Comprehensive Landlord & Property Owners Insurance
Protect your rental portfolio with tailored landlord insurance. From single lets and HMOs to large multi-let portfolios, we provide comprehensive cover that protects your property, your income, and your liability.
What is Property Owners Insurance?
Landlord insurance is a specialist policy designed to protect property owners who rent out their homes. Unlike standard home insurance, landlord policies are specifically tailored to cover the unique risks associated with letting properties, including loss of rental income and tenant-related liabilities.
At Dixons Commercial Insurance Brokers, we understand that your property is a significant investment. We work with leading UK insurers to provide flexible, comprehensive cover for accidental landlords, professional portfolio landlords, and HMO operators.
Whether you own a single buy-to-let flat or a large portfolio of commercial and residential properties, we can arrange a policy that meets your exact requirements and your mortgage lender's criteria.
Key Benefits of Landlord Insurance
- Specialist landlord buildings cover
- Landlord contents insurance
- Property owners liability (up to £5m)
- Loss of rent & alternative accommodation
- Legal expenses & eviction costs
- Malicious damage by tenants
- Home emergency cover
- Accidental damage options
- Unoccupied property cover
- Portfolio & multi-let discounts
Top Tips for Property Owners
Keep your rental property compliant, safe, and protected with these essential maintenance and legal checks.
Gas Safety Certificate
Annual gas safety checks by a Gas Safe registered engineer are mandatory. Keep CP12 certificates up to date and provide copies to tenants.
Electrical Safety (EICR)
Electrical Installation Condition Reports required every 5 years. Ensure all electrical installations are safe and maintained.
Roof & Gutter Inspections
Schedule annual roof inspections, especially for flat roofs. Clean gutters regularly to prevent water damage and costly repairs.
Smoke & CO Alarms
Install smoke alarms on every floor and carbon monoxide alarms in rooms with fixed combustion appliances. Test regularly.
Boiler Servicing
Annual boiler servicing is essential for safety, efficiency, and maintaining your warranty. Keep all service records.
Legionella Risk Assessment
All landlords must assess and control legionella risks. Simple measures like flushing systems and keeping records are essential.
EPC Rating
Energy Performance Certificates must be rated E or above for new tenancies. Valid for 10 years and must be provided to tenants.
Tenant Deposit Protection
Protect deposits in a government-approved scheme within 30 days. Provide prescribed information to avoid penalties.
Detailed Inventory
Conduct thorough inventory checks at move-in and move-out with dated photos. Essential for deposit disputes and damage claims.
Right to Rent Checks
Verify all tenants' immigration status before letting. Failure to conduct checks can result in significant fines.
Furniture Fire Safety
All upholstered furniture must meet fire resistance regulations. Keep labels and documentation as proof of compliance.
Accurate Rebuild Value
Ensure your buildings insurance reflects the current rebuild cost, not market value. Get a professional rebuild cost assessment to avoid underinsurance that could invalidate claims.
⚠️ Stay Compliant, Stay Protected
Regular maintenance and safety checks not only keep your tenants safe but also protect your insurance coverage. Failure to maintain legal compliance could invalidate your policy. Speak to our team to ensure you have the right cover in place.
Insurance for Every Type of Rental Property
We provide specialist landlord insurance solutions for all types of residential and commercial lettings across the UK.
Single Let Properties
Comprehensive cover for standard buy-to-let properties rented to a single household or family. Ideal for accidental and professional landlords.
HMO Insurance
Specialist cover for Houses in Multiple Occupation (HMOs). Tailored for properties rented to 3 or more unrelated tenants sharing facilities.
Multi-Let & Portfolio
Flexible portfolio landlord insurance covering multiple properties under one scheme. Simplifies administration and often reduces overall premiums.
Student Accommodation
Specialist cover for student lets, including purpose-built student accommodation (PBSA) and shared houses near universities.
Holiday Lets
Protect your short-term rental income with specialist holiday let insurance, covering public liability, contents, and loss of bookings.
Commercial Property
Insurance for landlords letting to commercial tenants, including shops, offices, and industrial units. Covers buildings and liability.
Common Areas
Specialist cover for shared spaces in apartment blocks and multi-let properties. Protects communal areas, lifts, gardens, and shared facilities. Learn more about common areas insurance.
Legal Expenses & Rent Guarantee
Comprehensive protection covering legal costs, eviction expenses, and rental income loss. Essential cover for tenant disputes and arrears. Find out more.
Why Choose Dixons for Landlord Insurance?
With over 40 years of experience insuring property owners, we combine deep market knowledge with a personal approach to protect your portfolio.
Tailored Cover
We assess your specific property type and tenant profile to recommend the right level of cover.
Competitive Rates
Our extensive panel of specialist landlord insurers ensures you get the best value for your portfolio.
Fast Quotes
Quick turnaround times for single lets, HMOs, and large portfolio quotes. Often within 24 hours.
Claims Support
Expert guidance when you need it most. We advocate for you to ensure a fair and fast claims settlement.
Landlord Insurance Explained
Yes. Standard home insurance policies will not cover you if you rent out your property. If you make a claim on a standard policy while the property is let, the insurer may refuse to pay. Specialist landlord insurance is essential to protect your building, contents, liability, and rental income.
Landlord buildings insurance covers the physical structure of the property (walls, roof, floors) against risks like fire, flood, and subsidence. Landlord contents insurance covers items you own within the property that are provided for the tenant's use, such as furniture, appliances, and carpets. Tenants are responsible for insuring their own personal belongings.
Yes, most comprehensive landlord policies include Loss of Rent cover as standard or as an optional extra. This protects your rental income if the property becomes uninhabitable due to an insured event (like a fire or flood) and your tenants have to move out while repairs are carried out.
Absolutely. We specialise in arranging cover for Houses in Multiple Occupation (HMOs) and multi-let properties. These require specialist underwriting due to the higher risk profile, and we work with insurers who specifically understand the HMO market.
The cost depends on several factors including the property's location, rebuild value, age, construction type, the type of tenants (e.g., professionals vs. students/HMO), and the level of cover required. We compare rates across our panel to find the most competitive premium for your specific situation.
Malicious damage by tenants is often available as an optional extra on landlord policies. Given the potential cost of repairing deliberate damage, we highly recommend adding this cover, especially for HMOs and student lets.
Ready to Protect Your Property Portfolio?
Complete the form below and our experienced team will come back to you with a competitive quote for your landlord insurance.
Get a Landlord Insurance Quote
Fill in the form below and our experienced team will get back to you with a competitive quote for your property.
Prefer to call? Speak to us on 01727 736 970