Customisable cover for commercial and residential landlords, including buildings and contents insurance, property owners liability and loss of rent cover.
Get a quote in minutes and cover from £12.98 per month, including insurance premium tax.
Why do you need landlord insurance?
Whether you're a residential landlord or a commercial landlord, each rental property owner requires a different insurance policy – a string of commercial properties for example aren't likely to have the same risks as a single residential let.
To make sure you're covered for the risks most associated with your needs as a landlord, you might want to consider insurance that you can alter to your requirements. That's why we offer customisable cover, which allows you to tailor your protection and only pay for what you need.
10% of landlords paid £12.98 a month or less for their Superscript insurance between April and June 2022.
- Change or cancel anytime, with no fees
- Protect your property portfolio against a range of exposures
- Unique products for commercial and residential landlords
- Multi-property discounts
Commercial and residential landlord insurance
We worked in partnership with leading underwriters to re-design a comprehensive range of covers specifically to meet the needs of landlords, in both the residential and commercial sectors.
Commercial landlord insurance
Comprehensive cover that is tailor-made for landlords with one or more commercial properties that are let out to business tenants, including shops, office space and warehouses.
What does landlords insurance cover?
While every property is different, there are some covers that make sense for a lot of landlords. Here are the core covers that we include in every policy:
If you are a freeholder (or a leaseholder with responsibilities to maintain the building that your property sits in) then this element of your landlord insurance covers the cost of repairing accidental or malicious damage to the building, including:
- Clearing, cleaning or repairing drains, gutters or sewers following damage to the property
- Damage to cables and underground pipes
- Fire and flood damage
- Subsidence damage (optional for commercial properties)
- Sourcing the damage and repairing any tank or pipe caused by a water leak
Fixtures and fittings
Whether you're the landlord of a freehold or leasehold property, you may be responsible for maintaining the fixtures and fittings within the property. You will be covered for repair or replacement costs of fixtures and fitting within the property, including:
- Breakage of fixed glass and fixed mirrors
- Damage caused by the illegal cultivation of drugs
- Theft of the building's fabric (eg. roof tiles or insulation)
- Damage to electrical sockets or light fittings
Property owners liability
Covers your liability to pay compensation and legal costs (between £1 million and £10 million) in relation to bodily injury to either a tenant or member of the public.
This includes legal costs (up to £1 million) for any alleged breaches of:
- Health and Safety legislation
- Consumer Protection legislation
- Food Standards legislation
It also includes legal costs (up to £1 million) in connection to defense against:
- Corporate manslaughter
- Corporate homicide
- Culpable homicide defence
On top of these options, we also offer a bunch of other covers to boost your policy and give you the perfect protection.
This is a legal requirement for any landlord that employs staff (such as an admin assistant or handyman) and covers your liability to pay compensation and legal costs in relation to work-related sickness or bodily injury of an employee.
Covers your repair costs for damage to your property, your financial losses and your property owners liability in the event of an act of terrorism, which would not otherwise be an insurable event.
If your property becomes damaged to the point that it is uninhabitable, the rental income you would have been paid is covered for a period of up to 24 months while the property cannot be occupied.
Covers the value of all of the items in the rental property that belong to the landlord (such as upholstery and furniture) against accidental and malicious damage, up to a limit of £75,000.
We insure a large variety of property types
From renting out a studio apartment to letting a an entire row of flats with a cafe at the end, whatever property is in your portfolio we've got you covered.
While we insure many different landlords, here are a few popular rentals we cover:
- Studio apartments
- Flats and houses
- Commercial units
- Mixed commercial and residential properties
- Portfolios of up to 10 properties
To check if we cover your needs as a landlord, simply click 'Start your quote'.
Landlord insurance claims
Landlord insurance can cover a range of different accidents and risks both in relation to your property and your tenants. Here are a few examples of possible claims scenarios.
Damage to your building
After a flooding event, your property is damaged to a significant degree with extensive repairs required. A landlord insurance policy can cover the repair expenses.
Lost rental income
After a fire, your property is damaged to the point that it is uninhabitable by your tenants. Your insurance policy can cover the loss of rental income you would have been paid, so you are not left out of pocket.
Injury to a tenant
If a tenant is unfortunately injured because an element of the building is unsafe, you may be liable to pay compensation and your insurance could cover this expense.
How do claims work?
You make a claim
Log in to your online account and go to the ‘Make a claim’ section. There, you can make a claim directly – there's no need to call us.
We'll ask you for some details about your claim, including a crime reference number (if applicable), the date of loss or claim made against you, type of claim and its detailed description.
You can also attach any relevant supporting documentation like proof of loss, proof of purchase, a letter of demand or a statement of claim.
We'll get on the case
Once submitted, your claim will be assessed.
If the claim is large, you may have to provide further information. For smaller claims, you may be able to proceed without further information.
Either way, we'll keep you regularly updated and you'll be able to see the status of your claim on our customer portal.
Your claim is settled
After it's been assessed, we'll let you know if your claim has been successful or not.
If items have been lost, stolen or damaged, we might arrange for the items to be replaced or make a payment to you.
If you’re liable for something we will assist you with legal support.
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Landlord insurance FAQs
Superscript's landlord insurance starts from just £155.76 per year (£12.98 per month), but the price of your policy could vary depending on how many properties are covered, whether they are commercial or residential buildings, their location and a number of other factors.
Some elements of home insurance may overlap with landlord insurance, but your home insurance policy will not include property owners liability cover, or the additional covers such as rental income cover or employers liability.
Importantly, many home insurance policies will exclude cover to paying guests or if the property changes from a home to being sub-let, meaning your cover will be void if a paying tenant is living there.
Superscript's landlords' insurance products include cover for both residential and commercial properties, or a mix of the two, including studio apartments, flats, houses, warehouses, office space and shops.
The amount of excess you will be required to pay depends on what kind of insured event has occurred. Superscript's excesses include:
- Fire, lightning, explosion, aircraft, or earthquake - no excess
- Damage caused by flood - minimum excess £300
- Malicious damage and theft by tenants - £500
- All other insured damage (where an excess applies) - minimum excess £250
- Subsidence - minimum excess £1,000
- Property owners liability - £200
Yes, you are able to insure a portfolio of up to 10 properties on one policy.
You can change or cancel your policy, without any fees or penalties, with 30 days' notice.
Yes, all covers included in your landlord insurance policy are categorised as 'allowable expenses' by HMRC. This means you can write off the cost of your insurance policy against your taxable rental income for the tax year.
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Authorised by the FCA
The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.
A-rated financial strength
Our insurance products are underwritten by Standard & Poor’s A-rated financial strength or higher. This means the underwriter has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).
Protected by the FSCS
If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk.