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Residential Landlords Insurance

Whether you let out a single buy-to-let property or have a large portfolio, we can help you find residential landlords insurance to protect you and your assets, to help keep the rent flowing.

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Residential Landlords Insurance 

Whether you let out a single buy-to-let property or have a large portfolio, we can help you find insurance to protect you and your assets, to help keep the rent flowing.

 

Why Residential Landlords' Insurance is Important

Residential landlords' insurance is there to protect you and your rental property if something goes wrong.

It can help you to recover from a serious incident like fire or flood damaging or destroying the property, and protect your loss of rent while repairs are being carried out. Similarly, it can help to defend you and your reputation if you are held liable for injury or illness affecting the tenant at your property, and shield you financially if your property suffers malicious or accidental damage by tenants. Cover can also protect you if you have a period of time that your property is vacant.

About the Residential Landlord Industry

If you own and rent out private property, you’re not alone. Today, there are more than 2.5 million private residential landlords in the UK[1]. Around 60%[2] own a single rental property, while about 7% own five or more[3] – though those larger portfolios account for almost 40% of all residential let property in the UK[4].

But whether you are a single property landlord or own a portfolio, being a landlord is not without effort. There are many responsibilities – from finding tenants and ensuring they can live in a safe environment, to looking after deposits and making sure rents are paid on time.

So, while investing in rental property can be a good move, it does need careful thought. It’s important to know about any legislation or regulations affecting landlords and to carefully consider your insurance needs. After all, it’s residential landlords' insurance that would help to protect you, your finances, your assets, and your tenants if something were to go wrong.

Standard Covers

  • Buildings insurance.

  • Fixed glass.

  • Loss of rent.

  • Employers liability.

  • Property owners liability.

Optional Covers

  • Legal expenses.

  • Subsidence.

  • Terrorism.

  • Accidental damage.

Call our team to receive a no obligation, instant quote today.

Phone lines are available Mon-Fri: 9am - 5pm

Quote Line: 0330 134 4564

Get a Residential Landlords' Insurance Quote

Let us help you find the right cover to protect you and your property assets, at the right price. We will help make buying your residential landlords' insurance as easy as 1, 2, 3, so get in touch today for a quote.

  1. We’ll listen to you to understand your risks and what cover you require so you’re protected and have peace of mind should things go wrong.
  2. We’ll help to save you time by searching our panel of carefully chosen UK’s leading and specialist insurers.
  3. We can arrange cover immediately, without fuss.

Further to this, smei provide a range of landlord insurance for property owners from commercial insurance to unoccupied property insurance.

[1] https://www.landlordtoday.co.uk/breaking-news/2018/4/number-of-uk-landlords-rises-to-1-75-million
[2] http://www.lse.ac.uk/business-and-consultancy/consulting/assets/documents/The-Profile-of-UK-Private-Landlords.pdf
[3] http://www.lse.ac.uk/business-and-consultancy/consulting/assets/documents/The-Profile-of-UK-Private-Landlords.pdf
[4] http://www.lse.ac.uk/business-and-consultancy/consulting/assets/documents/The-Profile-of-UK-Private-Landlords.pdf

smei is a trading name of Marsh Commercial, a UK award winning expert in insurance and risk management, and part of the same business family as Marsh, a global leader in insurance broking and risk management. Occasionally a representative from Marsh Commercial may contact you in response to your enquiry if your trade type is better suited to that area of the business. 

WHY SHOULD I USE A BROKER?

Using a broker to arrange your insurance may help reduce your workload and the associated time it takes you to search for your insurance. It is our aim to help you get value for money therefore we use the strength of our market position to negotiate with insurers, in advance, the product and premium pricing. We do this to help deliver the right product, at the right price for our customers. To present you with the options available to you, we compare insurance from a panel of UK insurers so that we can recommend a product to suit your business needs.

HOW LONG DOES IT TAKE TO GET A QUOTE?

You can get a quote by telephone. On average a quote will take around 10 minutes over the phone, depending on the complexity of the business requirements.

HOW LONG WILL IT BE BEFORE I AM COVERED?

If you are arranging insurance on the phone, you can be covered straight away, subject to a 10% deposit. The remaining payment can be set up within 7 days. Be sure to let us know you want cover to start immediately. However if you don’t want immediate cover, you can specify a start date that suits you.

WHAT ARE YOUR OFFICE OPENING HOURS?

We are open Monday to Friday, 8am until 6pm.

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

Please note we are unable to quote for Takeaway Delivery Drivers or Couriers

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Customer Testimonials
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It was lovely to speak to the team at smei, thank you again for all your help in finding us a competitive and reasonable price for our property. I shall definitely be in contact again for future quotes. Thank you once again, much appreciated.

Mr Ismail Patel, Property Owner

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