Landlord insurance is sold as one policy, but it pays out as three separate covers
This is a place to work out what your landlord insurance actually covers, written for landlords with a handful of let properties, including anyone who ended up letting a house they never meant to.
An information resource, not a broker
What this covers
A landlord policy rarely does one thing. Renewal letters and policy wording use loss of rent, rent guarantee and unoccupancy clause almost as if they meant the same thing, and a landlord with one property or ten runs into the difference the moment something goes wrong: a tenant stops paying, a pipe bursts, or a let stands empty between tenancies.
LandlordInsuranceRates.co.uk sets the three covers side by side against your own let, so you can choose with an insurer or a broker. Where a statute or a policy wording decides the answer, it is quoted directly, with the section number or the insurer and the date it was read, so you can check it against your own documents.
Who it's for
Most people reading this have between one and ten let properties. Some chose to become landlords; others inherited a house or ended up letting it because it would not sell, and are working out for the first time why a homeowner's policy stops fitting once there is a tenant in the property. Either way, the questions are usually the same: what does this cover actually pay for, and what do I need to tell the insurer before it matters.
Not authorised for insurance distribution
LandlordInsuranceRates.co.uk is not authorised or regulated by the Financial Conduct Authority for insurance distribution. It does not sell, arrange, recommend or rank insurance, and there are no quote forms or affiliate links anywhere on the site. The choice of insurer or policy stays with you, made directly with an insurer or a regulated adviser.
Three covers
Loss of rent, rent guarantee and unoccupancy terms are set out against your own let, so you can see which one answers what has actually happened.
No quote forms, no affiliate links
There is nothing to buy or apply for here. The policy choice is made directly with an insurer or a broker.
Not FCA-authorised
LandlordInsuranceRates.co.uk is not authorised or regulated by the Financial Conduct Authority for insurance distribution.
Where this site sits, and where a regulated adviser takes over
What FCA authorisation covers
Arranging, advising on, or selling an insurance contract on someone else's behalf is a regulated activity, and a firm that carries it out normally needs permission from the Financial Conduct Authority. That permission is what lets a broker recommend a specific policy, handle a quote, or take payment on an insurer's behalf.
Where this site sits
Landlord Insurance Rates is not authorised or regulated by the FCA for insurance distribution. It does not arrange a policy, does not recommend one insurer over another, and does not take a quote or a payment on anyone's behalf. What is here is an explanation of how a cover works and what a policy's wording or a piece of legislation says, so you can read your own policy with a clearer idea of what to look for.
What that means for you
Choosing a policy, applying for cover, or putting in a claim stays between you and an insurer or a broker who holds the right permissions. Where you want someone to arrange cover or advise you on which policy suits your let, that conversation belongs with a regulated firm.
If you use a broker, you can check whether they hold FCA authorisation on the regulator's own register before relying on anything they tell you.