Residential Landlord Insurance
Residential Landlord Insurance: Comprehensive Cover for Property Owners
Renting out a residential property comes with financial risks, from tenant damage and unpaid rent to legal disputes and unforeseen property repairs. Standard home insurance won’t cover rental properties, making Residential Landlord Insurance essential to safeguard your investment.
ABA Insurance provides specialist Residential Landlord Insurance, offering tailored protection for buy-to-let investors, HMO landlords, and property portfolio owners. Our policies cover buildings, contents, rental income loss, liability claims, and legal expenses, ensuring you can rent out your property with confidence.
What You Get
Liability
Fleet
Plant
Professional Indemnity
Legal
And more…
What is Residential Landlord Insurance?
Residential Landlord Insurance is a specialist property insurance policy designed to protect landlords from financial losses related to their rental property. It provides cover for building damage, tenant-related risks, legal claims, and lost rental income.
This insurance is essential for:
- Buy-to-let landlords renting to long-term tenants
- HMO (House in Multiple Occupation) landlords
- Property investors with single or multiple rental units
- Student accommodation landlords
- Holiday and short-term let property owners
Without the right cover, landlords could face expensive repair bills, legal fees, or unpaid rent losses due to unexpected issues.
Why Do You Need Residential Landlord Insurance?
Protection Against Property Damage
Tenants, natural disasters, and unexpected incidents can cause costly damage to your rental property. This insurance covers fire, flooding, storm damage, and vandalism.
Cover for Loss of Rental Income
If your property becomes uninhabitable due to an insured event, such as a fire or flood, business interruption insurance helps cover lost rental income while repairs are carried out.
Landlord Liability Cover for Tenant and Visitor Injuries
If a tenant suffers an injury due to a property defect, such as a broken staircase or faulty wiring, you could be held legally responsible. Public liability insurance covers legal costs and compensation payouts.
Rent Guarantee Insurance for Unpaid Rent
If a tenant fails to pay their rent, this cover ensures landlords continue to receive monthly rental payments, protecting their cash flow and mortgage commitments.
Legal Expenses Protection for Disputes and Evictions
If a tenant dispute leads to eviction proceedings or legal action, this insurance helps cover solicitor fees and court costs, ensuring a smooth resolution.
Compliance with Mortgage Lender and Legal Requirements
Most buy-to-let mortgage lenders require landlords to have specialist insurance as part of their agreement. This policy ensures compliance with financial and legal regulations.
What Does Residential Landlord Insurance Cover?
- Buildings insurance for property damage from fire, floods, and storms
- Landlord contents insurance for furnishings, appliances, and fixtures
- Loss of rental income cover for uninhabitable properties
- Public liability insurance for tenant and visitor injury claims
- Employers’ liability insurance for staff or maintenance workers
- Legal expenses cover for evictions and tenant disputes
- Rent guarantee insurance for missed or unpaid rent
- Accidental and malicious damage cover for tenant-related damage
- HMO landlord insurance for properties with multiple tenants
Get The Right Business Insurance
How We Get You The Right Landlords Contents Insurance Cover First Time Round
Concerned About Damage from Tenants?
Tenant damage can reduce your property’s value and rental potential. Our policy covers accidental, malicious, and structural damage.
Worried About Non-Paying Tenants?
Missed rent payments can impact mortgage repayments and cash flow. Our rent guarantee cover ensures landlords continue receiving income.
Need Protection Against Legal Disputes?
Evictions, deposit disputes, and tenant disagreements can lead to costly legal fees. Our legal expenses cover helps landlords resolve disputes efficiently.
Unsure If You Need Specialist Landlord Cover?
Standard home insurance does not cover rental properties. Our policy ensures landlords meet legal and financial requirements.
Looking for Cost-Effective and Flexible Cover?
We offer customised policies tailored to single-property landlords and large portfolios, ensuring affordable and comprehensive protection.
How Much Does Residential Landlord Insurance Cost?
The cost of Residential Landlord Insurance depends on:
- The size, type, and location of the rental property
- The level of buildings and contents cover required
- The rental income and risk of unpaid rent
- Security measures such as locks, alarms, and fire safety systems
- Previous claims history and overall risk assessment
ABA Insurance provides tailored policies at competitive rates, ensuring landlords receive the best protection for their rental properties.
Why Choose ABA Insurance for Residential Landlord Insurance?
- Industry expertise with specialist cover for landlords
- Flexible policies designed for buy-to-let and HMO landlords
- Competitive pricing with cost-effective insurance packages
- Fast quotes and an easy application process
- 24/7 support and claims assistance for hassle-free settlements
Client Testimonials
I cannot recommend this company highly enough. I have been a customer since April 2018 and the service I have received is outstanding. The staff are friendly and extremely helpful. Nothing is too much trouble. I would just like to say an extra thank you to Isabella for her customer service and commitment
Chris Baker
CEO/ Founder
Your Questions Answered
How do I know what level of cover I require?
Speak to one of our expects today who can guide you through understanding the levels of cover limits you may require. Call 01474 833 322.
What does Public Liability actually cover?
In short, this covers any damage you cause to any Third Party Property &/or Persons.
What does Professional Indemnity actually cover?
In short, this covers any claim that can come from any losses you may have caused your client or third party caused by the negligence of your professional services & advice you offer.
What is the difference between (BFSC) and (LOSC)?
A Bonafide Subcontractors is a supply and fit contractor that provides their own tools and materials. A Labour Only Subcontractor is pretty much an employee who you pay on a day rate and is under your supervision, direction & control.
What does Contractors All Risk actually cover?
Also referred to as Contract Works, this covers any damage/losses to your works in progress (on going works).
How can I get a quote from you?
Simple call us on 01474 833 322 and one of the team will assist you through a quick and easy experience.
Who do I contact if I have questions?
If you already have a policy with us, you can contact your account manager or alternatively call us on 01474 833 322 and a member of the team will be happy to help.
Why should I choose ABA Insurance?
We are a specialist brokerage within the Construction and engineering industry which means you only deal with a broker that understands your business. We advise on the best insurance solutions to help you in every way possible from advice, claims handling to any questions throughout your policy.
Who will deal with me at renewal?
The same person you delt with at the start. Our team want to make sure they know you and your business inside out. They are dedicated to you from new business all the way through to your renewal.
One Point Of Contact, Countless Ways To Help.
Get a Quote for Residential Landlord Insurance Today
Protect your rental property and income with Residential Landlord Insurance from ABA Insurance. Get a fast, no-obligation quote in minutes, or speak to our expert team for tailored advice.