{"id":1608,"date":"2024-04-24T16:24:58","date_gmt":"2024-04-24T16:24:58","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/\/landlord-insurance\/"},"modified":"2026-05-06T13:00:50","modified_gmt":"2026-05-06T13:00:50","slug":"landlord-insurance","status":"publish","type":"page","link":"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/","title":{"rendered":"Landlord insurance"},"content":{"rendered":"\n<div class=\"wp-block-group alignfull hero-insurance has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-3bed416a wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--90);padding-right:var(--wp--preset--spacing--80);padding-bottom:var(--wp--preset--spacing--90);padding-left:var(--wp--preset--spacing--80)\">\n<div class=\"wp-block-group alignwide hero-insurance__grid is-nowrap is-layout-flex wp-container-core-group-is-layout-b6b71352 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-group hero-insurance__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<h1 class=\"wp-block-heading has-text-align-left has-x-large-font-size\">{{SEO H1}}<\/h1>\n\n\n\n<p class=\"has-text-align-left has-azure-700-color has-text-color has-link-color has-medium-font-size wp-elements-db64829db084670a428ca3a064542a19 wp-block-paragraph\" style=\"line-height:1.7\">{{STRAP LINE COPY}}<\/p>\n\n\n\n<div class=\"wp-block-group hero-insurance__cta-row has-azure-300-background-color has-background is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-cb46ffcb wp-block-group-is-layout-flex\" style=\"border-radius:8px\">\n<div class=\"wp-block-group has-azure-300-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-0747478d wp-block-group-is-layout-constrained\" style=\"border-radius:15px;padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<h3 class=\"wp-block-heading has-azure-600-color has-text-color has-link-color wp-elements-e526ce8edf2659ab1cbd31cafc536f04\" id=\"h-what-is-the-postcode-of-your-rental-property\"><strong>What is the postcode of your rental property?<\/strong><\/h3>\n\n\n\n<form data-site=\"simplybusiness\" action=\"https:\/\/quote.simplybusiness.co.uk\/landlord\" method=\"post\" class=\"simply-business-postcode-of-property__form simply-business-postcode-of-property--default wp-block-simply-business-postcode-of-property\">\n\t<div class=\"postcode-of-property postcode-of-property--default\">\n\t\t<label class=\"postcode-of-property__label\" for=\"postcode-of-property\">\n\t\t\t<input\n\t\t\t\tid=\"postcode-of-property\"\n\t\t\t\tautocorrect=\"false\"\n\t\t\t\tautocomplete=\"off\"\n\t\t\t\tclass=\"postcode-of-property__input\"\n\t\t\t\trole=\"combobox\"\n\t\t\t\tspellcheck=\"false\"\n\t\t\t\tplaceholder=\"What is the postcode of your rental property?\"\n\t\t\t\ttype=\"text\"\n\t\t\t\/>\n\t\t<\/label>\n\t<\/div>\n\n\t<div class=\"wp-block-button has-size-medium is-style-primary\">\n\t\t\t\t\t<button type=\"submit\" class=\"wp-block-button__link wp-element-button postcode-of-property__submit\">\n\t\t\t\tStart your quote\t\t\t<\/button>\n\t\t\t<\/div>\n<\/form>\n<\/div>\n<\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">UK-based expert support, online and on the phone<\/li>\n\n\n\n<li class=\"wp-block-list-item\">Get covered and all your documents the same day<\/li>\n\n\n\n<li class=\"wp-block-list-item\">Compare landlord insurance quotes from trusted brands<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{USP BULLET 4}}<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-left has-azure-700-color has-text-color has-link-color has-xxs-font-size wp-elements-fb6c017edb10e1b396eb76660400d448 wp-block-paragraph\" style=\"line-height:1.7\">{{HERO DISCLAIMER}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group hero-insurance__img-container has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"573\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/landlord_insurance.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A row of terraced houses in the UK on a sunny day\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/landlord_insurance.jpg 1520w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/landlord_insurance.jpg?resize=800,447 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/landlord_insurance.jpg?resize=768,429 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/landlord_insurance.jpg?resize=1024,573 1024w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/landlord_insurance.jpg?resize=150,84 150w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-0111f410 wp-block-columns-is-layout-flex has-3-columns wp-block-block\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<p class=\"has-azure-600-color has-text-color has-link-color wp-elements-f98a563b5597620ea8c0a3b82a1fd257 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--20)\">Compare quotes from leading brands<\/p>\n\n\n\n<div class=\"wp-block-group is-content-justification-left is-layout-flex wp-container-core-group-is-layout-f0b9e014 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"88\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/AIG.png\" alt=\"AIG insurance logo\" class=\"wp-image-26362\" style=\"width:auto;height:33px\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"66\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/axa.webp\" alt=\"Axa insurance logo\" class=\"wp-image-6226\" style=\"width:33px;height:auto\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"73\" height=\"33\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/Churchill_Logo_Colour.png\" alt=\"Churchill insurance logo\" class=\"wp-image-34276\" style=\"width:73px;height:auto\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"119\" height=\"83\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/Asset-2-1.png\" alt=\"Covea insurance logo\" class=\"wp-image-38892\" style=\"width:57px;height:auto\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"67\" height=\"33\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/06\/hiscox.webp\" alt=\"Hiscox insurance logo\" class=\"wp-image-19204\" style=\"width:65px;height:auto\"\/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"98\" height=\"66\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/zurich.webp\" alt=\"Zurich insurance logo\" class=\"wp-image-10327\" style=\"width:49px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/zurich.webp 98w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/zurich.webp?resize=96,66 96w\" sizes=\"auto, (max-width: 98px) 100vw, 98px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-7ce07128 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"69\" height=\"105\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/03\/Rating_33x50_150_92f8c1.png\" alt=\"Thumbs up emoji\" class=\"wp-image-34299\" style=\"width:33px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-f1189ed3 wp-block-group-is-layout-flex\">\n<p class=\"has-azure-600-color has-text-color has-link-color wp-elements-6f58445ff9241e0ffe20be82ffeb3712 wp-block-paragraph\" style=\"margin-bottom:0;line-height:1.7\"><strong>Rated 4.5\/5<\/strong><\/p>\n\n\n\n<p class=\"has-yellow-400-color has-text-color has-link-color has-xxs-font-size wp-elements-50340db96b63934a24afd89a65e92cd7 wp-block-paragraph\" style=\"padding-bottom:var(--wp--preset--spacing--10)\"><svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg> <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg> <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg> <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg> <svg class=\"uikit-icon\" style=\"width: 1em;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 16 16\"><path fill=\"currentColor\" d=\"M8 13.267 3.056 16 4 10.211l-4-4.1 5.528-.844L8 0l2.472 5.267L16 6.11l-4 4.1.944 5.789z\"\/><\/svg><\/p>\n<\/div>\n\n\n\n<p class=\"has-azure-500-color has-text-color has-link-color wp-elements-361daf516b3dd5bf0bd7f5d885ccc85f wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.7\">Based on&nbsp;40k&nbsp;reviews<\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-7ce07128 wp-block-group-is-layout-flex\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"69\" height=\"105\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2025\/03\/Claims_33x50_150_8c1442.png\" alt=\"24 hour clock emoji\" class=\"wp-image-34300\" style=\"width:33px\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-f1189ed3 wp-block-group-is-layout-flex\">\n<p class=\"has-azure-600-color has-text-color has-link-color wp-elements-19421ae9553e0d28e65ad157e6bc0bac wp-block-paragraph\" style=\"margin-bottom:0;line-height:1.7\"><strong>Claims paid in 24 hours<\/strong><mark class=\"has-inline-color has-yellow-400-color\"><\/mark><\/p>\n\n\n\n<p class=\"has-yellow-400-color has-text-color has-link-color has-xxs-font-size wp-elements-c1ca888616921a368ecc273fe13fad71 wp-block-paragraph\"><\/p>\n<\/div>\n\n\n\n<p class=\"has-azure-500-color has-text-color has-link-color wp-elements-d1190afa2e0a7bfbd4846d98d6c6a62f wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.7\">For over 95% of settled claims<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<hr class=\"wp-block-separator alignfull has-text-color has-lead-50-color has-alpha-channel-opacity has-lead-50-background-color has-background\"\/>\n\n\n\n<div class=\"sticky-navigation-block alignwide wp-block-simply-business-sticky-navigation\">\n\t<div class=\"site-container sticky-navigation-block__container\">\n\t\t<div class=\"sticky-navigation-block__title\">\n\t\t\t<p>What&#039;s on this page<\/p>\n\t\t<\/div>\n\t\t<ul class=\"sticky-navigation-block__list\" tabindex=\"0\">\n\t\t\t\t\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#why-is-insurance-important\">Why is insurance important?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#what-does-it-cover\">What does it cover?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#how-much-does-it-cost\">How much does it cost?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#how-do-i-choose-insurance\">How do I choose insurance?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#how-do-claims-work\">How do claims work?<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#faqs\">FAQs<\/a>\n<\/li>\n\n\n\n<li class=\"sticky-navigation-block__item wp-block-simply-business-sticky-nav-item\">\n\t<a href=\"#helpful-articles\">Helpful articles<\/a>\n<\/li>\n\n\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"why-is-insurance-important\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"whydoyouneedlandlordinsurance\">Do I need landlord insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Renting out and maintaining a property can be a full-time job for UK landlords, especially under changing regulations and legal requirements. From buildings and contents cover to tenant default protection, landlord insurance gives you peace of mind, knowing your house is in order if things go wrong.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\"><strong>protection from big claims<\/strong> for injuries and property damage<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>financial support<\/strong> if your property is too damaged to rent out<\/li>\n\n\n\n<li class=\"wp-block-list-item\"><strong>up to \u00a3100,000 rental indemnity<\/strong> if you have to evict your tenants and recover rent<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-medium-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/landlord\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"what-does-it-cover\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"whatdoeslandlordsinsurancecover\">What does landlord insurance cover?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Most landlord policies start with buildings and contents insurance, plus accidental damage cover for smashes or spills. Rent protection is a key concern, so many landlords choose to add tenant default insurance. And remember, if a tenant or visitor claims you\u2019re responsible for an injury \u2013 or damage to their possessions \u2013 property owners\u2019 liability insurance can cover an expensive payout.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"carousel wp-block-simply-business-carousel\">\n\t<div aria-label=\"\" class=\"splide splide--primary\">\n\t\t<div class=\"splide__track\">\n\t\t\t<ul class=\"splide__list wp-block-simply-business-carousel__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/landlord-buildings.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tLandlord building insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case disaster hits and your property gets damaged.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/landlord-contents.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tLandlords contents insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case disaster hits and your contents get damaged.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/professional-indemnity.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tAccidental damage insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case your tenant or their guests accidentally damage your property.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/loss-of-rent.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tRental income protection insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case damage to the property stops your tenants trading, and paying rent.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/loss-of-rent.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tTenant default insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case your tenants don\u2019t keep up their rental payments.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/employers-liability.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tProperty owners\u2019 liability insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case you\u2019re legally responsible for injuries or property damage, as owner of the building.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/landlord-buildings.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tLandlord home emergency cover\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case the boiler fails, or there\u2019s a plumbing or electrical emergency.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/loss-of-rent.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tLandlord legal expenses insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case you\u2019re faced with legal costs as the property\u2019s landlord.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/landlord-contents.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tCommercial landlords\u2019 contents insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case your contents are vandalised, or damaged in an emergency, like a fire.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/tools.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tCommercial landlords\u2019 improvements insurance\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__description\">\n\t\t\t\t\t\t\t\t\t\tIn case you make structural changes to your property.