Landlord Insurance

Have you got the right insurance policy for your rented property? Some landlords don’t realise that you need specific landlord insurance when renting your property out. Our sister company iInsure 365 will be able to ensure your property is covered correctly.


Have you got the right insurance policy for your rented property? Some landlords do not realise that you need specific landlord insurance when renting your property out. Our sister company iInsure365 will be able to ensure your property is covered correctly.


You do not have to worry about filling out long and lengthy forms to find cheap landlords’ insurance. With iInsure 365 you can speak to one of the team who will find a quote from their panel of providers. A landlord may have one or more properties in the United Kingdom that they rent out to others. It is important for landlords to spend time looking for the right cover. Make sure to find an insurance policy designed specifically for landlords.

We often find that a new landlord will think that a home insurance policy will suffice. This is not the case and often they will make a claim that the insurance company will almost certainly turn it down. Standard home insurance policies mostly cover homeowners or property owners, not landlords. If you stick with your normal home policy, you could find yourself with no cover at all.

Landlord building insurance tailored towards landlords and their specific requirements. We will ensure that we understand what you need for cover. Even eventualities such as alternative accommodation and loss of rental income.

Insurance cover you can trust.

iInsure 365 provide tailor-made cover to give you the protection you need. We have cover provided by Avia and the other major UK insurers. All this to be sure that we provide you with the best landlord insurance in the UK.

This is to ensure that both landlords and buy-to-let owners can get the coverage they need. We will compare the market for you, without compromising on the quality of cover.

Our clients know that they can rely on us for quick and simple solutions. We can issue documents on the same day we set up the policy. We provide simple landlords insurance that is easy to understand and comprehensive. Request a call back from either a commercial or residential landlord for a quote. We will call when suites you best. Being a landlord carries a whole range of risk and responsibilities.

Normal home insurance does not provide you with a full range of cover you need.

You need specific landlord building insurance to protect your investment or risk further financial losses. iInsure 365 understand that a landlord will want peace of mind as they cannot be at the property the whole time. So, it is imperative to have the best landlord cover possible. Our customers know this and trust us to compare insurance for them as we understand the pit falls open to buy-to-let landlords.

Why not look at our google reviews. Consistent five stars cannot be wrong with any of our clients? Why not call us on 01273 827090 or email us at We will be able to go through what your requirements are to your satisfaction.

Why not read their current reviews here.

Why iInsure 365?

We understand the buy-to-let industry more than most. We not only offer good value building and contents insurance. But we have an insight at the best ways of how to protect your investment by giving you the total peace of mind.

We have a panel of insurers that understand how to meet the needs of landlords by offering various types of policies for your rental properties. We can give you peace of mind that you have effective buildings and contents landlord’s insurance.

Comprehensive Cover.

Also, we offer comprehensive coverage for landlords throughout the United Kingdom, providing solutions for all types of landlords. Whether you are a new landlord or existing we can help you with our experienced staff. From insuring a single property to managing your portfolio of many properties.

Make sure that you get the right the cover for your home and buildings through our experienced team. It is our business to ensure that your property has bespoke service that compliments your needs.

Our highly trained staff access and cover all areas of concerns for you. We have over 20 years’ experience within the landlord sector and understand what people need. Moreover, you will never have to speak to a call centre. Above all, we treat all our customers with respect and a loyalty they deserve. Safe in the knowledge that their most valuable properties are with a highly trusted company. We manage anything from landlords building insurance, buy-to-let, commercial, blocks of flats, professional indemnity, contractors or risk policy, tenants’ contents insurance, right to manage, unoccupied properties and many more so do not hesitate to call us on 01273 827090.

What does Landlord insurance cover?

A standard landlord insurance policy can cover several situations, including the following if selected.

Building insurance

Damage to the building cause by fire, lightening, explosion, falling aircraft, earthquake, and riots. These can also include party fire and theft, repairing or replacing especially when involved in an accident. There sometimes can be a claims bonus and it may be something you could pay for monthly.

Contents insurance

Damage to or loss of, your possessions including white goods, carpets, fixtures, and fittings. This all depends on what sort of level of cover you take and then it will be the insurance premium. Sometimes the more the premium the more it covers the cost.

Property owner’s liability

Protects you if you are deemed liable for damage or injuries suffered by third parties at the property.

Alternative accommodation

Covers your cost if your tenants are forced to move out at a time during the damage to a property.

Accidental damage

Protects your buildings and belongings if your tenants damage your property unintentionally.

Malicious damage

Covers the cost of repair if your tenants intentionally damage your property – not always as standard. Normally an add on.

Employee’s liability

Protects you if you employ people in your property who then become injured due to a negligence.

Unoccupied property cover

Protects the property whilst it is unoccupied ie you are waiting for new tenants to move in.

How can you reduce the cost of landlord insurance?

The cost of landlord insurance sometimes depends on several factors, some of which will not be under your control. These are such as the tenant’s employment status and location of the property. However, thinking about the following can help you find cheaper landlord insurance quotes.

