Landlord Insurance Calculator
Our landlord insurance calculator estimates the annual premium for a buy-to-let property — covering buildings, landlord liability, and optional loss of rent cover. Standard home insurance does not cover rental properties, making specialist landlord insurance essential.
Landlord Insurance Calculator
Estimate the cost of specialist landlord insurance for your rental property — buildings, loss of rent and liability.
Estimates are indicative. Landlord insurance premiums vary by property type, location and insurer.
What Landlord Insurance Covers
A comprehensive landlord policy includes: buildings cover for the structure and permanent fixtures; property owners liability (typically £2–5 million); optional loss of rent cover; and optional tenant default cover. Landlord insurance premiums are also a fully allowable expense against rental income. Use our Mortgage Calculator to model the full monthly buy-to-let ownership cost including insurance, and our Income Tax Calculator to estimate the tax on your rental profit.
Risk Management to Reduce Claims and Premiums
Landlords can actively reduce both claims frequency and renewal premiums through consistent property maintenance and compliance. Carrying out annual gas safety checks (a legal requirement under the Gas Safety Regulations 1998), installing smoke alarms on every floor (legally required since 2015 in England), fitting carbon monoxide alarms in rooms with solid fuel appliances (legally required since 2022), and maintaining the property in a good state of repair all reduce the likelihood of insurance claims. Conducting quarterly property inspections with written records also supports any claims you do make and demonstrates responsible management to insurers. Many insurers offer multi-property portfolio policies for landlords with 3+ properties — often at a 10–15% per-property discount versus individual policies.
Frequently Asked Questions
Yes — landlord insurance premiums are a fully allowable expense against rental income. Keep records of all premiums paid for your self-assessment tax return.
Many insurers offer multi-property portfolio policies for landlords with multiple properties, often at a reduced per-property premium.
Some policies include malicious damage as a named peril; others exclude it or offer it as an add-on. Tenant default and legal expenses cover is typically a separate optional extra.
If the property is your primary income source, loss of rent cover (typically 12–24 months of rental income if uninhabitable after a claim) provides important income protection.
Buy-to-let mortgage lenders require you to maintain buildings insurance as a mortgage condition. Failure to do so is a breach of the mortgage terms and could result in the lender arranging insurance at much higher cost.
Enter the rebuild value of your property, estimated rental income, and any additional cover requirements: loss of rent, liability, and contents in furnished properties. Landlord insurance differs from standard buildings insurance in several important ways: it covers loss of rent if the property is uninhabitable due to an insured event, public liability for injury to tenants or visitors, and legal expenses for tenant disputes. Standard home insurance does not cover properties let to tenants and a valid claim can be rejected if you have the wrong policy type. Rebuild cost for insurance purposes is different from market value — use the BCIS calculator for an accurate rebuild figure rather than the purchase price or current market valuation.
Important Information
This calculator is provided for general information and planning purposes only. It does not constitute financial or tax advice and should not be relied upon as such. Figures are indicative estimates based on simplified, publicly available criteria and stated assumptions. Actual results depend on your full circumstances. See our Disclaimer for further information.