\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t<div class=\"splide__arrows\">\n\t\t\t<button class=\"splide__arrow splide__arrow--prev\">\n\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M7 3 2 8l5 5m6.5-5h-10\" \/><\/svg>\n\t\t\t<\/button>\n\t\t\t<button class=\"splide__arrow splide__arrow--next\">\n\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\" \/><\/svg>\n\t\t\t<\/button>\n\t\t<\/div>\n    <\/div>\n<\/div>\n<div class=\"splide splide--secondary wp-block-simply-business-carousel__content-secondary\">\n\t<div class=\"splide__track\">\n\t\t<ul class=\"splide__list wp-block-simply-business-carousel__content-list\">\n\t\t\t\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"landlord-building-insurancetab-0\">\n\t\n\n<h3 class=\"wp-block-heading\">Landlord building insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case disaster hits and your property gets damaged.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whatstypicallycoveredbybuildingsinsuranceforlandlords\">What\u2019s typically covered by buildings insurance for landlords?<\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">damage to your property caused by incidents like fire, lightning, explosion, malicious damage and escape of water<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">a frozen pipe thaws and bursts causing water to leak and damage the inside of your property<\/li>\n\n\n\n<li class=\"wp-block-list-item\">a fire causes extensive damage to your property<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What you\u2019ll need additional cover for<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">accidental damage to the property caused by your tenants \u2013 you\u2019ll need to add our specific accidental damage cover for this<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/building-insurance\/\" data-type=\"page\" data-id=\"1611\">buildings insurance for landlords<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"landlords-contents-insurancetab-1\">\n\t\n\n<h3 class=\"wp-block-heading\">Landlords contents insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case disaster hits and your contents get damaged.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whatstypicallycoveredbylandlordscontentsinsurance\">What&#8217;s typically covered by landlords contents insurance?<\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">damage to your contents caused by incidents like fire, lightning, explosion, malicious damage and escape of water<\/li>\n\n\n\n<li class=\"wp-block-list-item\">contents include things like your appliances, furniture and household goods<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">your tenant (or their guests) cause deliberate damage to a sofa that belongs to you<\/li>\n\n\n\n<li class=\"wp-block-list-item\">a burst pipe causes water to leak and damage your kitchen appliances<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What you\u2019ll need additional cover for<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">accidental damage to the property caused by your tenants \u2013 you\u2019ll need to add our specific accidental damage cover for this<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/content-insurance\/\" data-type=\"page\" data-id=\"1614\">landlords contents insurance<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"accidental-damage-insurancetab-2\">\n\t\n\n<h3 class=\"wp-block-heading\">Accidental damage insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case your tenant or their guests accidentally damage your property.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whatstypicallycoveredbyaccidentaldamageinsurance\">What&#8217;s typically covered by accidental damage insurance?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Claims against your business for:<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">unexpected physical damage to your property or contents, caused by your tenants or their visitors<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">during a party, someone spills red wine on the sofa you\u2019ve bought for the property<\/li>\n\n\n\n<li class=\"wp-block-list-item\">your tenant\u2019s child throws a toy, breaking a light fitting and damaging the TV you\u2019ve installed<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/accidental-damage\/\" data-type=\"page\" data-id=\"1609\">accidental damage insurance<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"rental-income-protection-insurancetab-9\">\n\t\n\n<h3 class=\"wp-block-heading\">Rental income protection insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case damage to the property stops your tenants trading, and paying rent.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whatstypicallycoveredbyrentalincomeprotectioninsurance\">What&#8217;s typically covered by rental income protection insurance?<\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">damage to the property which prevents your tenants from trading, and being able to pay the rent<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">a fire damages the kitchen on your commercial property, closing your tenant\u2019s business and stopping them from paying rent<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What you\u2019ll need additional cover for<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">your tenants defaulting on the rent for any other reason \u2013 you\u2019ll need to add our specific tenant default cover for this<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/business-interruption-insurance\/\" data-type=\"page\" data-id=\"498\">rental income protection<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"tenant-default-insurancetab-3\">\n\t\n\n<h3 class=\"wp-block-heading\">Tenant default insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case your tenants don\u2019t keep up their rental payments.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whatstypicallycoveredbytenantdefaultinsurance\">What&#8217;s typically covered by tenant default insurance?<\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">up to \u00a3100,000 rental indemnity across a 12 month rental payment period, if you have to evict your tenants for not paying rent<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">your tenant falls behind in their rent and misses four months of payments. You\u2019ve tried to negotiate part payment, but the tenant has stopped answering your calls, so you decide to serve notice<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/tenant-default-insurance\/\" data-type=\"page\" data-id=\"1640\">tenant default insurance<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"property-owners-liability-insurancetab-4\">\n\t\n\n<h3 class=\"wp-block-heading\">Property owners\u2019 liability insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case you\u2019re legally responsible for injuries or property damage, as owner of the building.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whatstypicallycoveredbypropertyownersliabilityinsurance\">What&#8217;s typically covered by property owners\u2019 liability insurance?<\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">legal liability for injuries, accidental loss or damage, as the owner of the property<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">your tenant trips on a loosely fitted carpet, falling down the stairs and breaking their arm and ankle<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/property-owners-liability-insurance\/\" data-type=\"page\" data-id=\"1635\">landlord liability insurance<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"landlord-home-emergency-covertab-5\">\n\t\n\n<h3 class=\"wp-block-heading\">Landlord home emergency cover<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case the boiler fails, or there\u2019s a plumbing or electrical emergency.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whatstypicallycoveredbylandlordhomeemergencycover\">What&#8217;s typically covered by landlord home emergency cover?<\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">emergency boiler repairs and replacements, up to \u00a3500<\/li>\n\n\n\n<li class=\"wp-block-list-item\">plumbing, drainage and electrical emergencies<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">a burst pipe floods your kitchen, making it inaccessible for your tenants<\/li>\n\n\n\n<li class=\"wp-block-list-item\">the heating in your property fails, and your tenant is left without hot water<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What you\u2019ll need additional cover for<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">annual boiler servicing \u2013 you\u2019ll need specific boiler cover for this<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/landlord-home-emergency-cover\/\" data-type=\"page\" data-id=\"1632\">landlord home emergency cover<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"landlord-legal-expenses-insurancetab-6\">\n\t\n\n<h3 class=\"wp-block-heading\">Landlord legal expenses insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case you\u2019re faced with legal costs as the property\u2019s landlord.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whatstypicallycoveredbylandlordlegalexpensesinsurance\">What&#8217;s typically covered by landlord legal expenses insurance?<\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">repossession \u2013 covering your legal costs when trying to regain possession of the property, and appointing a solicitor for you<\/li>\n\n\n\n<li class=\"wp-block-list-item\">property damage \u2013 covering your legal costs if over \u00a31,000 of damage is made to your property, and appointing a solicitor for you<\/li>\n\n\n\n<li class=\"wp-block-list-item\">tenant eviction \u2013 covering the legal costs of evicting your tenants (if you choose to add our specific tenant default insurance, this can pick up the rental payments they owe you)<\/li>\n\n\n\n<li class=\"wp-block-list-item\">rent recovery \u2013 covering your legal costs when recovering rent you\u2019re owed, if it\u2019s late by one calendar month<\/li>\n\n\n\n<li class=\"wp-block-list-item\">tax protection and contractual disputes \u2013 representing and negotiating for you, if a full enquiry is made into your personal tax affairs, or during a contractual dispute over goods and services  <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">following late payments and damage, you need to repossess your property. They\u2019re refusing to leave, so you seek legal advice<\/li>\n\n\n\n<li class=\"wp-block-list-item\">you\u2019ve inspected your property and found considerable damage \u2013 doors have been removed or damaged and kitchen units broken beyond repair. You\u2019d like your tenant to leave the property and pay for the damage, but they argue they\u2019d reported the damage and still have six months left on their contract  <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/landlord-legal-expenses-insurance\/\" data-type=\"page\" data-id=\"1633\">landlord legal expenses insurance<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"commercial-landlords-contents-insurancetab-7\">\n\t\n\n<h3 class=\"wp-block-heading\">Commercial landlords\u2019 contents insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case your contents are vandalised, or damaged in an emergency, like a fire.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whatstypicallycoveredbycommerciallandlordscontentsinsurance\">What&#8217;s typically covered by commercial landlords\u2019 contents insurance?<\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">damage to your contents caused by incidents like fire, lightning, explosion, escape of water or malicious damage<\/li>\n\n\n\n<li class=\"wp-block-list-item\">contents include things like the appliances, furniture and equipment you\u2019ve supplied to your tenant<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">a burst pipe in the kitchen at your property causes damage to some furniture and appliances you\u2019ve provided<\/li>\n\n\n\n<li class=\"wp-block-list-item\">a fire in your customer\u2019s shop destroys the appliances and furniture you\u2019ve supplied<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What you\u2019ll need additional cover for<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">accidental damage to the property caused by your tenants \u2013 you\u2019ll need to add our specific accidental damage cover for this<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/commercial-landlord-insurance\/\" data-type=\"page\" data-id=\"1613\">commercial landlord insurance<\/a><\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"commercial-landlords-improvements-insurancetab-8\">\n\t\n\n<h3 class=\"wp-block-heading\">Commercial landlords\u2019 improvements insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In case you make structural changes to your property.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"whatstypicallycoveredbycommerciallandlordsimprovementsinsurance\">What&#8217;s typically covered by commercial landlords\u2019 improvements insurance?<\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">changes to the structure of your property, like partition walls or wooden flooring (things you\u2019d leave behind if you sold the property)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>For example:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\">a flood damages wooden flooring you\u2019ve just installed, and you need to repair or replace it<\/li>\n<\/ul>\n\n<\/li>\n\n\t\t<\/ul>\n\t<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-5b3b2c0e5484e0a359a1cc8cdf8f2e83 has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xxs-font-size wp-block-paragraph\"><em>This content has been created for general information purposes. Make sure you have the right level of landlord insurance by checking your policy documentation for details. <a href=\"\/terms-conditions\/\" data-type=\"page\" data-id=\"1711\">Read our full Terms and Conditions<\/a><\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"whatpropertytypesarecoveredwithlandlordsinsurance\">What property types are covered with landlords\u2019 insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We provide cover for a range of property types, including:<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<ul class=\"wp-block-list is-style-checks\">\n<li class=\"wp-block-list-item\">terraced and end terrace houses<\/li>\n\n\n\n<li class=\"wp-block-list-item\">semi-detached houses<\/li>\n\n\n\n<li class=\"wp-block-list-item\">detached houses<\/li>\n\n\n\n<li class=\"wp-block-list-item\">bungalows<\/li>\n\n\n\n<li class=\"wp-block-list-item\">maisonettes<\/li>\n\n\n\n<li class=\"wp-block-list-item\">individual flats in purpose-built blocks or buildings<\/li>\n\n\n\n<li class=\"wp-block-list-item\">individual flats in converted buildings or houses<\/li>\n\n\n\n<li class=\"wp-block-list-item\">entire purpose-built buildings with multiple flats<\/li>\n\n\n\n<li class=\"wp-block-list-item\">entire converted buildings or houses with multiple flats<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"how-much-does-it-cost\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"howmuchdoeslandlordinsurancecost\">How much is landlord insurance?<\/h2>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\">The cost of your landlord insurance policy will depend on the covers and cover levels you choose. The price also depends on property type, location and tenants. You can easily find out how much your landlord insurance will cost by running a <a href=\"https:\/\/quote.simplybusiness.co.uk\/landlord\">quick quote online<\/a>.