Landlord Insurance
Protection from potential financial losses as a result of general rental activities.
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Landlord Insurance that protects property with peace of mind
Letting a property comes with unique risks that standard home insurance simply doesn’t cover. That’s why Grove & Dean Private Clients offers dedicated landlord insurance, tailored specifically for rental properties and the responsibilities that come with them.
Whether you require buildings insurance, contents cover, or both, we can offer a range of policies that protect your property and tenants.
Every policy includes essential protection such as cover for loss of rent due to an insured event, alternative accommodation for tenants, and accidental damage to underground services. You’ll also be covered for trace and access of leaks, along with £5 million in property owner’s liability—providing comprehensive reassurance for landlords.
From single rental homes to multi-property portfolios, we deliver the finest cover and expertise at every stage.
And however you choose to arrange your policy—online, through our app, or via our friendly advisors on LIVE CHAT—you’ll find the process fast, flexible, and simple.
Trust Grove & Dean Private Clients to keep your rental property protected.
Benefits of Our Insurance Policies*
- Loss of rent for an insured peril
- Cover for trace and access of leaks
- Property owners liability cover
- Legal expenses
- Temporary accommodation for tenants following an insured incident
- Accidental damage to underground services
- UK based contact centre
*Terms, conditions & exclusions apply. Standard home insurance includes Home Emergency Assistance and Escape of Water cover, but these are not included with unoccupied home insurance.
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Landlord Insurance FAQs
What is landlord insurance?
Landlord insurance protects residential properties that are rented to tenants rather than occupied by the owner. Policies can provide cover for the building, landlord contents and certain liabilities linked to letting the property. Because rental properties carry different risks to owner occupied homes, insurers assess factors such as tenant type, property location and construction.
Grove & Dean policies include legal expenses cover and support services, subject to insurer terms, eligibility and policy wording.
Who should consider landlord insurance?
Landlord insurance is suitable for property owners who rent out a house, flat or other residential property to tenants. This may include long term tenants under an assured shorthold tenancy or similar rental arrangements. Standard home insurance is not usually designed for rented properties, so insurers provide landlord policies that reflect the risks associated with tenant occupancy.
Grove & Dean can arrange cover designed for residential letting, subject to insurer criteria.
What does landlord insurance normally cover?
Landlord insurance can provide protection for the structure of the property along with landlord owned fixtures and fittings. Policies may cover risks such as fire, storm damage, escape of water and theft depending on the cover selected. Liability protection may also apply if a tenant or visitor is injured at the property.
Does landlord insurance include liability protection?
Landlord insurance may include property owners liability cover. This protection can apply if a tenant or visitor suffers injury or property damage as a result of an incident connected to the rented property. Liability cover helps protect the landlord against certain legal claims arising from the ownership or condition of the property.
Grove & Dean policies may include liability protection as standard, subject to insurer terms and policy wording.
Are landlord contents covered by landlord insurance?
Landlord insurance may include cover for items supplied by the landlord within the rental property. This can include furniture, carpets, appliances and other fixtures provided for tenant use. Insurers usually apply limits to landlord contents cover and may require higher value items to be declared separately.
Does landlord insurance include legal expenses cover?
Legal expenses cover may be included with landlord insurance to help recover certain uninsured losses following an insured incident involving the property. Legal assistance may be available where there is a reasonable prospect of recovering costs from a responsible party. The scope of protection depends on the policy wording and insurer terms.
Grove & Dean policies often include legal expenses protection as part of its overall cover, subject to eligibility.
Can landlord insurance cover multiple rental properties?
Some landlord insurance policies can be arranged to cover more than one rental property owned by the same landlord. Insurers assess each property individually, considering factors such as location, value and tenant type before confirming eligibility. Arranging cover for several properties may help landlords manage their insurance protection more efficiently.
Grove & Dean can arrange policies for multiple properties, subject to insurer underwriting criteria.
What factors affect the cost of landlord insurance?
Landlord insurance premiums are calculated using several factors assessed by the insurer. These commonly include the property’s value, location, construction type and security arrangements. Insurers may also consider the tenant type, rental use and claims history associated with the property.
Is the property insured when tenants are not living there?
Landlord insurance can continue to protect a property during short periods between tenancies when it is temporarily vacant. Insurers may apply conditions relating to security and property checks during these periods. These measures help reduce risks such as theft or damage while the property is empty.
All Grove & Dean policies reflect insurer conditions relating to unoccupied periods, subject to policy terms.
What features can be included with landlord insurance?
Landlord insurance policies often include practical features designed to support property owners letting residential accommodation. These may include legal expenses cover and support services depending on the policy selected. Having these features within one policy can simplify protection for landlords.
Grove & Dean policies include legal expenses cover as standard, subject to insurer terms, eligibility and policy wording.
Why choose Grove & Dean Private Clients
- Independent and impartial. As we’re not tied to any single insurer, we’re free to compare quotes across a panel of up to 100 leading UK underwriters. This means we can always focus on getting you the right cover at the most competitive price - whether you need 3rd party, fully comprehensive or something more specialist.
- Expertly Chartered. We’re a Chartered Insurance Broker, backed by over 50 years of family business heritage. That means we work to the highest professional standards, providing a service you can trust.
- Smart, streamlined systems. Our digital platforms make everything easier. From a quick quote to managing your policy and documents, our app and online tools put you in control, anytime, anywhere.
- On your side when it matters. If you need to make a claim, we’re here to help - not hinder. As an independent broker, we’ll act on your behalf to resolve issues fast, whether it’s organising a courtesy car or arranging a repair. Our claims support runs 24/7, every day of the year.
- Always available. You can access your policy details, request quotes or get support whenever it suits you. Our online account system runs around the clock, and our experienced team is available six days a week for anything you need.
Combining the latest and most efficient digital systems with decades of real-world insurance expertise, Grove & Dean Private Clients delivers outstanding cover, competitive pricing, and service that truly works for you.
