Be a Total Landlord

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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The importance of landlord insurance

Landlord insurance not only protects you against financial losses connected to letting a property but also the higher risks associated with a buy to let property, such as loss of rent and legal liability cover.

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Policy Comparison

Policy comparison
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Cover available from £139

Essential

Our basic policy, covering the essentials for your property.

Get Started
Premier

Our most comprehensive,
award-winning cover.

Get Started
Standard perils including fire, riot, impact, storm or flood, subsidence and escape of water
Tick
Tick
Accidental damage to glass and sanitary fittings
Tick
Tick
Accidental damage by tenants and/or guests
Tick
Malicious damage by tenants and/or guests
Tick
Theft
Tick
Tick
Theft by tenants and/or guests
Tick
Full cover between tenancies
Tick
Tick
Trace and access
Tick
Tick
Theft of keys or replacement locks
Tick
Tick
Loss of metered water or oil
Tick
Tick
CCTV
Tick
Removal of nests
Tick
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
Loss of rent alternative accommodation
Tick
Tick
Property owners liability
£2,000,000
£5,000,000
Standard excess
£250
£250
Subsidence excess
£1,000
£1,000
Malicious damage by tenants or guests
£1,000
Standard perils including fire, riot, impact, storm or flood, subsidence and escape of water
Tick

i

Accidental damage to glass and sanitary fittings
Tick

i

Accidental damage by tenants and/or guests
Tick

i

Malicious damage by tenants and/or guests

-

Theft
Tick

i

Theft by tenants and/or guests

-

Full cover between tenancies
Tick

i

Trace and access
Tick

i

Theft of keys or replacement locks
Tick

i

Loss of metered water or oil
Tick

i

CCTV

-

Removal of nests

-

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

-

Loss of rent or alternative accommodation
Tick

i

Property owners liability

£2,000,000

Standard Excess

£250

Subsidence excess

£1,000

Malicious damage by tenants or guests

-

Essential
Our basic policy, covering the essentials for your property.
Get Started
Standard perils including fire, riot, impact, storm or flood, subsidence and escape of water
Tick

i

Accidental damage to glass and sanitary fittings
Tick

i

Accidental damage by tenants and/or guests
Tick

i

Malicious damage by tenants and/or guests
Tick

i

Theft
Tick

i

Theft by tenants and/or guests
Tick

i

Full cover between tenancies
Tick

i

Trace and access
Tick

i

Theft of keys or replacement locks
Tick

i

Loss of metered water or oil
Tick

i

CCTV
Tick

i

Removal of nests
Tick

i

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

Loss of rent or alternative accommodation
Tick

i

Property owners liability

£5,000,000

Standard Excess

£250

Subsidence excess

£1,000

Malicious damage by tenants or guests

£1,000

Premium
Our most comprehensive award winning cover
Get Started

The types of landlord we cover

House with blue roof and fence with home insurance
Private landlord

If you rent a property on a residential let tenancy agreement that you have full control over you are a private landlord.

Portfolio landlord insurance houses
Portfolio landlord

Owner of multiple properties who rents them on a residential let tenancy agreement and has full control over.

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

Renting to multiple unrelated tenants or students in a single property, whether local authority licenced or not subject to adhering to HMO rules and regulations.

Overseas Landlord House
Expat landlord

If you manage your rental property from abroad if you are serving, working or living overseas and are not in the country for extended periods of time.

Commercial insurance blue office space
Commercial landlord

If you rent the property you own on a commercial lease basis for example; shops, offices etc.

Who are Total Landlord?

We are the Hamilton Fraser Group’s award winning landlord insurance, starting as an insurance broker in 1996. Over the last 25 years, we have grown with our markets to offer a lifetime partnership to our customers.

The Hamilton Fraser Group also includes government authorised deposit protection scheme, mydeposits, deposit replacement, Ome, the Property Redress Scheme, Client Money Protect and housing law specialist Landlord Action.

The Hamilton Fraser office commercially insured