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<p class=\"wp-block-paragraph\">Find out how much you\u2019ll pay for insurance for landlords by comparing prices from a range of <a href=\"\/business-insurance\/insurers\/\" data-type=\"page\" data-id=\"643\">trusted insurers<\/a>. You choose what goes into your policy, so you only pay for what you need.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group cta-box has-azure-300-background-color has-background is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-cb46ffcb wp-block-group-is-layout-flex\" style=\"border-radius:8px\">\n<p class=\"has-medium-font-size wp-block-paragraph\"><strong>{{PRICE MESSAGING}}<\/strong><\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-medium-font-size has-custom-font-size wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/landlord\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color has-xxs-font-size wp-elements-90c8bcdb05d6f36b866ba0888c76e9e0 is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--10);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-azure-800-color has-text-color has-link-color has-xxs-font-size wp-elements-6a7819a8be72bc49312bd8de60cec980 wp-block-paragraph\" style=\"margin-right:var(--wp--preset--spacing--20);margin-left:var(--wp--preset--spacing--20)\"><em>{{PRICING CTA DISCLAIMER}}<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"examplelandlordquotesrealprices\">Landlord insurance quotes example, real prices<\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group pricing-box has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-columns has-border-color is-layout-flex wp-container-core-columns-is-layout-d79c7550 wp-block-columns-is-layout-flex has-2-columns\" style=\"border-color:#cccccc;border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-0f8caa7e wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--20);padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<figure class=\"wp-block-image size-large size-full pricing-box__image\"><img decoding=\"async\" src=\"{{LOGO QUOTE A}}\" alt=\"\" style=\"object-fit:cover\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group is-vertical is-content-justification-right is-layout-flex wp-container-core-group-is-layout-16a37519 wp-block-group-is-layout-flex\">\n<p class=\"has-dark-800-color has-text-color has-link-color wp-elements-f413a5a648ed7a401ba28b567f54ee2a wp-block-paragraph\" style=\"line-height:1.2\"><strong>{{MONTHLY PRICE QUOTE A}} \/month<\/strong><\/p>\n\n\n\n<p class=\"has-neutral-300-color has-text-color has-link-color has-xxs-font-size wp-elements-5a3d935c3efd00eba721bdaff6f76584 wp-block-paragraph\" style=\"line-height:1.7\">{{ANNUAL PRICE QUOTE A}} \/year<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"has-dark-800-color has-text-color has-link-color wp-elements-72ede423982469ecbba424a60b702a25 wp-block-paragraph\" style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;line-height:1.7\">{{DESCRIPTION QUOTE A}}<\/p>\n\n\n\n<ul style=\"margin-top:var(--wp--preset--spacing--20);margin-right:0;margin-bottom:0;margin-left:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;line-height:1.7\" class=\"wp-block-list pricing-box__details-list has-neutral-300-color has-text-color has-link-color has-xxs-font-size wp-elements-144ca3f5d2f5714b0502dd6031facc94\">\n<li class=\"wp-block-list-item\">{{BULLET 1 QUOTE A}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 2 QUOTE A}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 3 QUOTE A}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 4 QUOTE A}}<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column column-list has-neutral-300-color has-text-color has-link-color wp-elements-4cab893a484f41435e7ce1d81f33f1df is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-80e66e9b wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 1 QUOTE A}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 1 QUOTE A}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-6cc28f8c wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 2 QUOTE A}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 2 QUOTE A}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-6cc28f8c wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 3 QUOTE A}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 3 QUOTE A}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-115c1f0e wp-block-group-is-layout-flex\" style=\"border-bottom-style:none;border-bottom-width:0px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 4 QUOTE A}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 4 QUOTE A}}<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group pricing-box has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-columns has-border-color is-layout-flex wp-container-core-columns-is-layout-d79c7550 wp-block-columns-is-layout-flex has-2-columns\" style=\"border-color:#cccccc;border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-0f8caa7e wp-block-group-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--20);padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<figure class=\"wp-block-image size-large size-full pricing-box__image\"><img decoding=\"async\" src=\"{{LOGO QUOTE B}}\" alt=\"\" style=\"object-fit:cover\"\/><\/figure>\n\n\n\n<div class=\"wp-block-group is-vertical is-content-justification-right is-layout-flex wp-container-core-group-is-layout-16a37519 wp-block-group-is-layout-flex\">\n<p class=\"has-dark-800-color has-text-color has-link-color wp-elements-1761615dcec384ecea9a504af30bc541 wp-block-paragraph\" style=\"line-height:1.2\"><strong>{{MONTHLY PRICE QUOTE B}} \/month<\/strong><\/p>\n\n\n\n<p class=\"has-neutral-300-color has-text-color has-link-color has-xxs-font-size wp-elements-e654ae0339daeeff98fb0bbcde1bc6ca wp-block-paragraph\" style=\"line-height:1.7\">{{ANNUAL PRICE QUOTE B}} \/year<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"has-dark-800-color has-text-color has-link-color wp-elements-d7de148fa6627d2dd40dec329e48bfb9 wp-block-paragraph\" style=\"margin-top:0;margin-right:0;margin-bottom:0;margin-left:0;line-height:1.7\">{{DESCRIPTION QUOTE B}}<\/p>\n\n\n\n<ul style=\"margin-top:var(--wp--preset--spacing--20);margin-right:0;margin-bottom:0;margin-left:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0;line-height:1.7\" class=\"wp-block-list pricing-box__details-list has-neutral-300-color has-text-color has-link-color has-xxs-font-size wp-elements-159db0980dd7ea8fffc2e0df1de68f70\">\n<li class=\"wp-block-list-item\">{{BULLET 1 QUOTE B}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 2 QUOTE B}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 3 QUOTE B}}<\/li>\n\n\n\n<li class=\"wp-block-list-item\">{{BULLET 4 QUOTE B}}<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column column-list has-neutral-300-color has-text-color has-link-color wp-elements-a88a70f7571ef790d5a96f3279432ca9 is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-80e66e9b wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 1 QUOTE B}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 1 QUOTE B}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-6cc28f8c wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 2 QUOTE B}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 2 QUOTE B}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-6cc28f8c wp-block-group-is-layout-flex\" style=\"border-bottom-color:#cccccc;border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 3 QUOTE B}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 3 QUOTE B}}<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-space-between is-nowrap is-layout-flex wp-container-core-group-is-layout-115c1f0e wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30)\">\n<p class=\"wp-block-paragraph\">{{COVER 4 QUOTE B}}<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">{{COVERAGE AMOUNT 4 QUOTE B}}<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-b320564db84ec4b9933714f55c53e45f has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xxs-font-size wp-block-paragraph\"><em><strong>How we work out example quotes:<\/strong> These examples are real quotes from our online system (created {{EXAMPLE QUOTE DATE}}). They\u2019re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you\u2019re quoted may differ to the ones you see here.<\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"how-it-works\">\n<div class=\"wp-block-group alignwide list-table has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained wp-block-block\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<h2 class=\"wp-block-heading\" id=\"h-how-it-works\" style=\"margin-bottom:var(--wp--preset--spacing--30)\">How it works<\/h2>\n\n\n\n<div class=\"wp-block-group list-table__stepper has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\" style=\"margin-top:var(--wp--preset--spacing--70)\">\n<div class=\"wp-block-group list-table__step has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-pick-what-goes-into-your-policy\" style=\"margin-top:0;margin-bottom:0\">Pick what goes into your policy<\/h3>\n\n\n\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-543e61b7840f6aacb7765e2c5f297d36 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">Only pay for what you need<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group list-table__step has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-get-prices-from-a-range-of-insurers\" style=\"margin-top:0;margin-bottom:0\">Get prices from a range of insurers<\/h3>\n\n\n\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-353915448579f5843ccd3d48a6308003 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">Choose the best fit for you<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group list-table__step has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading has-medium-font-size\" id=\"h-buy-online-in-minutes\" style=\"margin-top:0;margin-bottom:0\">Buy online in minutes<\/h3>\n\n\n\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-e5970816c7921913b7c8ba5457a2eeb3 wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">Get your documents the same day<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-font-size has-medium-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener\">Start your quote<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center list-table__table is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns list-table__table-column-head is-layout-flex wp-container-core-columns-is-layout-b72f7a82 wp-block-columns-is-layout-flex has-4-columns\" style=\"border-bottom-color:var(--wp--preset--color--dark-800);border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\"><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"390\" height=\"108\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/sme-manifesto-SB-logo.png?w=390\" alt=\"\" class=\"wp-image-26483\" style=\"width:90px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/sme-manifesto-SB-logo.png 390w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/sme-manifesto-SB-logo.png?resize=150,42 150w\" sizes=\"auto, (max-width: 390px) 100vw, 390px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.3\">Direct to<br>insurer<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<p class=\"has-text-align-center wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0;line-height:1.3\">Highstreet<br>broker<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns list-table__table-column is-layout-flex wp-container-core-columns-is-layout-a1f62a3c wp-block-columns-is-layout-flex has-4-columns\" style=\"border-bottom-color:var(--wp--preset--color--lead-50);border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-c155f70b7a56451613a4a356b3b93530 wp-block-paragraph\" style=\"line-height:1.3\">Compare policies from a range of trusted insurers<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-purple.svg\" alt=\"Yes\" class=\"wp-image-1254\" style=\"object-fit:cover;width:30px;height:auto\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/minus-grey.svg\" alt=\"No\" class=\"wp-image-1252\" style=\"width:30px;height:auto\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-grey.svg\" alt=\"Yes\" class=\"wp-image-1255\" style=\"object-fit:cover;width:30px;height:auto\"\/><\/figure>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns list-table__table-column is-layout-flex wp-container-core-columns-is-layout-a1f62a3c wp-block-columns-is-layout-flex has-4-columns\" style=\"border-bottom-color:var(--wp--preset--color--lead-50);border-bottom-width:1px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:40%\">\n<p class=\"has-neutral-500-color has-text-color has-link-color wp-elements-420821db296939de244288cb0da6161e wp-block-paragraph\" style=\"line-height:1.3\">Buy online or over the phone in minutes<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-purple.svg\" alt=\"Yes\" class=\"wp-image-1254\" style=\"object-fit:cover;width:30px;height:30px\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/check-grey.svg\" alt=\"Yes\" class=\"wp-image-1255\" style=\"object-fit:cover;width:30px;height:auto\"\/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/themes\/simply-business\/assets\/svg\/minus-grey.svg\" alt=\"No\" class=\"wp-image-1252\" style=\"width:30px\"\/><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"how-do-i-choose-insurance\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"howdoichooseinsurance\">How does landlord insurance work?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Making sure you have the right type and level of landlord insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"carousel wp-block-simply-business-carousel\">\n\t<div aria-label=\"\" class=\"splide splide--primary\">\n\t\t<div class=\"splide__track\">\n\t\t\t<ul class=\"splide__list wp-block-simply-business-carousel__list\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/landlord-buildings.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tWhat if my property is unoccupied?\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/professional-indemnity.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tWhat if my tenant&#8217;s situation changes?\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/checklist_378661.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tAre carpets and curtains covered?\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/loss-of-rent.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tWill tenant default insurance cover me if my property becomes unoccupied?\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/contract-works.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tWhat if I&#8217;m subletting my property?\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class=\"splide__slide\">\n\t\t\t\t\t\t\t<article class=\"wp-block-simply-business-carousel__card\">\n\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icons\">\n\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"48\" height=\"48\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/checklist_378661.svg?w=48\" class=\"wp-block-simply-business-carousel__icon\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t<div class=\"wp-block-simply-business-carousel__icon-plus-minus\">\n\t\t\t\t\t\t\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><g fill=\"none\" fill-rule=\"evenodd\" stroke=\"currentColor\" stroke-width=\"1.5\"><path d=\"M15.071 8H.93\" class=\"minus\" \/><path d=\"M8 .929V15.07M15.071 8H.93\" class=\"plus\" \/><\/g><\/svg>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p class=\"wp-block-simply-business-carousel__title\">\n\t\t\t\t\t\t\t\t\t\tDo I need any other additional landlord covers?