What is Residential Landlords Insurance?

Being a landlord comes with responsibilities—and risks. Whether you own a single buy‑to‑let property or a portfolio of rentals, Just In Case Insurance provides comprehensive Landlord Insurance to safeguard your investment and income.

Our policies are designed specifically for UK property owners, covering the unique risks that come with letting out residential properties.



Landlord insurance, also known as property owners insurance, is a specialist policy designed to protect UK landlords who rent out residential properties. Unlike standard home insurance, it covers the unique risks associated with letting, such as tenant‑related damage, liability claims, and loss of rental income. It ensures that your investment property is safeguarded against unexpected events, giving you confidence as a landlord.

How does Residential Landlords Insurance work?

When you take out landlord insurance, you choose the level of cover that suits your property and rental situation. Policies typically include buildings insurance to protect the structure, contents insurance for any furnishings or appliances you provide, and liability cover if someone is injured on your premises. Many insurers also offer optional add‑ons such as rent guarantee or legal expenses cover. If an insured event occurs—like a fire, flood, or tenant accident—you can claim to recover costs, repair damage, or replace lost income.

✅ What’s Covered

• Buildings Insurance: Protection against fire, flood, storm damage, and other structural risks.
• Contents Insurance: Covers furnishings and appliances provided to tenants.
• Loss of Rent: Ensures you’re not left out of pocket if your property becomes uninhabitable.
• Property Owners Liability: Protects you if a tenant, visitor, or contractor is injured on your premises.
• Optional Add‑Ons: Tailor your policy with extras such as accidental damage or rent guarantee cover.

Why buy Residential Landlords Insurance?

Owning rental property is a valuable investment, but it also carries risks. Without landlord insurance, you could face significant financial loss if your property is damaged or becomes uninhabitable, or if a tenant makes a liability claim against you. Buying landlord insurance protects both your property and your income stream, ensuring you can continue to let with peace of mind. It’s not just about compliance—it’s about safeguarding your future and making sure you’re covered, just in case.

🏡 Specialist Landlord Cover: Designed for UK property owners, not standard homeowners.

⚡ Fast & Simple: Get insured online in minutes.

🔒 Trusted Protection: Policies backed by leading UK insurers.

💬 Expert Support: Our team helps you choose the right cover for your rental property.