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Landlord Insurance

Owning and letting commercial or residential property comes with its own set of risks, from property damage to loss of rental income. Landlord Insurance is designed to protect your investment and provide peace of mind if the unexpected happens.

Let’s get your property protected today. Arrange a no-obligation call back by completing our enquiry form.

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What is Landlord Insurance?

Why choose QMT Commercial for Landlord Insurance?

What are the main features of a Landlord Insurance Policy?

Frequently Asked Questions...

What is Landlord Insurance?

Landlord insurance is designed to protect owners of residential and commercial properties that are let or leased to tenants. It typically covers damage to the building caused by insured events such as fire, flood or vandalism, along with landlord‑specific risks such as loss of rent and property owner’s liability.

Why choose us for Landlord Insurance?

Let's make arranging your Landlord Insurance more straightforward

QMT Commercial is an independent insurance broker, working on behalf of our customers and bridging the gap between them and their insurer. With access to a wide panel of insurers, we compare cover levels and pricing to help find a policy that suits your property, tenants and budget.

At QMT Commercial, as an independent insurance broker, we are free from ties to any single provider. This independence enables us to access an array of insurers and wholesale brokers, ensuring we can help secure the most suitable policies for your business requirements.

When choosing a new insurance broker, you’ll naturally want to hear about the experiences of other customers before you make your decision. Why not head over to our Trustpilot page to see for yourself why so many clients choose us for their business insurance, year after year.

For those who prefer not to pay their insurance policy in full, we can offer flexible payment options. You can choose to divide the total into two monthly instalments or use our third-party finance provider to spread the cost with convenient monthly direct debits.

QMT Commercial prides itself on its commitment to delivering excellent customer service. Our UK-based insurance advisors and support team are here to ensure your insurance needs are handled with precision and care, ready to assist you with any questions throughout the year.

As a commercial insurance broker, QMT Commercial are regulated by the Financial Conduct Authority (FCA), meaning that there is a strict code of practice we must abide by to ensure consumers are treated fairly at every stage of the financial services we help to arrange.

In the last 20+ years, QMT Commercial has built excellent relationships with a wide variety of insurers and wholesale brokers, meaning we can bring you some great deals on your business insurance, some of which you won’t be able to find on price comparison sites.

QMT Commercial is a UK based, proudly independent insurance broker.

What are the main features of a Landlord Insurance policy?

Landlord insurance is designed to fit your specific responsibilities and risks as a property owner. Cover can be arranged as a standalone policy or combined with other commercial insurance, depending on your needs.

Main Features

    • Buildings insurance: cover for the structure of the property
    • Loss of rent: protection if the property becomes uninhabitable following insured damage
    • Property owner’s liability: cover against claims made by third parties
    • Malicious damage by tenants: optional cover for deliberate damage
    • Accidental damage: optional broader protection beyond standard insured events
    • Legal expenses insurance: optional cover for property‑related legal costs

     

Frequently asked questions...

Landlord insurance is suitable for anyone who owns and lets a property, including residential homes, shops, offices, warehouses and industrial units.

Landlord Insurance isn’t legally required, but it is often a condition of mortgage agreements and strongly recommended due to the high cost of repairs or rebuilds.

Policies typically cover the building, landlord liability and loss of rent. Additional cover can be added depending on the property and tenancy.

No. Tenant contents are usually the responsibility of the tenant and should be insured separately.

Yes. Property Owners Insurance (Portfolio Cover) can cover multiple properties under one policy, simplifying administration.

Loss of rent cover helps replace rental income if the property cannot be let following insured damage such as a fire or flood.

Yes, but unoccupied properties may require specialist terms and additional conditions.

Buildings should be insured for their full rebuild cost, not market value. This means the figure should factor in labour, materials and professional services such as demolition of the existing property, consultancy fees, etc.

Some policies can include cover for malicious or accidental damage caused by tenants, although this is often an optional extension.

Yes. Mixed‑use properties (for example, commercial premises with residential units above) can be insured, but they may require specialist cover.

You should inform us if there is a change in tenant so we can notify your insurer. Please note that the type of occupancy can affect your risk profile and cover terms.

These risks are usually included as standard, subject to policy conditions and security requirements.

Yes. Properties let on a short‑term or non‑standard basis may require specialist terms. Always disclose how the property is occupied to our advisors so we can ensure we source suitable cover.

Yes, but cover for unoccupied premises is usually restricted and may come with additional conditions, such as regular inspections.

Yes. Permanent fixtures and fittings are typically covered as part of the buildings insurance section.

Terrorism cover is not usually included as standard but can often be added, particularly for commercial premises in certain areas.

This covers landlords against claims if a third party is injured or their property is damaged in connection with the insured premises.

QMT Commercial compares policies from a panel of insurers, offering independent advice and arranging suitable Landlord Insurance for your needs. Contact our knowledgeable commercial insurance team for further advice and quotations.

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