\t\t\t\t\t\t\t\t\t<\/p>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t<\/div>\n\t\t<div class=\"splide__arrows\">\n\t\t\t<button class=\"splide__arrow splide__arrow--prev\">\n\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M7 3 2 8l5 5m6.5-5h-10\" \/><\/svg>\n\t\t\t<\/button>\n\t\t\t<button class=\"splide__arrow splide__arrow--next\">\n\t\t\t\t\n<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"m8.5 13 5-5-5-5M12 8H2\" \/><\/svg>\n\t\t\t<\/button>\n\t\t<\/div>\n    <\/div>\n<\/div>\n<div class=\"splide splide--secondary wp-block-simply-business-carousel__content-secondary\">\n\t<div class=\"splide__track\">\n\t\t<ul class=\"splide__list wp-block-simply-business-carousel__content-list\">\n\t\t\t\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"what-if-my-property-is-unoccupiedtab-0\">\n\t\n\n<h3 class=\"wp-block-heading\">What if my property is unoccupied?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;ve bought insurance for an unoccupied property, you&#8217;ll be asked to confirm if the property is expected to be occupied within 60 days of the policy starting.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">After this, <strong>you must <\/strong><a href=\"https:\/\/www.simplybusiness.co.uk\/support\/\" data-type=\"page\" data-id=\"5258\"><strong>contact us<\/strong><\/a><strong> to confirm when the property becomes occupied<\/strong> \u2013 if you don&#8217;t tell us, this can cause a delay in any claims being processed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You should also be aware that you can&#8217;t claim for lost rent under the loss of rent section of your insurance if your property becomes unoccupied.<\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"what-if-my-tenants-situation-changestab-1\">\n\t\n\n<h3 class=\"wp-block-heading\">What if my tenant&#8217;s situation changes?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your tenant&#8217;s employment status changes \u2013 or if a new tenant moves in and their employment status is different to the previous tenant \u2013 <strong>you&#8217;ll need to tell us immediately<\/strong>. If you don&#8217;t, it could cause a delay in any claims being processed.<\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"are-carpets-and-curtains-coveredtab-2\">\n\t\n\n<h3 class=\"wp-block-heading\">Are carpets and curtains covered?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The definition of &#8216;fixtures and fittings&#8217; will depend on the insurer \u2013 sometimes, it will include laminate flooring, carpets, curtains and blinds.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s a good idea to check the wording in your policy to understand what&#8217;s covered.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/content-insurance\/\" data-type=\"page\" data-id=\"1614\">contents insurance for landlords<\/a> and <a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/building-insurance\/\" data-type=\"page\" data-id=\"1611\">buildings insurance<\/a>.<\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"will-tenant-default-insurance-cover-me-if-my-property-becomes-unoccupiedtab-3\">\n\t\n\n<h3 class=\"wp-block-heading\">Will tenant default insurance cover me if my property becomes unoccupied?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If your property becomes unoccupied, you won&#8217;t be able to make a claim for lost rent under tenant default cover.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This also applies if your tenant falls into arrears and can&#8217;t pay their rent, but you&#8217;re not planning to evict them. You can only claim for lost rent under tenant default cover if you start repossession proceedings.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Read more about <a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/tenant-default-insurance\/\" data-type=\"page\" data-id=\"1640\">tenant default insurance<\/a> and <a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/rent-guarantee-insurance\/\" data-type=\"page\" data-id=\"1638\">rent guarantee insurance<\/a>.<\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"what-if-im-subletting-my-propertytab-4\">\n\t\n\n<h3 class=\"wp-block-heading\">What if I&#8217;m subletting my property?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s vital that any tenancy agreement that you have is <strong>between you and the occupant of the property<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the occupant of your property has a tenancy agreement with a third party (such as a letting agency or a local authority) and not you as the property owner, then your insurance policy could be cancelled and you won&#8217;t be able to make any claims.<\/p>\n\n<\/li>\n\n\n\n<li class=\"splide__slide wp-block-simply-business-carousel-item\" id=\"do-i-need-any-other-additional-landlord-coverstab-5\">\n\t\n\n<h3 class=\"wp-block-heading\">Do I need any other additional landlord covers?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You can add a range of other important covers to your landlord insurance policy, all while keeping it simple with a single premium and a single renewal date. You might consider these covers:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/commercial-landlord-insurance\/\" data-type=\"page\" data-id=\"1613\">Commercial landlord insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/buy-to-let-insurance\/\" data-type=\"page\" data-id=\"1612\">Buy to let insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/building-insurance\/\" data-type=\"page\" data-id=\"1611\">Building insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/unoccupied-property-insurance\/\" data-type=\"page\" data-id=\"1641\">Unoccupied property insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/multi-property-landlord-insurance\/\" data-type=\"page\" data-id=\"1637\">Multi property landlord insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/residential-landlord-insurance\/\" data-type=\"page\" data-id=\"1639\">Residential landlord insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/alternative-accommodation\/\" data-type=\"page\" data-id=\"1610\">Alternative accommodation<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/rent-guarantee-insurance\/\" data-type=\"page\" data-id=\"1638\">Rent guarantee insurance<\/a><\/li>\n<\/ul>\n\n<\/li>\n\n\t\t<\/ul>\n\t<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-89844a45 wp-block-group-is-layout-constrained wp-block-block\" style=\"padding-top:42px;padding-right:var(--wp--preset--spacing--30);padding-bottom:42px;padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading\" id=\"h-talk-to-an-expert\">Talk to an expert<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"margin-right:var(--wp--preset--spacing--100);margin-left:var(--wp--preset--spacing--10)\">Our team of UK-based insurance experts are here to help,&nbsp;Mon 09.00am &#8211; 05.30pm, Tues 09.00am &#8211; 05.30pm, Weds 09.00am &#8211; 05.30pm, Thurs 09.30am &#8211; 05.30pm, Fri 09.00am &#8211; 05.30pm, Sat 09.00am &#8211; 02.00pm<\/p>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:20%\">\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/customer-support.png\" alt=\"\" class=\"wp-image-14026\" style=\"width:97px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/customer-support.png 128w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/customer-support.png?resize=96,96 96w\" sizes=\"auto, (max-width: 128px) 100vw, 128px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:90%\">\n<p class=\"wp-block-paragraph\" style=\"padding-top:0;padding-bottom:0\"><span style=\"color: var(--wp--preset--color--azure-800);font-family: var(--wp--preset--font-family--museo-sans);font-size: revert;font-weight: var(--wp--custom--font--weight--500)\">Call our team<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" style=\"padding-top:0;padding-bottom:0\"><a href=\"tel:+443330438527\"><strong>0333 043 8527<\/strong><\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-3-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-online\"><a href=\"https:\/\/www.simplybusiness.co.uk\/support\/\">Online<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Contact us on our website whenever suits you<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-phone\"><a href=\"tel:+443330438527\">Phone<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Call our insurance experts during office hours (calls are charged at a local rate)<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\" id=\"h-faqs\"><a href=\"https:\/\/www.simplybusiness.co.uk\/business-insurance\/faq\/\">FAQs<\/a><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Find answers to common insurance questions<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"how-do-claims-work\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"howdoclaimswork\">How do claims work for landlord insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly \u2013 and with a minimum of fuss. That\u2019s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or <a href=\"https:\/\/www.simplybusiness.co.uk\/insurance-claims\/\" data-type=\"page\" data-id=\"467\">claim online<\/a>. They\u2019ll do their best to be fair and supportive.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\">\n<div class=\"wp-block-group pricing-cta has-azure-200-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--30)\">\n<h3 class=\"wp-block-heading has-text-align-center has-azure-700-color has-text-color has-large-font-size\" id=\"pricesstartfrom556permonth\" style=\"padding-top:0;padding-bottom:0\"><strong>{{TRADE CLAIM MESSAGING}}<\/strong><\/h3>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-7a371b99333eebf410dc973851e4fb81 has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xxs-font-size wp-block-paragraph\"><em>{{TRADE CLAIM DISCLAIMER}}<\/em><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"exampleclaim\">Landlord insurance claim example<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Having buy-to-let insurance through Simply Business has saved landlords thousands of pounds when the unexpected happened.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group pricing-box has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-columns has-border-color is-layout-flex wp-container-core-columns-is-layout-d79c7550 wp-block-columns-is-layout-flex has-2-columns\" style=\"border-color:#cccccc;border-width:1px;border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<h4 class=\"wp-block-heading\" id=\"stuartsavedmorethan120000\">Stuart saved more than <strong>\u00a3120,000<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">A fire in Stuart\u2019s (not his real name) rear garden shed causes <strong>extensive smoke and property damage<\/strong>, and his tenant is rushed to hospital. Fire is covered by Stuart\u2019s landlord insurance policy.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column column-list has-neutral-300-color has-text-color has-link-color wp-elements-3b502f29101af839847cc3468207674b is-layout-flow wp-block-column-is-layout-flow\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-f1a9b7be wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-amethyst-700-color has-text-color has-link-color wp-elements-22f03c4a6f80da12e88de45bac6b5119 wp-block-paragraph\"><strong>Insurance payout<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-right has-amethyst-700-color has-text-color has-link-color wp-elements-e49baefbbeaeda6ab76615464fd90bf5 wp-block-paragraph\">\u00a3120,243.84<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Covering the cost of fire damage and injuries<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-amethyst-700-color has-alpha-channel-opacity has-amethyst-700-background-color has-background\"\/>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-f0342b05 wp-block-columns-is-layout-flex has-2-columns\" style=\"margin-top:0;margin-bottom:0\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-amethyst-700-color has-text-color has-link-color wp-elements-235dc6ad25f5a2242a9ded70766cfbd7 wp-block-paragraph\"><strong>Stuart\u2019s costs<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-right has-amethyst-700-color has-text-color has-link-color wp-elements-32f0fa69fa18a0d21099ee0b6297ff0c wp-block-paragraph\">\u00a3100<\/p>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The excess amount stated in Stuart\u2019s policy terms<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-group alignfull has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\" style=\"margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--120);padding-bottom:var(--wp--preset--spacing--120)\">\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-2-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"has-neutral-700-color has-text-color has-link-color has-xx-large-font-size wp-elements-e14f76137fe10a2b08dbfb960dce5899 wp-block-paragraph\" style=\"padding-bottom:var(--wp--preset--spacing--30);letter-spacing:0px;line-height:1.2\"><strong>Chosen by nearly one million small business and landlord customers<\/strong><\/p>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-5fb67d827c00dbcd7402c398052ea5ae wp-block-paragraph\" style=\"margin-top:0;margin-bottom:0\">With insurance for over 1,500 trades, and 9\/10 customers rating us \u2018good\u2019 or \u2018excellent\u2019 on Feefo, you can get tailored quotes in 7 minutes. Compare quotes from leading insurers, buy, and manage your policy \u2013 all in one place.