Flexible cover underwritten by one of the UK's leading insurers
Residential landlord insurance
Residential landlord insurance quote
Why do I need residential landlord insurance?
Whatever type of home you let out, every rental property owner requires an insurance policy that is unique to them – for example, a block of several flats isn't likely to have the same risks as a single family home.
To make sure you're covered for the risks most associated with your needs as a residential landlord, you might want to consider business 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 £11.97 a month or less for their Superscript insurance between July and September 2022.
- Change or cancel anytime, with no fees
- Protect your property portfolio against a range of exposures
- Buildings, fixtures and fittings and property owners liability cover
- Up to 17.5% discount for multiple properties
- Flexible monthly rolling subscription
- Optional cover for landlords' contents, rental income and more
Be quote confident
We're big on fairness. So if you find a lower price for a comparable quote, we won't just match it – we'll go one better and beat it.
So even better than apples to apples, apples to better apples. We're talking Galas to Braeburns.
As you'd expect, T&Cs apply.
Set up your residential landlord insurance in less than 10 minutes
Change or cancel it at any time with no penalties or fees.
We insure a large variety of residential property types
From renting out a single studio apartment to letting an entire row of flats, 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:
- Whole flat or home
- Apartment building with multiple flats
- Mixed residential and commercial properties
To check if we cover your needs as a landlord, simply click 'Start your quote'.
What does residential landlord 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, flood and subsidence damage
- sourcing the damage and repairing any tank or pipe caused by a water leak
- alternative accommodation and contents storage for your tenants if the home becomes uninhabitable (for up to 24 months)
Fixtures and fittings
As the landlord of a residential property, you may be responsible for maintaining the fixtures and fittings within the home. With Superscript's insurance, you'll be covered for repair or replacement costs of fixtures and fitting, 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.
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.
This is a legal requirement for most landlords that employ 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.
Once you've completed a quote, you'll be able to view a summary of cover. Please always refer to your policy documents for full details around exclusions, terms and limits of your customised cover.
Residential landlord insurance claims
Residential 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 residential 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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What's not included in our residential landlord insurance?
While we'd like to cover everything, there are some exclusions to our residential landlord insurance. Sadly we cannot insure:
Student properties or houses in multiple occupation (HMOs)
Property that is let out to a local authority with an unknown occupant
Mansion blocks or the flats contained within
Homes that are unoccupied for more than 6 months per year
Landlord insurance FAQs
How much does residential landlord insurance cost?
Superscript's landlord insurance starts from just £11.97 a month, but the price of your policy could vary depending on how many properties are covered, their location and a number of other factors.
Is residential landlord insurance compulsory for private landlords?
Landlord insurance is not mandatory but we strongly recommend this cover to protect you against a range of exposures.
What types of properties does residential landlord insurance cover?
Superscript's residential landlord insurance includes cover for a range of different types of rental property, including studio apartments, flats and houses.
However, the policy will not cover houses in multiple occupation (HMOs).
Can I get landlord insurance if my property is temporarily unoccupied?
Yes, with Superscript's landlord insurance your cover is valid even if your property is unoccupied for a period of up to 45 consecutive days.
However, if the property is unoccupied for longer than that, there are certain things you must do for your policy to remain valid, including, but not limited to:
- You must let Superscript know as soon as the property becomes unoccupied for longer than 45 days
- The property must be inspected both internally and externally at least once a week, with a written report of the inspection
- All refuse and waste must be regularly removed
- The property must be adequately secured and letterboxes sealed
- Gas, water and electricity supplies must be turned off at the mains
- All damage must be rectified immediately
- All water systems must be drained between 1st October and 31st March
Superscript reserves the right to cancel a policy if your property is unoccupied for more than 45 consecutive days.
What excess will I pay?
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
Can I insure multiple properties?
Yes, you are able to insure a portfolio of up to 10 properties on one policy, and enjoy an up to 17.5% multi-property discount.
Can I insure commercial units at the same time as my residential properties?
Yes, you can insure both commercial and residential properties on the same policy. For instance, if you own an apartment building with a shop or cafe unit on the ground floor.
What if I need to change or cancel my policy?
You won't be charged any fees or penalties for changing or cancelling your policy. You can change your policy anytime, but we need 30 days' notice if you'd like cancel.
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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.