Landlord Insurance UK Compare Quotes for Your Property or Portfolio
Whether you own one buy-to-let property or manage a larger portfolio, Peacock can compare landlord and property owners insurance quotations available from our panel of insurers, based on the information you provide.
- Single properties & portfolios
- HMOs considered
- Childcare premises considered
- Residential & specialist property risks
Quotes and cover are subject to eligibility, underwriting and insurer terms, conditions, limits, excesses and exclusions. Peacock compares products available from its insurer panel and does not compare every insurer in the UK.
What is Landlord Insurance?
Landlord Insurance is property insurance designed for homes and other buildings that are owned and let to tenants. It is sometimes also described as Property Owners Insurance or Buy-to-Let Insurance.
Standard home insurance is normally designed around an owner-occupied property. Once a property is let, the occupancy, liability exposure and potential loss-of-rent risk can be different.
Depending on the policy selected, landlord insurance can include protection for the building, Property Owners' Liability, insured loss of rent and optional extensions such as accidental damage, malicious damage, legal expenses or rent guarantee.
Peacock is an insurance broker rather than an insurer. We can consider your requirements against products available from our insurer panel and provide quotations based on the information you give us.
Peacock can arrange landlord insurance across the UK for individual properties and property portfolios , including eligible specialist property risks.
What types of property can Peacock consider?
Peacock can consider straightforward residential buy-to-let properties together with a range of more specialist property-owner risks, subject to insurer acceptance and underwriting.
What can Landlord Insurance cover?
The precise protection depends on the insurer and policy selected. Common landlord and property owners insurance options can include:
Buildings Insurance
Protection for the insured building against specified events including fire, storm, flood, escape of water and other insured causes of damage.
- Appropriate rebuild value required
- Policy excesses and exclusions apply
- Cover varies between insurers
Property Owners' Liability
Can respond to eligible claims where you become legally liable for third-party injury or property damage arising from ownership of the insured property.
- Indemnity limits vary
- Legal liability must fall within the policy
- Terms and exclusions apply
Loss of Rent
Can protect insured rental income where an insured event makes the property uninhabitable or otherwise triggers the relevant policy section.
- Indemnity periods apply
- Financial limits apply
- The underlying cause normally needs to be insured
Trace & Access
Eligible policies may include costs associated with locating and accessing the source of certain insured leaks.
- Limits vary
- Covered causes vary
- Check the policy wording
Accidental & Malicious Damage
Accidental damage and malicious damage by tenants can be available as optional extensions on eligible landlord policies.
- Not automatically included
- Limits and excesses differ
- Tenant type can affect availability
Legal Expenses & Rent Guarantee
Optional protection may be available for specified landlord legal disputes and eligible insured rent arrears.
- Tenant referencing may be required
- Limits and waiting periods can apply
- Only applies where the cover is purchased
HMO and Childcare Premises Insurance
Some properties fall outside a straightforward single-house buy-to-let risk and may require additional underwriting information.
HMO Landlord Insurance
Property-owner insurance for Houses in Multiple Occupation, subject to insurer acceptance.
An HMO can present a different insurance risk from a property let to one household. Insurers may ask for additional details before offering terms.
- Number of occupants and letting units
- Tenant profile and tenancy arrangements
- HMO licensing position
- Fire protection and alarm arrangements
- Property construction and condition
- Management arrangements
Properties Let to Childcare Facilities
Property-owner insurance where premises are leased to eligible nurseries or childcare operators.
If you own a property that is let to a nursery, daycare provider or other child care facility, the occupational use needs to be declared accurately.
- The childcare activity carried out
- Building construction and security
- Kitchen or cooking facilities
- Outdoor play areas
- Lease and responsibility arrangements
- Previous claims history
How can I find cheaper Landlord Insurance?
If you are searching for cheap landlord insurance, comparing premium alone can be misleading. A lower-priced policy may come with different excesses, limits, conditions or levels of cover.
Compare quotations on an equivalent basis and make sure the insurer has accurate information about the property and its use.
Peacock can compare landlord quotations available from its insurer panel. The lowest premium will not necessarily provide the cover most appropriate to your requirements.
Compare My Property Insurance Price →
How much does Landlord Insurance cost?
There is no single price that applies to every landlord. Insurers assess the individual property, occupancy, claims history and cover requested.
Why ask Peacock for a quote?
Peacock is a UK insurance broker arranging property insurance for landlords and property owners.
How to get a Landlord Insurance quote
Provide details about the building or buildings, tenants, occupancy, claims history and cover required.
Your information can be assessed against landlord or property-owner products available from Peacock's insurer panel.
Consider the premium, cover, limits, excesses, terms and exclusions before deciding whether to purchase.
What landlords say about Peacock
Selected landlord-related reviews published on Peacock's Trustpilot profile.
“Most competitive for my landlords Insurance quote”
“Save me over £100 on my renewal”
“Two very competitive quotes for landlord insurance”
Landlord Insurance FAQs
Common questions from UK landlords and property owners.
Is Landlord Insurance legally required in the UK?
What is the difference between home insurance and Landlord Insurance?
Is Landlord Insurance the same as Property Owners Insurance?
Is Landlord Insurance the same as Buy-to-Let Insurance?
Can Peacock arrange HMO Landlord Insurance?
Can a landlord insure property used as a nursery or childcare facility?
Can I insure several rental properties together?
Does Landlord Insurance cover loss of rent?
Is Rent Guarantee the same as loss-of-rent cover?
Does Landlord Insurance cover malicious damage by tenants?
Does Landlord Insurance include accidental damage?
Can Peacock insure an unoccupied rental property?
What is the correct buildings sum insured?
How much does Landlord Insurance cost?
How can I get cheaper Landlord Insurance?
Does Peacock compare every Landlord Insurance provider?
What information will I need for a Landlord Insurance quote?
Ready to compare Landlord Insurance?
Whether you own one rental property or a wider portfolio, tell us about your properties, tenants and the cover you need. Peacock can consider landlord and property-owner quotations available from our insurer panel.
Get My Landlord Insurance Quote →