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group is-horizontal is-content-justification-center is-nowrap is-layout-flex wp-container-core-group-is-layout-2256e7f1 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-605425aa wp-block-group-is-layout-flex\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2.5rem; height: 2.5rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"33\" height=\"32\" fill=\"none\" viewBox=\"0 0 33 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M24.622 29.829H8.812l-2.055-8.93a1.41 1.41 0 0 1 .22-1.133 1.19 1.19 0 0 1 .96-.513h17.559c.388.008.748.2.96.513.232.332.312.742.22 1.134z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M1.723 29.829H31.71\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M16.716 25.985c1.105 0 2-.86 2-1.922s-.895-1.922-2-1.922-1.999.86-1.999 1.922.895 1.922 2 1.922Zm.001-14.415c3.036 0 5.498-2.366 5.498-5.285S19.753 1 16.717 1s-5.498 2.366-5.498 5.285 2.462 5.285 5.498 5.285\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M23.38 16.375c-1.688-1.835-4.115-2.886-6.663-2.886-2.55 0-4.976 1.05-6.664 2.886\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:0;padding-left:0\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-27cc22f094adc40f27a74d011fdbe779\" id=\"h-compare-and-buy-in-minutes\" style=\"margin-bottom:0\">Compare and buy in minutes<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-1678a01e7803e76483b7200495ea0631 wp-block-paragraph\" style=\"margin-top:0\">Documents arrive today<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-6969d2fc wp-block-group-is-layout-flex\" style=\"padding-left:var(--wp--preset--spacing--60)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2rem; height: 2rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"27\" height=\"29\" fill=\"none\" viewBox=\"0 0 27 29\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"m7.365 13.579 2.753 3.916a1.18 1.18 0 0 0 1.918.058l8.811-11.169\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M3.164 1.99c-.93 0-1.685.756-1.685 1.688v10.126c0 5.415 8.128 11.44 10.89 13.23.552.36 1.263.36 1.814 0 2.763-1.79 10.89-7.815 10.89-13.23V3.678a1.69 1.69 0 0 0-1.685-1.688z\" clip-rule=\"evenodd\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:0;padding-left:0\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-118c8280014805ccb4ac91f06f5b1338\" id=\"h-rated-uk-sb-feefo-score\" style=\"margin-bottom:0\">Rated 4.5\/5<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-b38a3849b2977c4333453f8104a5603c wp-block-paragraph\" style=\"margin-top:0\">Based on 40k <a href=\"https:\/\/www.feefo.com\/en-GB\/reviews\/simply-business\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" rel=\"noopener noreferrer\" target=\"_blank\">Feefo<\/a><a href=\"https:\/\/www.feefo.com\/en-GB\/reviews\/simply-business\" rel=\"noopener noreferrer\" target=\"_blank\"> reviews<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-horizontal is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-e5fbeb3a wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-nowrap is-layout-flex wp-container-core-group-is-layout-302f6e57 wp-block-group-is-layout-flex\" style=\"padding-right:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--60)\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2rem; height: 2rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"29\" height=\"32\" fill=\"none\" viewBox=\"0 0 29 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M16.142 20.699a1.995 1.995 0 0 1-2.884 0l-5.367-5.6a4.04 4.04 0 0 1-.755-4.656v0a4.025 4.025 0 0 1 6.452-1.048l1.112 1.107 1.112-1.113a4.025 4.025 0 0 1 6.452 1.048v0a4.04 4.04 0 0 1-.755 4.655z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M1.718 5.232v10.151c0 4.964 2.17 11.733 11.548 15.35a4 4 0 0 0 2.868 0c9.375-3.61 11.547-10.428 11.547-15.35V5.232a1.98 1.98 0 0 0-1.155-1.816A28.9 28.9 0 0 0 14.7 1 28.9 28.9 0 0 0 2.874 3.416a1.98 1.98 0 0 0-1.156 1.816\" clip-rule=\"evenodd\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-11298f433c5c8a656f0286dbaea945fd\" id=\"h-here-to-help\" style=\"margin-bottom:0\">Here to help<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-e907ebeab2058a1716e249ffa2128461 wp-block-paragraph\" style=\"margin-top:0\">Help from UK-based experts<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-content-justification-left is-nowrap is-layout-flex wp-container-core-group-is-layout-eba800c7 wp-block-group-is-layout-flex\" style=\"padding-right:0;padding-left:0\"><svg class=\"wp-block-tenup-icon\" style=\"width: 2rem; height: 2rem;\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"35\" height=\"32\" fill=\"none\" viewBox=\"0 0 35 32\"><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M30.801 1h-26.1a1.07 1.07 0 0 0-1.046.839l-1.953 8.804a3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.209 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214 3.21 3.21 0 0 0 3.21 3.214 3.21 3.21 0 0 0 3.21-3.214l-1.955-8.804A1.07 1.07 0 0 0 30.8 1Z\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M11.331 31V20.286m0 0h1.07a3.21 3.21 0 0 1 3.21 3.214 3.21 3.21 0 0 1-3.21 3.214h-1.07\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M4.912 20.286a2.14 2.14 0 0 0-2.14 2.142v6.429a2.141 2.141 0 1 0 4.28 0v-6.429a2.14 2.14 0 0 0-2.14-2.142\" clip-rule=\"evenodd\"\/><path stroke=\"#4632D8\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" d=\"M24.17 31h-2.14c-1.181 0-2.14-.96-2.14-2.143v-6.429c0-1.183.959-2.142 2.14-2.142h2.14m-4.28 6.428h4.28M28.45 31V20.286L32.73 31V20.286\"\/><\/svg>\n\n\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-right:0;padding-left:0\">\n<h6 class=\"wp-block-heading has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-6dbac112d39cf9d89ecc0a895b22fac1\" id=\"h-24-7-claims\" style=\"margin-bottom:0\">24\/7 claims<\/h6>\n\n\n\n<p class=\"has-azure-700-color has-text-color has-link-color has-small-font-size wp-elements-9787d1adb445f0193cb88f694938936c wp-block-paragraph\" style=\"margin-top:0\">Make a claim any time<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"faqs\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\" id=\"landlordinsurancefaqs\">Landlord insurance FAQs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you\u2019re new to buying landlord insurance or you\u2019ve been letting your property for a while, here are the answers to some commonly asked questions about landlords\u2019 insurance. You can also check out our <a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/faq\/\" data-type=\"page\" data-id=\"1615\">landlord insurance FAQs<\/a>.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-2&quot;,&quot;contentId&quot;:&quot;tenup-accordion-2-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-2-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-2-content\" aria-expanded=\"false\" id=\"tenup-accordion-2-header\" class=\"tenup-uikit-container-1 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tHow much is landlord insurance per month?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-2-header\" id=\"tenup-accordion-2-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">This will depend on your specific circumstances, the type of property you\u2019re renting out, your tenants and various other factors. Right now, <strong>our landlord policy prices start from \u00a314.19 per month<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This price is for building and \u00a32 million <a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/property-owners-liability-insurance\/\" data-type=\"page\" data-id=\"1635\">property owners&#8217; liability insurance<\/a> only \u2013 10% of customers paid \u00a3170.45 or less annually in 1st Jan &#8211; 31st May 2024. Equivalent to \u00a314.2 a month (and excludes the extra costs for paying monthly). If you complete a quote, more types of cover will be available, including up to \u00a35 million of property owners&#8217; liability insurance. These all have additional costs. Most customers pay more than this but some pay less.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-4&quot;,&quot;contentId&quot;:&quot;tenup-accordion-4-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-4-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-4-content\" aria-expanded=\"false\" id=\"tenup-accordion-4-header\" class=\"tenup-uikit-container-3 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\t<strong>Does the name of the landlord need to match on both the policy and tenancy agreement<\/strong>?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-4-header\" id=\"tenup-accordion-4-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">We recommend that the name on your insurance policy matches the landlord&#8217;s name on your tenancy agreement as this can help make the process run more smoothly if you ever need to claim.<br>We occasionally see agreements listed under a letting agency or a partner\u2019s name when the insurance policy is under another name. While we appreciate this happens, it can sometimes cause legal delays in the event of&nbsp; a claim. Aligning both documents now can help reduce the chance of admin headaches down the line.&nbsp;<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-6&quot;,&quot;contentId&quot;:&quot;tenup-accordion-6-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-6-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-6-content\" aria-expanded=\"false\" id=\"tenup-accordion-6-header\" class=\"tenup-uikit-container-5 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tWhat is the difference between landlord insurance and home insurance?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-6-header\" id=\"tenup-accordion-6-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Home insurance is required when you want to insure the home you\u2019re living in against accidental loss or damage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Landlord insurance is different \u2013 it\u2019s required when you own a property that you rent out to a third party, and don\u2019t live in yourself. It covers different insurance risks from a home policy, taking into account the type of tenant you rent to and how long you\u2019ve owned the property. It also allows you to insure the property and protect yourself against things like loss of rental income, and malicious damage caused by your tenants.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-8&quot;,&quot;contentId&quot;:&quot;tenup-accordion-8-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-8-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-8-content\" aria-expanded=\"false\" id=\"tenup-accordion-8-header\" class=\"tenup-uikit-container-7 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tWhat insurance do I need as a landlord?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-8-header\" id=\"tenup-accordion-8-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">You aren\u2019t legally required to take out a specific landlord policy, but remember \u2013 a conventional home insurance policy won\u2019t cover you for rental activities, and a mortgage lender will usually demand you have specific landlord cover in place, before you let your property.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Popular covers include property owners\u2019 liability and contents insurance, for accidents on your property, plus buildings cover to protect the property itself.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-10&quot;,&quot;contentId&quot;:&quot;tenup-accordion-10-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-10-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-10-content\" aria-expanded=\"false\" id=\"tenup-accordion-10-header\" class=\"tenup-uikit-container-9 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tIs landlord insurance mandatory?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-10-header\" id=\"tenup-accordion-10-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">As we\u2019ve outlined above, there\u2019s currently no legal obligation to take out a dedicated landlord insurance policy. However, a home insurance policy won\u2019t cover you for the specific risks you and your tenants face, and a mortgage lender will usually require you to have buy-to-let insurance in place too, before renting out your property.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-12&quot;,&quot;contentId&quot;:&quot;tenup-accordion-12-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-12-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-12-content\" aria-expanded=\"false\" id=\"tenup-accordion-12-header\" class=\"tenup-uikit-container-11 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tWhat does landlord contents insurance cover?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-12-header\" id=\"tenup-accordion-12-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/content-insurance\/\" data-type=\"page\" data-id=\"1614\">Landlord contents insurance<\/a>&nbsp;can cover the cost of repairing or replacing household items like furniture and appliances if they\u2019re damaged, destroyed or stolen. Landlord contents insurance only covers things that belong to the landlord &#8211; tenants need to take out their own contents insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Imagine someone broke into your rental property and stole the television you\u2019d provided for your tenants, or the property was flooded and the sofa suffered water damage. Your landlord contents insurance could cover the cost of replacing the TV or the sofa, minus any excess (the contribution you make towards the cost of the claim).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you choose your level of landlord contents insurance, you need to estimate what it would cost to replace all of the household items you provide to your tenants.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>What isn\u2019t covered by landlord contents insurance<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s important to understand that landlord contents insurance doesn\u2019t cover gradual \u2018wear and tear\u2019 of furniture over time, or anything that belongs to the tenants. Your tenants will need to take out their own contents insurance policy to cover their possessions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You may also want to include&nbsp;<a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/accidental-damage\/\" data-type=\"page\" data-id=\"1609\">accidental damage insurance<\/a>&nbsp;to make sure you\u2019re covered if an item is accidentally damaged by a tenant or visitor, for example if wine is spilt on the sofa or an expensive vase is knocked over and broken.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-14&quot;,&quot;contentId&quot;:&quot;tenup-accordion-14-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-14-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-14-content\" aria-expanded=\"false\" id=\"tenup-accordion-14-header\" class=\"tenup-uikit-container-13 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tDo I need contents insurance as a landlord?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-14-header\" id=\"tenup-accordion-14-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">If you\u2019ve provided furniture and other contents for your tenants \u2013 maybe even a TV or art for the walls \u2013 your property is known as \u2018furnished\u2019, and protection is key for most landlords. You can buy contents insurance as part of your landlord insurance policy, just add it when completing your&nbsp;<a href=\"https:\/\/quote.simplybusiness.co.uk\/landlord\">landlord insurance quote<\/a>.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-16&quot;,&quot;contentId&quot;:&quot;tenup-accordion-16-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-16-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-16-content\" aria-expanded=\"false\" id=\"tenup-accordion-16-header\" class=\"tenup-uikit-container-15 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tWhat is landlord property insurance?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-16-header\" id=\"tenup-accordion-16-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Landlord property insurance is another term for landlord insurance, which covers risks associated with rental properties. Landlord property insurance includes buildings and contents insurance, landlords\u2019 liability insurance, and other covers to protect a landlord\u2019s rental property.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you\u2019re considering landlord property insurance, what probably springs to mind is protecting the bricks and mortar of your rental property from a disaster like a fire or flood.