional damage by tenants — cracked baths, burnt carpets, broken windows. Particularly recommended for student lets and furnished properties. |
Malicious DamageCovers deliberate damage caused by tenants before vacating. Not always included as standard - check your policy wording carefully |
Employers LiabilityLegally required if you employ any staff — cleaners, gardeners or maintenance workers. Applies to casual and part-time employment. Minimum £5 million required by law. |
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Who Needs It
Who Needs Residential Landlord Insurance?Any owner of a residential property that is let to tenants needs specialist landlord insurance. The type of tenant you let to affects the risk profile and the cover you need.
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Why Aldium
Why Choose Aldium?Independent. Specialist. On Your Side.Whole of market access — not tied to any insurer or panel. We find the right policy for your property.
Landlord specialists — we understand buy-to-let risks, tenancy law and the cover that genuinely matters.
Portfolio experience — from a single flat to dozens of properties, we structure cover around your portfolio.
Claims support — when a claim happens, our team manages the process on your behalf.
FCA regulated — authorised and regulated by the Financial Conduct Authority.
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Is landlord insurance a legal requirement?No, but it is effectively essential. Your mortgage lender will require buildings insurance, and operating without liability cover exposes you to potentially unlimited financial risk. Employers liability is a legal requirement if you employ any staff. |
Can my standard home insurance cover a let property?No. Standard home insurance is underwritten for owner-occupiers. If your property is let and you claim on a standard policy, your insurer may decline the claim or void the policy entirely. You need specialist landlord insurance from the moment the property is let. |
What is loss of rent and why does the indemnity period matter?Loss of rent cover pays your rental income if the property becomes uninhabitable. The indemnity period is how long payments continue — major claims like fire or flood can take 18–24 months to resolve, so a 24-month period is strongly recommended. |
Should I insure at rebuild cost or market value?Always rebuild cost — the cost of demolishing and rebuilding from scratch. This is typically lower than market value in most areas. Insuring at market value could lead to underinsurance and leave you in financial difficulty if a claim doesnt cover the costs. A RICS reinstatement valuation is recommended for peace of mind. |
What happens if my property is vacant between tenancies?Most landlord policies restrict or suspend cover after 30–45 consecutive days of vacancy. If your property is empty for longer, notify your insurer and consider specialist unoccupied property cover to avoid a gap in protection. |
Can I cover multiple properties on one policy?Yes. A portfolio policy typically achieves better rates per property than individual policies, with one renewal date and one point of contact. We arrange portfolio cover for landlords with multiple properties across residential, commercial and mixed assets. |
Independent advice and a tailored quotation from a specialist who understands buy-to-let. No comparison sites — just straight-talking expert guidance.
| Get a Landlord Quote | Call 0151 336 5881 |
| Independent Broker | FCA Regulated | Landlord Specialists | UK Based Team | Claims Support |
