Best Landlord Insurance Provider finalist
Discount Insurance was a finalist in the Insurance Choice Awards for Best Landlord Insurance Provider. We’re proud to have received 2nd place for the award, run by Smart Money People, the UK’s dedicated financial services review site.
You can read what our customers say about us on our Smart Money People review page.
What is landlord insurance?
As a landlord, there are many potential risks associated with letting your property. If your property or its contents are damaged, standard home insurance is unlikely to provide suitable cover. However, specialist landlord insurance can help to protect your rental property from various issues under one policy.
Having landlord insurance in place can help provide protection for the risks associated with renting out a property.
This insurance can help safeguard your property from various potential damages, including those caused by storms, fires, or other external or internal factors. It can cover buildings and landlords’ contents, in case of loss or damage resulting from an insured event. Additionally, landlord insurance may offer coverage for accidental damage, loss of rental income, emergency situations, and malicious damage caused by tenants.
| Terraced and end terrace houses | Semi-detached |
| Detached houses | Bungalows |
| Maisonettes | Flats |
| HMOs | Shared accommodation |
| Student accommodation | Unoccupied property |
What is covered by landlord insurance?
Landlord insurance covers a range of different perils. Discount Insurance’s landlord insurance can include the following:
- Buildings insurance - for the cost of repairing or rebuilding your property if it’s damaged or destroyed.
- Contents insurance - from furniture to fridges, contents insurance helps to protect free-standing contents inside the property against damage or loss.
- Property owner’s liability insurance - protection against third-party claims.
- Loss of rent or alternative accommodation cover - for lost rental income or alternative accommodation after an insured event if your property becomes uninhabitable.
- Malicious damage caused by a tenant - protection against intentional damage to the property caused by the tenant.
We also offer stand-alone Legal Expenses & Rent Guarantee insurance.
Policy limits and exclusions may apply, please see the policy wording for full terms and conditions.
30,000
Join over 30,000 landlords who
already trust us with their property insurance*.
RATED 'EXCELLENT'
Products and services from a
company rated 'Excellent' with over
4,000 customer reviews on Trustpilot*.
FINALIST
Best Landlord Insurance Provider
Finalist for Insurance Choice Awards 2024.
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Access to a panel of some of the leading UK property owners insurers, including Aviva, Allianz, AXA and Zurich.
*Correct as at September 2024.
Discount Insurance landlord policy benefits
The following policy benefits can be included with your cover:
- Loss of rent cover if your tenant(s) are no longer paying rent because your property becomes uninhabitable due to an insured event such as a fire or flood.
- Property owner’s liability of up to £5,000,000 to cover you for costs or damage that may be awarded to a member of the public should they suffer an injury on your property.
- Contents cover, which can be used to replace possessions belonging to the landlord, following damage caused by an insured peril.
- Cover for the cost of replacing locks and keys after a break-in or burglary.
- Cover for a wide range of tenant types.
- Cover for properties owned under a company name.
- Quotes are provided for unoccupied and occupied units, non-standard construction, and residential and commercial tenants.
What do our existing customers think?
Talk to our specialist team:
Our UK based team is here to help.
Monday - Friday: 9am - 8pm
Saturday: 9am - 1pm
Phone > 0800 294 4522
Call our insurance specialists during
office hours (calls are charged at local rate.)