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These risks are covered by&nbsp;<a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/building-insurance\/\" data-type=\"page\" data-id=\"1611\">landlord building insurance<\/a>, but this is potentially only one part of a comprehensive landlord insurance policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Other landlord property insurance covers include&nbsp;<a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/content-insurance\/\" data-type=\"page\" data-id=\"1614\">landlord contents insurance<\/a>, which is especially important if you rent a furnished property, as it can pay for the repair or replacement of your furniture or possessions if they\u2019re damaged or destroyed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another important landlord property insurance cover is&nbsp;<a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/property-owners-liability-insurance\/\" data-type=\"page\" data-id=\"1635\">property owners\u2019 liability insurance<\/a>, which can cover legal fees and compensation costs if someone (like a tenant or visitor) sues you for injury or damage that they blame on your rental property.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are other landlord insurance types available too, depending on which rental property-related risks you\u2019re keen to cover. There\u2019s&nbsp;<a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/tenant-default-insurance\/\" data-type=\"page\" data-id=\"1640\">tenant default insurance<\/a>&nbsp;to cover your rent for a period if your tenants don\u2019t pay, and&nbsp;<a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/landlord-legal-expenses-insurance\/\" data-type=\"page\" data-id=\"1633\">legal expenses insurance<\/a>&nbsp;to cover the cost of court proceedings.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-18&quot;,&quot;contentId&quot;:&quot;tenup-accordion-18-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-18-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-18-content\" aria-expanded=\"false\" id=\"tenup-accordion-18-header\" class=\"tenup-uikit-container-17 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tRent guarantee cover and tenant default \u2013 what\u2019s the difference?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-18-header\" id=\"tenup-accordion-18-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">Rent guarantee and tenant default cover are often misunderstood as being the same thing. Both of these covers are designed to protect a landlord\u2019s income if their tenant stops paying rent \u2013 however, there are key differences which you should be aware of before adding either protection to your landlord insurance policy.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tenant default cover is designed to pay you the rent you\u2019re owed, if you decide to evict tenants who are behind on the rent. Among other things, you\u2019ll need to serve a Section 21 or Section 8 notice, or both, to claim on this type of cover.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Rent guarantee insurance is a different form of protection. It can include cover for properties left unoccupied for a period of time between tenants, as well as instances where the property is uninhabitable due to renovation work, malicious damage or disasters like fire and flooding. It\u2019s often an option you can discuss with a letting agent, who specialises in managing the property for you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Simply Business provides tenant default cover as an option for your landlords\u2019 insurance policy, but <strong>we don\u2019t currently include rent guarantee in our quotes<\/strong>.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-20&quot;,&quot;contentId&quot;:&quot;tenup-accordion-20-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-20-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-20-content\" aria-expanded=\"false\" id=\"tenup-accordion-20-header\" class=\"tenup-uikit-container-19 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tWhat is accidental damage insurance?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-20-header\" id=\"tenup-accordion-20-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/accidental-damage\/\" data-type=\"page\" data-id=\"1609\">Accidental damage insurance<\/a>&nbsp;can protect your property and contents against one-off incidents like spillages or breakages. Accidental damage insurance can be added to your landlord insurance policy to cover the repair or replacement cost if you, a tenant or a visitor accidentally damages something.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You will usually buy landlord accidental damage insurance alongside your&nbsp;<a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/building-insurance\/\" data-type=\"page\" data-id=\"1611\">landlord buildings insurance<\/a>&nbsp;and&nbsp;<a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/content-insurance\/\" data-type=\"page\" data-id=\"1614\">landlords contents insurance<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">When you\u2019re buying this insurance, you need to estimate the rebuild value of your property and the replacement value of your contents as accurately as possible, so that you\u2019re fully covered if you come to make a claim.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/faq\/what-does-accidental-damage-insurance-cover\/\" data-type=\"page\" data-id=\"1620\">What does accidental damage insurance cover?<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Accidental damage insurance can cover the cost of repairing or replacing your property or contents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It could cover the cost of replacing your carpet if a tenant spilt red wine over it, for example, or the cost of repairing a wall if you damaged it while putting up shelves.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It won\u2019t cover gradual wear and tear over time, and it also doesn\u2019t cover items belonging to your tenants.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Do I need accidental damage insurance?<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Some landlord insurance policies cover accidental damage under the buildings and contents part of the policy, so you may not need to buy separate accidental damage insurance. Check your policy documents if you\u2019re not sure.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You may think you don\u2019t need accidental damage insurance because the damage deposit you\u2019ve taken from your tenants could cover the cost of any damage. But remember that it\u2019s likely you won\u2019t be able to access this money until your tenants move out, and also the cost of repair or replacement may be higher than the damage deposit.<\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n\n\n\n<div class=\"wp-block-tenup-accordion\" data-wp-interactive=\"tenup\/accordion\" data-wp-context=\"{&quot;isExpanded&quot;:false,&quot;accordionId&quot;:&quot;tenup-accordion-22&quot;,&quot;contentId&quot;:&quot;tenup-accordion-22-content&quot;,&quot;headerId&quot;:&quot;tenup-accordion-22-header&quot;}\" data-wp-init=\"callbacks.setupListeners\">\n\t\n\n<button aria-controls=\"tenup-accordion-22-content\" aria-expanded=\"false\" id=\"tenup-accordion-22-header\" class=\"tenup-uikit-container-21 icon-position-right wp-block-tenup-accordion-header is-layout-flex wp-container-tenup-accordion-header-is-layout-38d5429e wp-block-tenup-accordion-header-is-layout-flex\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--id=\"context.headerId\" data-wp-bind--aria-controls=\"context.contentId\" data-wp-bind--aria-expanded=\"context.isExpanded\" data-wp-on--click=\"actions.toggle\">\n\t<span class=\"wp-block-tenup-accordion-item__title\">\n\t\tWhat kind of excess should I expect?\t<\/span>\n\t<span class=\"wp-block-tenup-accordion-item__icon\">\n\t\t<svg class=\"icon--collapsed\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M8 .929V15.07M15.071 8H.93\"\/><\/svg>\t\t<svg class=\"icon--expanded\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"currentColor\" aria-hidden=\"true\" viewBox=\"0 0 16 16\"><path fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"square\" stroke-width=\"1.5\" d=\"M15.071 8H.93\"\/><\/svg>\t<\/span>\n<\/button>\n\n\n\n<div aria-hidden=\"true\" aria-labelledby=\"tenup-accordion-22-header\" id=\"tenup-accordion-22-content\" inert class=\"wp-block-tenup-accordion-content\" data-wp-interactive=\"tenup\/accordion\" data-wp-bind--aria-hidden=\"!context.isExpanded\" data-wp-bind--aria-labelledby=\"context.headerId\" data-wp-bind--id=\"context.contentId\" data-wp-bind--inert=\"!context.isExpanded\">\n\t<div class=\"wp-block-tenup-accordion-content__body\">\n\t\t\n\n<p class=\"wp-block-paragraph\">An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is \u00a3250 and you make a claim worth \u00a31000, your payout will be a maximum of \u00a3750.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th>Insurance cover<\/th><th>Lowest excess<\/th><th>Highest excess<\/th><\/tr><\/thead><tbody><tr><td>Main Building<\/td><td>\u00a3100<\/td><td>\u00a32500<\/td><\/tr><tr><td>Fixtures &amp; fittings<\/td><td>\u00a3100<\/td><td>\u00a32500<\/td><\/tr><tr><td>Contents<\/td><td>\u00a3100<\/td><td>\u00a32500<\/td><\/tr><tr><td>Accidental damage<\/td><td>\u00a3100<\/td><td>\u00a3500<\/td><\/tr><tr><td>Landlord liability<\/td><td>\u00a30<\/td><td>\u00a3500<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">*The figures above are for guidance only and any excess applying to your quote may differ. You\u2019ll get a breakdown of the excesses for each quote when you compare with us.<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\t<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group has-azure-800-color has-cyan-100-background-color has-text-color has-background has-link-color wp-elements-e38ea13205ba8db4d8b3cfc74a6b9239 has-global-padding is-layout-constrained wp-container-core-group-is-layout-80fb368b wp-block-group-is-layout-constrained wp-block-block\" style=\"border-radius:8px;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<p class=\"has-xxs-font-size wp-block-paragraph\"><em>We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. <a href=\"\/terms-conditions\/\">Read our full Terms and Conditions<\/a><\/em><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group wp-block-group--author-bio has-azure-200-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"margin-top:var(--wp--preset--spacing--80);margin-bottom:var(--wp--preset--spacing--80);padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--80);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--80)\">\n<div class=\"wp-block-co-authors-plus-coauthors is-layout-flow wp-block-co-authors-plus-coauthors-is-layout-flow\"><div class=\"wp-block-co-authors-plus-coauthor\"><div class=\"wp-block-group is-reduced-gap is-nowrap is-layout-flex wp-container-core-group-is-layout-0ebbc8f5 wp-block-group-is-layout-flex wp-block-null\" style=\"margin-bottom:var(--wp--preset--spacing--20);padding-right:0;padding-left:0\"><div class=\"wp-block-co-authors-plus-avatar\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/stephen-alcock-scaled.jpg?w=38\" width=\"48\" height=\"48\" sizes=\"auto, 48px\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/stephen-alcock-scaled.jpg?w=19 24w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/stephen-alcock-scaled.jpg?w=38 48w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/03\/stephen-alcock-scaled.jpg?w=77 96w\" style=\"border-radius:100px;\"\/><\/div><div class=\"wp-block-group has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><p class=\"has-azure-800-color has-text-color has-link-color has-xxs-font-size wp-elements-de426fab6e76d6ad2546f65b5fa7f93b wp-block-paragraph\" style=\"margin-top:var(--wp--preset--spacing--10);margin-bottom:0;font-style:normal;font-weight:700;line-height:1.2\">Reviewed by<\/p><p style=\"font-style:normal;font-weight:700;line-height:1.2;\" class=\"wp-elements-5ae0374f373cf4f908ba1fe736fa2376 wp-block-co-authors-plus-name has-text-color has-slate-blue-color has-medium-font-size\">Stephen Alcock<\/p><\/div><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\" id=\"helpful-articles\">\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-group alignwide post-list-picker has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\">\n<h3 class=\"wp-block-heading has-text-align-center\">Helpful articles for landlords<\/h3>\n\n\n\n<div class=\"wp-block-columns alignfull is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-4-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<article class=\"wp-block-post post-1066 knowledge type-knowledge status-publish has-post-thumbnail hentry category-landlord-insurance category-landlord-regulation is-entire-card-clickable alignwide wp-block-tenup-post-picker\">\n\t\n\n<div class=\"wp-block-group card-related has-border-color has-lead-50-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-d5d53815 wp-block-group-is-layout-constrained wp-block-null\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group card-related__featured-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"571\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/02\/RulesforLandlords-scaled.png?