The best value Landlord Insurance
When it comes to Landlord Insurance, Performance Direct understands the need for flexibility within your policy. Our tailor-made cover offers a range of schemes, whether you need Residential Landlord Insurance, Commercial Landlord Insurance, or Buy-To-Let, you can rely on Performance Direct.
We will make sure you have the correct level of cover that is personal to your needs.
Our easy-to-use quote form will offer you straightforward, competitive premiums for protection against claims for buildings, contents, liability, loss of rent as a result of an insured peril and much more.
Or, if you would prefer, please call one of our Landlord Insurance specialists to discuss the cover you need.
We provide insurance services to UK residents only.
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Benefits of Our Insurance Policies*
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Flexible payment options
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Dedicated account handler
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UK call centre
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Access to Lloyd's of London markets
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Wide policy coverage
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Claim management service
*policy conditions may apply
Why choose Performance Direct?
- The peace of mind of a Chartered Broker. Everything we do is backed by a team of skilled, experienced insurance professionals. We’re a Chartered Insurance Broker, a family company with a proud 40-year history, so we’re bound by a personal and professional code to deliver the best service for our clients.
- We’re independent. Because we’re not tied to any brand or product, we can search the insurance market to find you the best policies. Whenever you ask for a new or a renewal quote, we search a panel of leading UK underwriters to ensure you get the lowest price and the best cover.
- We’re on your side. If you need to make a claim, because we’re completely independent, we work with you to sort everything out and to make sure your claim is paid. Whether you need to sort out a hire car, arrange a new windscreen or need to make a liability claim, we are here to help assist you when you need us.
- Here for you. With a dedicated account managed team, we are here to support our clients every step of the way.
Combining the advantages of the latest technology with real world experience, Performance Direct promises the lowest prices with the most efficient service.
Landlord Insurance FAQs
What is landlord insurance?
Landlord insurance provides protection for residential properties that are rented to tenants. Unlike standard home insurance, it reflects risks associated with letting a property to others rather than living in it personally. Cover commonly focuses on the building structure and may include additional protection linked to tenancy arrangements. The scope of cover depends on the insurer selected and the policy wording.
How does landlord insurance differ from standard home insurance?
Landlord insurance is designed for properties that are occupied by tenants rather than the owner. Because the property is being let, insurers assess risks such as tenant occupancy, rental use and property management arrangements. Standard home policies are generally structured for owner occupied properties. Insurance designed for landlords reflects those different circumstances.
What does landlord insurance typically cover?
Landlord insurance usually protects the structure of the rental property against events such as fire, storm damage or flooding. Some policies may also include landlord related features such as property owners’ liability or protection for fixtures and fittings provided within the rental property. The precise scope of protection depends on the insurer and policy wording.
Does landlord insurance cover tenants’ belongings?
Landlord insurance normally covers the building itself rather than items owned by tenants. Personal belongings belonging to the tenant are usually insured under their own contents policy. Landlords may insure furniture or appliances they provide within the property if those items form part of the tenancy.
Is landlord insurance required by law?
Landlord insurance is not a legal requirement in the UK. However, many landlords arrange insurance to manage the financial risk associated with damage to a rental property. Mortgage lenders may also require appropriate insurance as part of their lending conditions.
What is landlord liability cover?
Landlord liability cover relates to situations where a tenant or visitor suffers injury or property damage connected with the rental property. It may provide financial protection if the landlord is held legally responsible. The availability and scope of liability protection depend on the insurer selected and the policy wording.
Can furnished rental properties be insured?
Rental properties that include landlord owned furniture or appliances can be insured, provided these items are declared when arranging the policy. Insurers may include protection for landlord owned contents that form part of the tenancy. Eligibility and limits depend on the insurer and the policy terms.
Does landlord insurance apply if the property becomes temporarily empty?
Rental properties can sometimes become temporarily vacant between tenancies. Insurers may allow a defined period of vacancy under certain conditions. Longer periods without tenants may require additional arrangements or specialist insurance. Requirements depend on the insurer and policy wording.
Can multiple rental properties be insured under one policy?
Some insurers allow landlords with more than one property to arrange insurance across multiple rental homes. This may simplify administration where a landlord manages a portfolio of properties. Acceptance and policy structure depend on the insurer’s underwriting approach.
How is insurance arranged for properties that are rented to tenants?
Properties that are let to tenants are normally insured under policies designed for rental use rather than standard homeowner cover. Performance Direct arranges landlord insurance based on the property type, tenancy details and occupancy arrangements. Terms depend on insurer underwriting criteria and the characteristics of the rental property.
