Become a total landlord with our
landlord insurance

Protecting the properties of landlords since 1996, our award winning landlord insurance offers high quality buy to let cover at a great price.
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Award winning insurance

Best Landlord Insurance Provider Winner

Discover our award-winning landlord insurance. Voted by our customers Total Landlord have won seven insurance choice awards including the most recent one this year. Our commitment to excellence is reflected in the trust and satisfaction of our customers, making Total Landlord the top choice for reliable and acclaimed landlord insurance.

Best Landlord Insurance Provider Winner 2024

Policy Comparison

Policy comparison
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Your landlord insurance policy available from £139

Essential

Our basic landlord insurance policy, covering the essentials for your property.

Get started
Premier

Our most comprehensive,
award-winning landlord insurance policy.

Get started
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Removal of nests
Tick
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Accidental damage to glass and sanitary fittings
Tick
Tick
Accidental damage to contents
Malicious damage by tenants and/or guests
Tick
Theft
Tick
Tick
Theft by tenants and/or guests
Tick
Single article limit
£500
£1,000
Landlord's gardening equipment in outbuilding
Tick
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Loss of rent alternative accommodation
Tick
Tick
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Property owners liability
£2,000,000
£5,000,000
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Standard excess
£250
£250
Subsidence excess
£1,000
£1,000
Malicious damage by tenants or guests
£1,000
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Legal expenses
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Rent protection
Tick
Tick
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Accidental damage to glass and sanitary fittings
Tick

i

Accidental damage to contents

-

Malicious damage by tenants and/or guests

-

Theft
Tick

i

Theft by tenants and/or guests

-

Single article limit

£500

Landlord's gardening equipment in outbuilding

-

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Loss of rent or alternative accommodation
Tick

i

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Property owners liability

£2,000,000

acordian arrow
Standard Excess

£250

Subsidence excess

£1,000

Malicious damage by tenants or guests

-

acordian arrow
Legal expenses
Tick

i

acordian arrow
Rent protection
Tick

i

Essential
Our basic policy, covering the essentials for your property.

Cover available from £139
Get Started
acordian arrow
acordian arrow
Accidental damage to glass and sanitary fittings
Tick

i

Accidental damage to contents

-

Malicious damage by tenants and/or guests
Tick

i

Theft
Tick

i

Theft by tenants and/or guests
Tick

i

Single article limit

£1,000

Landlord's gardening equipment in outbuilding
Tick

i

acordian arrow
Loss of rent or alternative accommodation
Tick

i

acordian arrow
Property owners liability

£5,000,000

acordian arrow
Standard Excess

£250

Subsidence excess

£1,000

Malicious damage by tenants or guests

£1,000

acordian arrow
Legal expenses
Tick

i

acordian arrow
Rent protection
Tick

i

Premier
Our most comprehensive award winning cover

Cover available from £139
Get Started

What does a landlord insurance policy cover?

Through our unique understanding of the buy to let industry, we are able to provide comprehensive buildings and contents insurance, and offer a valuable insight into the best ways to protect your investment.

Our landlord insurance has been specifically designed to meet the needs and wants of landlords by offering two simple policies that give you peace of mind when insuring buy to let rental properties.

The two landlord insurance policies combine buildings and contents insurance and include loss of rent and liability cover for landlords, assuring effective cover for your investments. Find out more about the types of landlord insurance we cover below.

The types of landlord insurance we cover

Red house for Private Landlord Insurance
Private landlord insurance

If you rent a property on a residential let tenancy agreement that you have full control over then you are a private landlord and need a landlord insurance policy.

Blue house for Portfolio Landlord Insurance
Portfolio landlord insurance

If you are the owner of multiple properties who rents them on a residential let tenancy agreement and has full control over them you need a portfolio landlord insurance policy.

Yellow roof HMO/Student Landlord insurance house
HMO and student landlord insurance

If you rent to multiple unrelated tenants or students in a single property, whether local authority licensed or not, you need a HMO landlord insurance policy.

Overseas Landlord House
Expat landlord insurance

If you manage your rental property from abroad if you are serving or living overseas and are not in the country for extended periods of time, then you need an expat landlord insurance policy.

Commercial insurance blue office space
Commercial landlord insurance

If you rent the property you own on a commercial lease basis for example; shops, offices etc then you need a commercial landlord insurance policy.

Who is Total Landlord Insurance?

Over the last 26 years, our landlord insurance offering has grown with our markets to offer a lifetime partnership to our customers.

The HFIS group also includes government authorised deposit protection scheme, mydeposits, the Property Redress Scheme, Client Money Protect and housing law specialist Landlord Action.

The Hamilton Fraser office commercially insured