{"id":1634,"date":"2022-04-26T08:43:44","date_gmt":"2022-04-26T08:43:44","guid":{"rendered":"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/landlord-versus-home-insurance\/"},"modified":"2025-07-30T10:26:18","modified_gmt":"2025-07-30T10:26:18","slug":"landlord-versus-home-insurance","status":"publish","type":"page","link":"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/landlord-versus-home-insurance\/","title":{"rendered":"Landlord insurance vs. home 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\" id=\"h-landlord-insurance-vs-home-insurance\">Landlord insurance vs. home insurance<\/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-43ea5126c95505278a098b0b2b23c106 wp-block-paragraph\" style=\"line-height:1.7\">Join over <strong>315,000 landlords<\/strong> \u2013 we offer a range of liability covers from <strong>\u00a314.19<\/strong><\/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<p class=\"has-medium-font-size wp-block-paragraph\">Get tailored quotes in&nbsp;<strong>7 minutes<\/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 has-custom-font-size has-medium-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/quote.simplybusiness.co.uk\/business\" 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<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 tailored finance and legal insurance business liability cover<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-left has-azure-700-color has-text-color has-link-color has-xsmall-font-size wp-elements-c7e28e78ccc42e12bed86874d188d3cf wp-block-paragraph wp-block-block\" style=\"line-height:1.7\">*10% of customers pay the equivalent of \u00a314.19 a month<\/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=\"is-hidden-mobile wp-block-post-featured-image is-hidden-mobile\"><img loading=\"lazy\" decoding=\"async\" width=\"815\" height=\"549\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/06\/property-viewing-checklist-for-landlords.jpg?w=815\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Two landlords looking at a property they&#039;re interested in buying\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/06\/property-viewing-checklist-for-landlords.jpg 815w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/06\/property-viewing-checklist-for-landlords.jpg?resize=800,539 800w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/06\/property-viewing-checklist-for-landlords.jpg?resize=768,517 768w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/06\/property-viewing-checklist-for-landlords.jpg?resize=150,101 150w\" sizes=\"auto, (max-width: 815px) 100vw, 815px\" \/><\/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<h2 class=\"wp-block-heading\" id=\"whatsthedifferencebetweenlandlordinsuranceandhomeinsurance\">What\u2019s the difference between landlord insurance and home insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When it comes to rental property insurance, working out what cover you need can seem tricky. In general, a conventional home insurance policy won\u2019t be enough for a landlord. Home insurance won\u2019t cover your rental activities, so for a landlord, dedicated insurance is usually essential.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">With Simply Business you can build a flexible landlord insurance policy, choosing from a range of key covers. But what exactly does a landlord policy give you that a home insurance policy can\u2019t? Read on to find out.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-group has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-db32e940 wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--60);padding-right:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--60);padding-left:var(--wp--preset--spacing--60)\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-28f84493 wp-block-columns-is-layout-flex has-1-columns\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"readmoreabout\">Read more about<\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-no-style\">\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/\" data-type=\"page\" data-id=\"1608\">Landlord insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/residential-landlord-insurance\/\">Residential landlord insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/commercial-landlord-insurance\/\">Commercial landlord insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/buy-to-let-insurance\/\">Buy-to-let insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/landlord-covers\/\">Landlord covers<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"morethanahomeinsurancepolicy\">More than a home insurance policy<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Conventional home insurance policies aren\u2019t designed to protect rental properties. As a landlord you need a dedicated policy that will give you flexible protection, tailored to the specific risks you face.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"talktoyourmortgageprovider\">Talk to your mortgage provider<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">First, and perhaps most importantly, if you wish to let your property your mortgage provider is likely to insist that you have a dedicated <a href=\"\/landlord-insurance\/\" data-type=\"page\" data-id=\"1608\">landlord insurance policy<\/a> in place. You may be breaking the terms of your mortgage if you fail to notify your lender about your rental, or if you fail to take out a landlord insurance policy, so make sure you\u2019ve checked and taken action.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"whysimplybusiness\">Why Simply Business?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A good <a href=\"\/landlord-insurance\/\" data-type=\"page\" data-id=\"1608\">landlord insurance policy<\/a> will give you the peace of mind that you and your property are well protected. Of course, landlord insurance will protect the building itself \u2013 your most important asset. But a policy from Simply Business can also include other crucial covers such as public and <a href=\"\/landlord-insurance\/property-owners-liability-insurance\/\">property owners\u2019 liability<\/a>, <a href=\"\/landlord-insurance\/alternative-accommodation\/\">alternative accommodation costs<\/a>, glass and locks replacement, and <a href=\"\/landlord-insurance\/content-insurance\/\">landlords\u2019 contents insurance<\/a>. You might also consider taking out cover for <a href=\"\/landlord-insurance\/loss-of-rent-insurance\/\">loss of rent<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"expertadvice\">Expert advice<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/landlord-insurance\/\" data-type=\"page\" data-id=\"1608\">Landlord insurance<\/a> and home insurance: what\u2019s the difference? Watch our director Deborah Reid explain the difference between landlord and homeowners&#8217; insurance.