Property conditions

A property in good repair is less likely to need a claim and could mean lower premiums.

Security measures

Increased security measures also reduce the chance you would have to claim.

Level of cover

Taking out additional levels of cover will increase the overall price of the policy.

Your claims history

If you have made a high number of claims over the years you are likely to pay more.

Do I need contents insurance as a landlord?

You might need contents insurance as a landlord if you are supplying furniture, fixtures, and fittings for your tenants. For example, a landlords contents policy can help with free standing sofas and beds, floor coverings and electrical appliances. You can generally expect the following to be covered as either standard or as an add on and you should check.

Firstly, furniture such as sofas and cabinets.

Secondly, kitchen appliances like ovens or sinks.

Thirdly, curtains and carpets.

Paintings and pictures.

Light fittings.

Out buildings such as sheds or houses.

Gardens and garden contents.

Finally, communal areas – if you are letting your property out to multiple tenants.

You might also be able to claim for alternative accommodation for your tenants if any damage to your contents renders the property uninhabitable.

Can I get quotes insurance for multiple properties?

We offer the option of adding multiple properties to your policy. You may even be able to get a discount on your premiums as a result. However, you may find that you need to separate properties for each policy. It is always better to compare your options before committing to any individual insurance company.

Is landlord insurance a legal requirement?

Landlord insurance is not a legal requirement. However, you are putting yourself at considerable risk by not buying it if you rent your properties. You cannot use standard home insurance for a rental property. Any claims you make for a rental property on a regular insurance will be denied.

Quick, quality buy to let cover for landlords.

Buy to let landlords have serious responsibilities, and you need to have flexible insurance that protects you, your tenants, and your property. With iInsure 365 you can get just that. Your building insurance policy will have a range of key covers. You will get a single premium, a single renewal date and a single set of documents, all helping you to self-guard your investment.

Building insurance for landlords.

Whether you are commercial or a buy to let investor your property is the most important asset. But the asset faces a range of risks every day. Fire, flood, and countless other potential disasters mean that your property needs protection. We have various providers that can do this just for you. Safeguard your investment today and get on with enjoying the benefits.

Did you know that iInsure now do Home insurance?

The home insurance cover is as follows

  • Buildings cover to a maximum of £1,000,000
  • Alternative accommodation to 20% of the maximum claim limit for buildings
  • Replacement locks and keys £750
  • Removal of squatters £10,000
  • Trace and access £5,000
  • Property owners liability £2,000,000
  • Tree, shrubs, plants and lawns £1,500

Optional Cover Extensions

  • Accidental damage cover – Up to the buildings or contents maximum claim limit
  • Home emergency cover £1,000 per claim
  • Personal legal protection up to £50,000
  • Optional personal belongings cover
  • Maximum unspecified sum insured £20,000
  • Single limit item non cycled £2,500
  • Single limit item cycled £500
  • Personal money £750
  • Credit cards £500
  • Total maximum specified personal belongings £20,000
  • Single specified limit (non cycles) £10,000
  • Maximum combined unspecified and specified £20,000
  • Single specified limit (cycles £3,000)
  • Maximum all specified cycles £5,000
  • Maximum numbers of cycles £5,000

Contents as well as follows

  • Contents cover maximum claiming at £100
  • Theft of contents from an out building or garage £3,000
  • Loss of metered oil or water up to the maximum claim limit for contents
  • Owners and personal liability £2,000,000
  • Employers liability £10,000,000
  • Tenants liability 20% of the maximum claim for contents
  • Contents temporary removed up to the maximum claim limit for contents
  • Rent and alternative accommodation 20% of the maximum claim limit for contents
  • Wedding/birthday and religious increase £3,000
  • Missing persons belongings £1,000
Standard policy excess amounts 
  • Standard policy excess £100
  • Escape of water £250
  • Subsidence, heave or land slip £1,000

Compare building insurance quotes.

iInsure can compare multiple business insurance quotes from a range of leading insurers and get the policy that you require.

In addition, we also have an extensive news library. Please click here to browse through our latest news article. Click here to have an instant quote.

Do you have a block flats that you require insurance?

Block of flats insurance or block insurance is normally done by landlords or lessee’s own their own freehold. Flat management companies or Right to manage companies may also include this. Flats are designed and built-in various shapes and sizes. They need different insurance. We can deal with building insurance quotes for flats or apartments. This is often known as “block insurance”. Blocks of flats and building insurance can be difficult to do. We can make it extremely easy for you. Why not contact us to discuss it.

We understand that you may not know how to deal with building insurance. You might be a director of residential management company. You might have a Right to manage company. Maybe just a lessee holder. We can help you. You may be a resident who is trying to reduce their premium. We can organise the building insurance for your blocks of flats and hopefully reduce your premium.

You will need specialist insurance.

Regular building insurance policies will not provide you with the level of cover needed to ensure complete protection. Blocks of flats insurance is designed for a range of property types. This includes houses converted into flats. It also includes large purpose-built blocks. We can arrange a policy for you that covers your property. Iinsure 365 is a specialist broker of blocks of flats insurance. We are well known for providing cover for a whole range of purpose-built blocks. We also deal with insurance for converted properties. Normally, we can arrange cover on an all-risk basis. Cover can include fire, storm, flood, subsidence, and escape of water. Including accidental and malicious damage within the cost itself.