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"A landlord chats with her tenant in her rental property\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/02\/RulesforLandlords-scaled.png 1500w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/02\/RulesforLandlords-scaled.png?resize=800,446 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/02\/RulesforLandlords-scaled.png?resize=768,429 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/02\/RulesforLandlords-scaled.png?resize=1024,571 1024w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2026\/02\/RulesforLandlords-scaled.png?resize=150,84 150w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-63726500 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><h3 style=\"margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-2e566e9e0495b8e1256a9237eaf69707 wp-block-post-title has-text-color has-dark-800-color has-medium-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/landlord-regulation\/rules-for-landlords-2026\/\" target=\"_self\" >Renting out your property: rules for landlords in 2026<\/a><\/h3><\/div>\n<\/div>\n\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<article class=\"wp-block-post post-1359 knowledge type-knowledge status-publish has-post-thumbnail hentry category-landlord-news category-landlord-tax is-entire-card-clickable alignwide wp-block-tenup-post-picker\">\n\t\n\n<div class=\"wp-block-group card-related has-border-color has-lead-50-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-d5d53815 wp-block-group-is-layout-constrained wp-block-null\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group card-related__featured-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"450\" height=\"336\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/small-business-grants.webp?w=450\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"small-business-grants\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/small-business-grants.webp 450w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/small-business-grants.webp?resize=150,112 150w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-63726500 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><h3 style=\"margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-2e566e9e0495b8e1256a9237eaf69707 wp-block-post-title has-text-color has-dark-800-color has-medium-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/landlord-tax\/buy-to-let-tax-changes\/\" target=\"_self\" >5 buy-to-let tax changes landlords need to know in 2026<\/a><\/h3><\/div>\n<\/div>\n\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<article class=\"wp-block-post post-25949 knowledge type-knowledge status-publish has-post-thumbnail hentry category-landlord-tax is-entire-card-clickable alignwide wp-block-tenup-post-picker\">\n\t\n\n<div class=\"wp-block-group card-related has-border-color has-lead-50-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-d5d53815 wp-block-group-is-layout-constrained wp-block-null\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group card-related__featured-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"549\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/capital-gains-tax-on-property.jpg?w=815\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Landlord looking at tax website on a tablet\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/capital-gains-tax-on-property.jpg 815w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/capital-gains-tax-on-property.jpg?resize=800,539 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/capital-gains-tax-on-property.jpg?resize=768,517 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/10\/capital-gains-tax-on-property.jpg?resize=150,101 150w\" sizes=\"auto, (max-width: 815px) 100vw, 815px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-63726500 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><h3 style=\"margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-2e566e9e0495b8e1256a9237eaf69707 wp-block-post-title has-text-color has-dark-800-color has-medium-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/landlord-tax\/capital-gains-tax-on-property\/\" target=\"_self\" >Capital gains tax on property \u2013 a guide for landlords<\/a><\/h3><\/div>\n<\/div>\n\n<\/article>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:25%\">\n<article class=\"wp-block-post post-25235 knowledge type-knowledge status-publish has-post-thumbnail hentry category-landlord-news category-landlord-regulation is-entire-card-clickable alignwide wp-block-tenup-post-picker\">\n\t\n\n<div class=\"wp-block-group card-related has-border-color has-lead-50-border-color has-global-padding is-layout-constrained wp-container-core-group-is-layout-d5d53815 wp-block-group-is-layout-constrained wp-block-null\" style=\"border-width:1px;border-radius:8px;margin-top:0;margin-bottom:0;padding-top:var(--wp--preset--spacing--30);padding-right:var(--wp--preset--spacing--30);padding-bottom:var(--wp--preset--spacing--30);padding-left:var(--wp--preset--spacing--30)\">\n<div class=\"wp-block-group card-related__featured-image has-global-padding is-layout-constrained wp-container-core-group-is-layout-7db9d80f wp-block-group-is-layout-constrained\" style=\"padding-right:0;padding-left:0\"><figure style=\"aspect-ratio:16\/9;\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"549\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/renters-rights-bill.jpg?w=815\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Tenant packing up and moving out of a rental property\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/renters-rights-bill.jpg 815w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/renters-rights-bill.jpg?resize=800,539 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/renters-rights-bill.jpg?resize=768,517 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/09\/renters-rights-bill.jpg?resize=150,101 150w\" sizes=\"auto, (max-width: 815px) 100vw, 815px\" \/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-group is-vertical is-layout-flex wp-container-core-group-is-layout-63726500 wp-block-group-is-layout-flex\" style=\"margin-top:0;margin-bottom:0;padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\"><h3 style=\"margin-top:0;margin-bottom:0;\" class=\"has-link-color wp-elements-2e566e9e0495b8e1256a9237eaf69707 wp-block-post-title has-text-color has-dark-800-color has-medium-font-size\"><a href=\"https:\/\/www.simplybusiness.co.uk\/knowledge\/landlord-regulation\/renters-rights-bill\/\" target=\"_self\" >Renters\u2019 Rights Act to start from 1 May 2026: guide for landlords<\/a><\/h3><\/div>\n<\/div>\n\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div id=\"newsletter-subscribe\" class=\"wp-block-group newsletter-subscribe is-layout-flow wp-block-group-is-layout-flow wp-block-block\" style=\"border-top-color:#cccccc;border-top-width:1px;padding-top:var(--wp--preset--spacing--80);padding-right:0;padding-bottom:var(--wp--preset--spacing--80);padding-left:0\">\n<p class=\"has-text-align-center has-dark-800-color has-text-color has-link-color has-medium-font-size wp-elements-ced002c3d2e03fde51d8880b5da0f3bb wp-block-paragraph\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">A free monthly newsletter with the latest news and tools for small businesses and landlords.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-222c5d1d wp-block-buttons-is-layout-flex\" style=\"margin-bottom:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-outline has-size-medium is-style-outline--23\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.simplybusiness.co.uk\/about-us\/newsletter-signup\/\">Subscribe to our newsletter<\/a><\/div>\n<\/div>\n\n\n\n<ul class=\"wp-block-social-links has-small-icon-size is-style-logos-only is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-a89b3969 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-facebook  wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.facebook.com\/simplybusiness\" class=\"wp-block-social-link-anchor\" rel=\"noopener noreferrer\" target=\"_blank\"><svg 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Join over 392,000 landlords, covering property damage, loss of rental income and more.<\/p>\n","protected":false},"author":14,"featured_media":2495,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"sb_hreflang":"","sb_hreflang_url":"","disable_breadcrumbs":false,"sb_breadcrumbs":[{"text":"Landlord insurance","url":"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/"}],"sb_faq_schema":"{\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"mainEntity\": [\n        {\n            \"@type\": \"Question\",\n            \"name\": \"What is accidental damage insurance?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"Accidental damage insurance\\u00a0can protect your property and contents against one-off incidents like spillages or breakages. Accidental damage insurance can be added to your landlord insurance policy to cover the repair or replacement cost if you, a tenant or a visitor accidentally damages something.    You will usually buy landlord accidental damage insurance alongside your\\u00a0landlord buildings insurance\\u00a0and\\u00a0landlords contents insurance.    When you're buying this insurance, you need to estimate the rebuild value of your property and the replacement value of your contents as accurately as possible, so that you're fully covered if you come to make a claim.    What does accidental damage insurance cover?    Accidental damage insurance can cover the cost of repairing or replacing your property or contents.    It could cover the cost of replacing your carpet if a tenant spilt red wine over it, for example, or the cost of repairing a wall if you damaged it while putting up shelves.    It won't cover gradual wear and tear over time, and it also doesn't cover items belonging to your tenants.    Do I need accidental damage insurance?    Some landlord insurance policies cover accidental damage under the buildings and contents part of the policy, so you may not need to buy separate accidental damage insurance. Check your policy documents if you're not sure.    You may think you don't need accidental damage insurance because the damage deposit you've taken from your tenants could cover the cost of any damage. But remember that it's likely you won't be able to access this money until your tenants move out, and also the cost of repair or replacement may be higher than the damage deposit.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Rent guarantee cover and tenant default - what's the difference?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"Rent guarantee and tenant default cover are often misunderstood as being the same thing. Both of these covers are designed to protect a landlord's income if their tenant stops paying rent - however, there are key differences which you should be aware of before adding either protection to your landlord insurance policy.    Tenant default cover is designed to pay you the rent you're owed, if you decide to evict tenants who are behind on the rent. Among other things, you'll need to serve a Section 21 or Section 8 notice, or both, to claim on this type of cover.    Rent guarantee insurance is a different form of protection. It can include cover for properties left unoccupied for a period of time between tenants, as well as instances where the property is uninhabitable due to renovation work, malicious damage or disasters like fire and flooding. It's often an option you can discuss with a letting agent, who specialises in managing the property for you.    Simply Business provides tenant default cover as an option for your landlords' insurance policy, but we don't currently include rent guarantee in our quotes.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"What is landlord property insurance?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"Landlord property insurance is another term for landlord insurance, which covers risks associated with rental properties. Landlord property insurance includes buildings and contents insurance, landlords' liability insurance, and other covers to protect a landlord's rental property.    When you're considering landlord property insurance, what probably springs to mind is protecting the bricks and mortar of your rental property from a disaster like a fire or flood.    These risks are covered by\\u00a0landlord building insurance, but this is potentially only one part of a comprehensive landlord insurance policy.    Other landlord property insurance covers include\\u00a0landlord contents insurance, which is especially important if you rent a furnished property, as it can pay for the repair or replacement of your furniture or possessions if they're damaged or destroyed.    Another important landlord property insurance cover is\\u00a0property owners' liability insurance, which can cover legal fees and compensation costs if someone (like a tenant or visitor) sues you for injury or damage that they blame on your rental property.    There are other landlord insurance types available too, depending on which rental property-related risks you're keen to cover. There's\\u00a0tenant default insurance\\u00a0to cover your rent for a period if your tenants don't pay, and\\u00a0legal expenses insurance\\u00a0to cover the cost of court proceedings.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Do landlords need contents insurance?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"If you've provided furniture and other contents for your tenants - maybe even a TV or art for the walls - your property is known as 'furnished', and protection is key for most landlords. You can buy contents insurance as part of your landlord insurance policy, just add it when completing your\\u00a0landlord insurance quote.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"What does landlord contents insurance cover?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"Landlord contents insurance\\u00a0can cover the cost of repairing or replacing household items like furniture and appliances if they're damaged, destroyed or stolen. Landlord contents insurance only covers things that belong to the landlord - tenants need to take out their own contents insurance.    Imagine someone broke into your rental property and stole the television you'd provided for your tenants, or the property was flooded and the sofa suffered water damage. Your landlord contents insurance could cover the cost of replacing the TV or the sofa, minus any excess (the contribution you make towards the cost of the claim).    When you choose your level of landlord contents insurance, you need to estimate what it would cost to replace all of the household items you provide to your tenants.    What isn't covered by landlord contents insurance    It's important to understand that landlord contents insurance doesn't cover gradual 'wear and tear' of furniture over time, or anything that belongs to the tenants. Your tenants will need to take out their own contents insurance policy to cover their possessions.    You may also want to include\\u00a0accidental damage insurance\\u00a0to make sure you're covered if an item is accidentally damaged by a tenant or visitor, for example if wine is spilt on the sofa or an expensive vase is knocked over and broken.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"Is landlord insurance required by law?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"As we've outlined above, there's currently no legal obligation to take out a dedicated landlord insurance policy. However, a home insurance policy won't cover you for the specific risks you and your tenants face, and a mortgage lender will usually require you to have buy-to-let insurance in place too, before renting out your property.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"What insurance do I need as a landlord?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"You aren't legally required to take out a specific landlord policy, but remember - a conventional home insurance policy won't cover you for rental activities, and a mortgage lender will usually demand you have specific landlord cover in place, before you let your property.    Popular covers include property owners' liability and contents insurance, for accidents on your property, plus buildings cover to protect the property itself.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"What is the difference between landlord insurance and home insurance?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"Home insurance is required when you want to insure the home you're living in against accidental loss or damage.    Landlord insurance is different - it's required when you own a property that you rent out to a third party, and don't live in yourself. It covers different insurance risks from a home policy, taking into account the type of tenant you rent to and how long you've owned the property. It also allows you to insure the property and protect yourself against things like loss of rental income, and malicious damage caused by your tenants.