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Suitable landlord buildings insurance to help protect your property from damage and repairs, included with Just Landlords’ landlord insurance as standard.
What is landlord building insurance?
As a landlord, you can face risks when renting out your property, such as damage or theft by tenants. Residential home insurance policies typically won’t cover you for these events, which could leave you financially liable. That’s why you should consider landlord building insurance to help protect your property.
Landlord building insurance is a type of house insurance for physical loss or damage to your property caused by fire, lightning, flood, theft, vandalism, and other insured events. This includes the structure and permanent fixtures, such as doors, windows, and carpets.
What does landlord building insurance cover?
Building insurance can provide cover for structural work if your property sustains extensive damage, such as from a fire or flood. It can cover the cost of repairing or rebuilding the structure, as well as for damage to other structures on the property, such as garages, sheds, or fences.
Landlord building insurance may also include cover against damage to the structure of the building caused by:
- Malicious damage by tenants to the property, including built-in features like appliances and carpets
- Escape of water from a fixed appliance, pipe or tank
- Falling trees or branches, lampposts or telegraph poles
- Acts of terrorism
- Subsidence, landslip or heave of the site on which the building stands
- Unauthorised alterations, for example for use as a drug farm
Our Landlord Insurance can help to provide cover for a wide range of risks. With our cover, landlord buildings insurance can protect you against the following events:
- Accidental damage
- Malicious damage
- Theft by your tenants
- Unauthorised alterations, both during and after tenancy
To help give you peace of mind, read your current policy documents thoroughly and carefully check any terms and conditions.
Policy limits and exclusions may apply. Please see our landlord insurance policy wording for full terms and conditions.
Benefits of landlord building insurance
Buildings insurance can help provide protection if damage occurs at your property. Risk events such as fire and floods can lead to costly repairs, and even full rebuilds in some cases. Without suitable insurance, you may be financially liable if things go wrong.
Landlord buildings insurance may also be a condition of your mortgage, so you’d need to take out a policy before tenants move in. Otherwise, you may be breaching the terms of your mortgage. Be sure to check your mortgage conditions carefully to ensure you’re meeting them.
What properties can be insured with landlord building insurance?
Building insurance can provide cover for structural work if your property sustains extensive damage, such as from a fire or flood. It can cover the cost of repairing or rebuilding the structure, as well as for damage to other structures on the property, such as garages, sheds, or fences.
Landlord building insurance may also include cover against damage to the structure of the building caused by:
- Residential properties – Buy-to-let properties you rent to residential tenants.
- Multi-property lets – Multiple buy-to-lets, for example three residential houses you let separately.
- HMOs – Houses in multiple occupation (HMOs), such as student lets.
How much does landlord building insurance cost?
The cost of landlord building insurance varies between providers, as well as your individual circumstances.
Providers will consider various factors when quoting your policy, including the following:
- The level of cover – Adding on optional extras will increase the price of your policy.
- Property size and age – Bigger or older properties can cost more to insure.
- Property location – If your property is in an area with higher crime or risk of flood, it can increase the cost of your premium.
- Your tenants – Some tenants are considered higher risk, such as students, which can increase the premium for your policy.
- Your claims history – if you have a history of claims, policy premiums can be higher.
To get a quote fill out our online form. You can also speak to a member of our team on 0808 168 9220.
How to make a claim for landlord building insurance
If your property is damaged, you can submit a claim on our website under your landlord buildings insurance policy. You should always check the wording of your policy first to see what’s classed as an insured event.
Before reporting your claim, make sure you have the following information to hand:
- Your policy number
- Details of the event, including timings
- Details of what you are claiming for
- Any documents or photos to support your claim, such as images of the damage or repair quotes
If you have any questions about your claim, you can speak to the Just Landlords team via live chat or email. You can also call us on 0808 168 9220 and a member of our team will be happy to help.
Why choose Just Landlords for landlord building insurance?
Just Landlords offers buildings insurance to help keep you and your property protected financially, whether the damage is easily repairable or requires a full rebuild. Our customers love us too, giving us an overall rating of “Excellent” on Trustpilot*. To get a quote, fill out our online form. You can also speak to a member of our specialist team on 0808 168 9220.
*Correct as at March 2025.
FAQ
Please note that these Frequently Asked Questions are not a substitute for the policy wording. For full terms and conditions please see the policy documentation.
Does the tenant or landlord pay buildings insurance?
The landlord is responsible for insuring the building and paying for associated insurance. The tenant is only responsible for insuring their personal belongings.
Does landlord building insurance cover new builds?
Yes, landlords buildings insurance from Just Landlords can cover new build properties.
Do you legally need buildings insurance?
Landlord buildings insurance is not a legal requirement, but that doesn’t mean you don’t need it. Without it, you could be financially liable for damage to your property, leaving you responsible for covering repairs and any replacements. Many mortgage providers insist you take out landlord buildings insurance as a minimum too, so it may be required under your mortgage conditions.
Does buildings insurance cover roof repairs?
Yes, the roof is considered part of the property structure so it can be covered by your landlord building insurance.
Is rising damp covered by building insurance?
No, rising damp is not usually covered by landlord buildings insurance.
What else can be included alongside landlord building insurance as part of a landlord insurance policy?
- Contents insurance – Cover for belongings you provide in the property, such as furniture.
- Loss of rent insurance – For when the property is uninhabitable due to an insured event**.
- Alternative accommodation insurance – Can help with the cost of alternative accommodation for tenant if the property is uninhabitable due to an insured event**.
- Landlord liability insurance – For legal and compensation fees associated with claims from tenants, domestic staff who work at your buy-to-let property, or your responsibility as a landlord.
Policy limits and exclusions may apply. Please see the policy wording for full terms and conditions.
**A claim can only be made for either alternative accommodation or loss of rent on each claim.
What extra cover can I take out as a landlord?
- Rent guarantee insurance – Cover for your rental income if your tenant fails to pay their rent.
Looking for suitable property insurance?
We can provide cover for the following:
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- Gallagher – Just Landlords is a trading name of Arthur J. Gallagher Insurance Brokers Limited. Part of the Arthur J. Gallagher & Co group of companies.