We offer comprehensive block insurance at competitive premiums. Working with a huge amount of household named insurers. We are specialist insurers to provide a wide range of insurance products.

We understand more than most that this can be a daunting task.

It is best for you to call us and we will go through exactly what you need. We may ask for a copy of your existing policy. This is to ensure that we give you a policy which covers your existing needs. Not all two policies are the same. Obtaining a like for like cover is impossible to do but we will ensure that you are comprehensively covered. There are many different types of properties from single residents to large investments blocks such as blocks of flats and commercial. There are also industrial and multi-location schedules. We can provide you with all of this.

Many lessee holders do not understand the law when it comes to dealing with building insurance. Managing agents have an added interest as they often receive commission from their insurance broker. This is not always the best cover and, on many occasions, not the best price. They will try their hardest to ensure that you are unable to find better cover at a cheaper price because they make money out of it. They may not even have to pay a proposition over to the freeholder. We will go into the market and find the best possible price and cover for you. Therefore, we are happy to disclose our commission at any point and any money received for your building insurance.

Did you know that the law allows you to ask your managing agent for full details of commission they receive for the insurance?

They often come up with excuses such as “the commission is there to pay for claims”, “this is part of our management fees”. However, this is often not the case. If there have been no claims, how can they charge a commission? You are entitled to know exactly the amount they receive and question it. You can go back up to 6 years and question the insurance if you believe you have been over charged a substantial amount. This can be a complicated process via the lessee hold valuation tribunal and you would need to employ a solicitor. Therefore, why not contact us for a quote and we can help you in this regard.

Letting Services

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google-review Review
Yasmin Bright
Yasmin Bright
20:54 01 Mar 24
I'm in a difficult situation at the moment with my landlord wanting to sell the flat that myself and my 3 children have been living in for 7 years. I came across Harringtons Viewings by applying to view some properties outside of my area.Unfortunately I haven't been able to sort anything with Harringtons, however I wanted to write this to say that they have been nothing but kind, warm and very understanding of my situation. I've been really impressed by their customer service (namely Georgie & Beth) and hope that they are able to find me something eventually!Thanks so much.Yasmin
17:30 22 Feb 24
Have been very accommodating and helpful when calling agents. They have been very helpful in being able to secure a house for students.
16:42 21 Feb 24
Went above and beyond to get things sorted for me
Brittany Stace
Brittany Stace
11:18 24 Jan 24
Harringtons have been incredibly helpful and supportive of us as new renters and they have been super efficient in getting all of the documents sent through and signed in such a short period of time. Thank you!
Georgie Prebble
Georgie Prebble
20:36 05 Jan 24
Jade Innes
Jade Innes
10:24 04 Jan 24
So far the service has been good. The staff are very friendly and quick to respond to any questions and requests.
Polly Smith
Polly Smith
11:17 28 Dec 23
we chose this letting agents as they chose a good bills company that is much cheaper than other agents. When viewing houses the staff were very friendly and have been very helpful in answering our questions and making the process as easy as possible.
Emma Howe
Emma Howe
16:06 14 Nov 23
I would rate Harringtons Lettings a 5/5. Very lovely on the phone and very quick and easy to communicate with via email. Any problems have been resolved in no time at all. So far so good!I found Harringtons via Rightmove.
Akwisitions Feedback
Akwisitions Feedback
16:25 30 Oct 23
Very responsive and super helpful throughout the process. Highly recommended!
Chloe Ballard
Chloe Ballard
17:28 02 Oct 23
Although I have only been renting with Harringtons for a short period of time, I have had nothing but a positive experience. From viewing to admin updates. The admin team especially are very polite and quick to respond and I have no doubt that the rest of my tenancy will run smoothly. I would recommend to anyone considering renting in brighton.
Matthew Ball
Matthew Ball
11:46 19 Sep 23
Professional communication with tenant although entirely impersonal. There was a bigger disconnect in their communication with the landlord in most cases, which seemed to be either slow or non-existent (discovered after contacting the landlord directly).Property was full of spider webs on day 1 despite apparently being professionally cleaned. Took a day off of work to clean it on move out day, leaving it cleaner than when it received but still had to pay part of the deposit for professional cleaning.It has been a while since I have rented, but I'll avoid letting agencies completely now if this is anything close to the average renting experience.
Ronan SK
Ronan SK
12:38 12 Sep 23
Great professionalism/communciation from the start up until the end of my tenancy. Definitely set the standards for what agencies should be like. Highly recommend to those within Brighton.
Daniel Sutton
Daniel Sutton
10:29 24 Aug 23
I have rented with Harringtons Lettings before and have always found the agents to be quick, efficient, friendly and helpful. I loved their service so much I have chosen to rent with Harringtons again. Faultless 😊
See All Reviews
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