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Landlords insurance is a policy which covers a property owner from financial losses/damages that are connected with their property which they rent out. A landlord insurance policy will mainly cover the building itself with the option of including the contents contained within the property.

The policy will usually cover standard risks such as fire, lightning, explosion, earthquake, flood, storm, floods of water or oil, subsidence, malicious damage & theft. Each insurance policy differs and might or might not include all these items. Most companies will provide the option to have extra cover on top of what is considered the standard cover. This may be something like accidental damage, legal protection or rent guarantee cover.

Other phrases that are commonly used but mean the same as landlords insurance are, buy to let insurance, let property insurance, rented property insurance, or property owners insurance.