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Residential and Landlord Insurance

At smei we have access to a range of products specifically designed to meet the needs of residential and commercial landlords.

At smei we have access to a range of products specifically designed to meet the needs of residential and commercial landlords.

From large portfolios of properties nationwide to individual let properties, we aim to offer policies that are tailored to suit your needs. So, whether you have been a residential landlord for years or you are just entering the buy-to-let business, give us a call for a quote today.

Get a quote today

Mon-Fri: 8am - 6pm

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

Quote line: 0330 134 4564

Standard Covers*

  • Buildings insurance

  • Fixed Glass.

  • Loss of Rent.

  • Employers' Liability.

  • Property Owners Liability.

Optional Covers*

  • Legal expenses.

  • Subsidence.

  • Terrorism.

  • Accidental damage.

Why Insurance is Important for Landlords

Landlords, need to ensure that their livelihoods or investments are properly protected against any risks and issues. This is true for both commercial and residential landlords.

Loss of rent insurance cover helps protect your income if something should happen to the property such as fire or flood, and will pay you the usual rental income whilst the property is being fixed.

There are other risks that landlords find themselves exposed to. Those who have bought a property and lease it out to tenants fully furnished, may want to take out contents insurance so that any insured damage can be covered.

These are just two of the types of cover that you will need to think about if you become a landlord. The important thing is to talk to an expert in the insurance industry and allow them to advise you on the appropriate policy to buy for your needs, and which helps protect your business interests.

About the Commercial and Residential Landlord Industry

In recent years many people have decided to become landlords and according to a survey carried out by international property consultants Savills**, the total value of UK landlord owned property has now overtaken that held by mortgaged owner-occupiers.

With this role as a landlord comes responsibility, for tasks including letting out property, managing the tenancy, maintaining the property, and of course making sure the rent is paid on time.

Commercial landlords may rent out workshops, office space or just a place for a business to call their base, whilst residential landlords generally work directly with the general public, providing them with a rental property that they can call home.

Being a landlord can be a great investment but it does require careful consideration, planning, knowledge of property legalisation, and of course insurance cover that you will require.

So, don’t become complacent about what insurance you should put in place as a landlord, seek advice and make sure that you have the right type and level of business insurance that you need.


Terms and Conditions
* Cover may differ dependent upon insurer.


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


Yes smei is a trading name of Jelf Insurance Brokers Ltd, which is authorised and regulated by the Financial Conduct Authority (FCA). Not all products and services offered are regulated by the FCA. Registered in England and Wales number 083722


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.

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Online quote form

Fill in our quick and easy form to receive a no obligation quote as soon as possible.

Direct quote line

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

Call the quote line: 0330 134 4564

Mon-Fri: 8am - 6pm

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Customer Testimonials
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Every year I get good service from smei. They are very helpful on the telephone and explain any queries I have to my satisfaction.

Stephen Jones

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