\"\n            }\n        },\n        {\n            \"@type\": \"Question\",\n            \"name\": \"How much is landlord insurance per month?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"This will depend on your specific circumstances, the type of property you're renting out, your tenants and various other factors. Right now, our landlord policy prices start from \u00a39.53 per month.    To work this out, 10% of our customers paid up to \u00a3114.35 a year for a landlord buildings cover only policy between 1st April 2023 - 30th June 2023. Equivalent to \u00a39.53 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.\"\n            }\n        }\n    ]\n}\n\n","sb_phone":"","sb_header_url_text":"","sb_secondary_logo":0,"sb_secondary_logo_url":"","sb_show_primary_cta":true,"sb_primary_cta_text":"","sb_primary_cta_url":"","sb_show_secondary_cta":true,"sb_secondary_cta_text":"","sb_secondary_cta_url":"","sb_show_contact_cta":true,"sb_contact_cta_id":"nav_contact_cta","sb_primary_cta_id":"nav_primary_cta","sb_secondary_cta_id":"nav_secondary_cta","sb_no_sticky_header":false,"sb_show_last_updated_date":"on","sb_enable_replacement_text":false,"sb_replacement_h1":"","_sb_hreflang_stale":false,"footnotes":""},"hidden-category":[],"import-page-type":[],"coauthors":[450],"class_list":["post-1608","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>{{SEO PAGE TITLE}}<\/title>\n<meta name=\"description\" content=\"{{SEO PAGE DESCRIPTION}}\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Landlord Insurance from \u00a314.19 per month - Simply Business UK\" \/>\n<meta property=\"og:description\" content=\"Landlord insurance quotes from trusted insurers. 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You may also want to include&nbsp;accidental damage insurance&nbsp;to make sure you\u2019re covered if an item is accidentally damaged by a tenant or visitor, for example if wine is spilt on the sofa or an expensive vase is knocked over and broken.\"}},{\"@type\":\"Question\",\"name\":\"Do I need contents insurance as a landlord?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"If you\u2019ve provided furniture and other contents for your tenants \u2013 maybe even a TV or art for the walls \u2013 your property is known as \u2018furnished\u2019, and protection is key for most landlords. You can buy contents insurance as part of your landlord insurance policy, just add it when completing your&nbsp;landlord insurance quote.\"}},{\"@type\":\"Question\",\"name\":\"What is landlord property insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Landlord property insurance is another term for landlord insurance, which covers risks associated with rental properties. 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Simply Business provides tenant default cover as an option for your landlords\u2019 insurance policy, but we don\u2019t currently include rent guarantee in our quotes.\"}},{\"@type\":\"Question\",\"name\":\"What is accidental damage insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Accidental damage insurance&nbsp;can protect your property and contents against one-off incidents like spillages or breakages. Accidental damage insurance can be added to your landlord insurance policy to cover the repair or replacement cost if you, a tenant or a visitor accidentally damages something.    You will usually buy landlord accidental damage insurance alongside your&nbsp;landlord buildings insurance&nbsp;and&nbsp;landlords contents insurance.    When you\u2019re buying this insurance, you need to estimate the rebuild value of your property and the replacement value of your contents as accurately as possible, so that you\u2019re fully covered if you come to make a claim.    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However, a home insurance policy won\u2019t cover you for the specific risks you and your tenants face, and a mortgage lender will usually require you to have buy-to-let insurance in place too, before renting out your property."}},{"@type":"Question","name":"What does landlord contents insurance cover?","acceptedAnswer":{"@type":"Answer","text":"Landlord contents insurance&nbsp;can cover the cost of repairing or replacing household items like furniture and appliances if they\u2019re damaged, destroyed or stolen. Landlord contents insurance only covers things that belong to the landlord - tenants need to take out their own contents insurance.    Imagine someone broke into your rental property and stole the television you\u2019d provided for your tenants, or the property was flooded and the sofa suffered water damage. Your landlord contents insurance could cover the cost of replacing the TV or the sofa, minus any excess (the contribution you make towards the cost of the claim).    When you choose your level of landlord contents insurance, you need to estimate what it would cost to replace all of the household items you provide to your tenants.    What isn\u2019t covered by landlord contents insurance    It\u2019s important to understand that landlord contents insurance doesn\u2019t cover gradual \u2018wear and tear\u2019 of furniture over time, or anything that belongs to the tenants. Your tenants will need to take out their own contents insurance policy to cover their possessions.    You may also want to include&nbsp;accidental damage insurance&nbsp;to make sure you\u2019re covered if an item is accidentally damaged by a tenant or visitor, for example if wine is spilt on the sofa or an expensive vase is knocked over and broken."}},{"@type":"Question","name":"Do I need contents insurance as a landlord?","acceptedAnswer":{"@type":"Answer","text":"If you\u2019ve provided furniture and other contents for your tenants \u2013 maybe even a TV or art for the walls \u2013 your property is known as \u2018furnished\u2019, and protection is key for most landlords. You can buy contents insurance as part of your landlord insurance policy, just add it when completing your&nbsp;landlord insurance quote."}},{"@type":"Question","name":"What is landlord property insurance?","acceptedAnswer":{"@type":"Answer","text":"Landlord property insurance is another term for landlord insurance, which covers risks associated with rental properties. Landlord property insurance includes buildings and contents insurance, landlords\u2019 liability insurance, and other covers to protect a landlord\u2019s rental property.    When you\u2019re considering landlord property insurance, what probably springs to mind is protecting the bricks and mortar of your rental property from a disaster like a fire or flood.    These risks are covered by&nbsp;landlord building insurance, but this is potentially only one part of a comprehensive landlord insurance policy.    Other landlord property insurance covers include&nbsp;landlord contents insurance, which is especially important if you rent a furnished property, as it can pay for the repair or replacement of your furniture or possessions if they\u2019re damaged or destroyed.    Another important landlord property insurance cover is&nbsp;property owners\u2019 liability insurance, which can cover legal fees and compensation costs if someone (like a tenant or visitor) sues you for injury or damage that they blame on your rental property.    There are other landlord insurance types available too, depending on which rental property-related risks you\u2019re keen to cover. There\u2019s&nbsp;tenant default insurance&nbsp;to cover your rent for a period if your tenants don\u2019t pay, and&nbsp;legal expenses insurance&nbsp;to cover the cost of court proceedings."}},{"@type":"Question","name":"Rent guarantee cover and tenant default \u2013 what\u2019s the difference?","acceptedAnswer":{"@type":"Answer","text":"Rent guarantee and tenant default cover are often misunderstood as being the same thing. Both of these covers are designed to protect a landlord\u2019s income if their tenant stops paying rent \u2013 however, there are key differences which you should be aware of before adding either protection to your landlord insurance policy.    Tenant default cover is designed to pay you the rent you\u2019re owed, if you decide to evict tenants who are behind on the rent. Among other things, you\u2019ll need to serve a Section 21 or Section 8 notice, or both, to claim on this type of cover.    Rent guarantee insurance is a different form of protection. It can include cover for properties left unoccupied for a period of time between tenants, as well as instances where the property is uninhabitable due to renovation work, malicious damage or disasters like fire and flooding. It\u2019s often an option you can discuss with a letting agent, who specialises in managing the property for you.    Simply Business provides tenant default cover as an option for your landlords\u2019 insurance policy, but we don\u2019t currently include rent guarantee in our quotes."}},{"@type":"Question","name":"What is accidental damage insurance?","acceptedAnswer":{"@type":"Answer","text":"Accidental damage insurance&nbsp;can protect your property and contents against one-off incidents like spillages or breakages. Accidental damage insurance can be added to your landlord insurance policy to cover the repair or replacement cost if you, a tenant or a visitor accidentally damages something.    You will usually buy landlord accidental damage insurance alongside your&nbsp;landlord buildings insurance&nbsp;and&nbsp;landlords contents insurance.    When you\u2019re buying this insurance, you need to estimate the rebuild value of your property and the replacement value of your contents as accurately as possible, so that you\u2019re fully covered if you come to make a claim.    What does accidental damage insurance cover?    Accidental damage insurance can cover the cost of repairing or replacing your property or contents.    It could cover the cost of replacing your carpet if a tenant spilt red wine over it, for example, or the cost of repairing a wall if you damaged it while putting up shelves.    It won\u2019t cover gradual wear and tear over time, and it also doesn\u2019t cover items belonging to your tenants.    Do I need accidental damage insurance?    Some landlord insurance policies cover accidental damage under the buildings and contents part of the policy, so you may not need to buy separate accidental damage insurance. Check your policy documents if you\u2019re not sure.    You may think you don\u2019t need accidental damage insurance because the damage deposit you\u2019ve taken from your tenants could cover the cost of any damage. But remember that it\u2019s likely you won\u2019t be able to access this money until your tenants move out, and also the cost of repair or replacement may be higher than the damage deposit."}},{"@type":"Question","name":"What kind of excess should I expect?","acceptedAnswer":{"@type":"Answer","text":"An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is \u00a3250 and you make a claim worth \u00a31000, your payout will be a maximum of \u00a3750.    Insurance coverLowest excessHighest excessMain Building\u00a3100\u00a32500Fixtures &amp; fittings\u00a3100\u00a32500Contents\u00a3100\u00a32500Accidental damage\u00a3100\u00a3500Landlord liability\u00a30\u00a3500*The figures above are for guidance only and any excess applying to your quote may differ. You\u2019ll get a breakdown of the excesses for each quote when you compare with us."}}]},{"@type":"PostalAddress","@id":"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/#local-main-place-address","streetAddress":"Hylo, 105 Bunhill Row","addressLocality":"London","postalCode":"EC1Y 8LZ","addressCountry":"GB"},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/#local-main-organization-logo","url":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/logo.png","contentUrl":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/logo.png","width":533,"height":187,"caption":"Simply Business UK"}]},"geo.placename":"London","geo.region":"United Kingdom (UK)"},"parsely":{"version":"1.1.0","canonical_url":"https:\/\/simplybusiness.co.uk\/landlord-insurance\/","smart_links":{"inbound":0,"outbound":0},"traffic_boost_suggestions_count":0,"meta":{"@context":"https:\/\/schema.org","@type":"WebPage","headline":"Landlord insurance","url":"http:\/\/www.simplybusiness.co.uk\/landlord-insurance\/","mainEntityOfPage":{"@type":"WebPage","@id":"http:\/\/www.simplybusiness.co.uk\/landlord-insurance\/"},"thumbnailUrl":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/landlord_insurance.jpg?w=150&h=150&crop=1","image":{"@type":"ImageObject","url":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/landlord_insurance.jpg"},"articleSection":"General business","author":[{"@type":"Person","name":"Stephen Alcock"}],"creator":["Stephen Alcock"],"publisher":{"@type":"Organization","name":"Simply Business UK","logo":"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/04\/icon-512x512-1.png"},"keywords":[],"dateCreated":"2024-04-24T16:24:58Z","datePublished":"2024-04-24T16:24:58Z","dateModified":"2026-05-06T13:00:50Z"},"rendered":"<script type=\"application\/ld+json\" class=\"wp-parsely-metadata\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"WebPage\",\"headline\":\"Landlord insurance\",\"url\":\"http:\\\/\\\/www.simplybusiness.co.uk\\\/landlord-insurance\\\/\",\"mainEntityOfPage\":{\"@type\":\"WebPage\",\"@id\":\"http:\\\/\\\/www.simplybusiness.co.uk\\\/landlord-insurance\\\/\"},\"thumbnailUrl\":\"https:\\\/\\\/www.simplybusiness.co.uk\\\/wp-content\\\/uploads\\\/sites\\\/3\\\/2024\\\/05\\\/landlord_insurance.jpg?w=150&h=150&crop=1\",\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/www.simplybusiness.co.uk\\\/wp-content\\\/uploads\\\/sites\\\/3\\\/2024\\\/05\\\/landlord_insurance.jpg\"},\"articleSection\":\"General business\",\"author\":[{\"@type\":\"Person\",\"name\":\"Stephen Alcock\"}],\"creator\":[\"Stephen Alcock\"],\"publisher\":{\"@type\":\"Organization\",\"name\":\"Simply Business UK\",\"logo\":\"https:\\\/\\\/www.simplybusiness.co.uk\\\/wp-content\\\/uploads\\\/sites\\\/3\\\/2024\\\/04\\\/icon-512x512-1.png\"},\"keywords\":[],\"dateCreated\":\"2024-04-24T16:24:58Z\",\"datePublished\":\"2024-04-24T16:24:58Z\",\"dateModified\":\"2026-05-06T13:00:50Z\"}<\/script>","tracker_url":"https:\/\/cdn.parsely.com\/keys\/simplybusiness.co.uk\/p.js"},"_links":{"self":[{"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/pages\/1608","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/comments?post=1608"}],"version-history":[{"count":100,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/pages\/1608\/revisions"}],"predecessor-version":[{"id":50796,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/pages\/1608\/revisions\/50796"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/media\/2495"}],"wp:attachment":[{"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/media?parent=1608"}],"wp:term":[{"taxonomy":"hidden-category","embeddable":true,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/hidden-category?post=1608"},{"taxonomy":"import-page-type","embeddable":true,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/import-page-type?post=1608"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/www.simplybusiness.co.uk\/wp-json\/wp\/v2\/coauthors?post=1608"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}