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.youtube.com\/user\/SimplyBusiness\" rel=\"noopener noreferrer\" target=\"_blank\">Watch more videos from Simply Business<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"coverforlegalcosts\">Cover for legal costs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"\/landlord-insurance\/\" data-type=\"page\" data-id=\"1608\">Landlord insurance<\/a> can also help to protect you against potential legal costs \u2013 protection that a conventional home insurance policy does not offer. Cover of this sort can help to safeguard your financial future.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"accountforyouremployees\">Account for your employees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Finally, you should remember that if you employ anyone to help out with your rental, you\u2019ll be legally obliged to take out <a href=\"\/business-insurance\/employers-liability-insurance\/\">employers\u2019 liability insurance<\/a>. Failure to do so could result in heavy fines for each day that you\u2019re uninsured.<\/p>\n\n\n\n<div class=\"wp-block-group has-azure-200-background-color has-background has-global-padding is-layout-constrained wp-container-core-group-is-layout-db32e940 wp-block-group-is-layout-constrained\" style=\"padding-top:var(--wp--preset--spacing--60);padding-right:var(--wp--preset--spacing--60);padding-bottom:var(--wp--preset--spacing--60);padding-left:var(--wp--preset--spacing--60)\">\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<h4 class=\"wp-block-heading\" id=\"landlordinsurancecovers\">Landlord insurance covers<\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-no-style\">\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/building-insurance\/\">Buildings insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/content-insurance\/\">Contents insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/fixtures-and-fittings-insurance\/\">Fixtures and fittings insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/loss-of-rent-insurance\/\">Loss of rent<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/property-owners-liability-insurance\/\">Property owners&#8217; liability<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/alternative-accommodation\/\">Alternative accommodation insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/accidental-damage\/\">Accidental damage insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/landlord-home-emergency-cover\/\">Landlord home emergency cover<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/landlord-boiler-breakdown-cover\/\">Landlord boiler breakdown cover<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/unoccupied-property-insurance\/\">Unoccupied property insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/tenant-default-insurance\/\">Tenant default insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/rent-guarantee-insurance\/\">Rent guarantee insurance<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/landlord-legal-expenses-insurance\/\">Landlord legal expenses insurance<\/a><\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading\" id=\"landlordinsurancefaqs\">Landlord insurance FAQs<\/h4>\n\n\n\n<ul class=\"wp-block-list is-style-no-style\">\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/faq\/what-is-landlord-insurance\/\">What is landlord insurance?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/faq\/what-does-landlord-insurance-cover\/\">What does landlord insurance cover?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/faq\/do-i-need-landlord-insurance\/\">Why do I need landlord insurance?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/is-landlord-insurance-mandatory\/\">Is landlord insurance mandatory?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/faq\/how-much-does-landlord-insurance-cost\/\">How much does landlord insurance cost?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/faq\/what-type-of-landlord-insurance-do-i-need\/\">What type of landlord insurance do I need?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/faq\/how-much-landlord-insurance-do-i-need\/\">How much landlord insurance do I need?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/how-to-find-cheap-insurance\/\">How do I find cheap landlord insurance?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/what-are-landlord-tax-rates\/\">How much tax does a landlord pay?<\/a><\/li>\n\n\n\n<li class=\"wp-block-list-item\"><a href=\"\/landlord-insurance\/faq\/\">Landlord insurance FAQs<\/a><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group alignwide has-global-padding is-layout-constrained wp-block-group-is-layout-constrained wp-block-block\" style=\"margin-top:var(--wp--preset--spacing--70);margin-bottom:var(--wp--preset--spacing--70);padding-top:var(--wp--preset--spacing--100);padding-bottom:var(--wp--preset--spacing--100)\">\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 is-vertical is-content-justification-center is-layout-flex wp-container-core-group-is-layout-ce155fab wp-block-group-is-layout-flex\">\n<p class=\"has-text-align-center has-large-font-size wp-block-paragraph\"><strong>Rated 4.5\/5 by customers<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"419\" height=\"44\" src=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/SB-UK_Website_FeefoLogoStarRating_4.5.png\" alt=\"\" class=\"wp-image-42090\" style=\"width:397px;height:auto\" srcset=\"https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/SB-UK_Website_FeefoLogoStarRating_4.5.png 419w, https:\/\/www.simplybusiness.co.uk\/wp-content\/uploads\/sites\/3\/2024\/05\/SB-UK_Website_FeefoLogoStarRating_4.5.png?resize=150,16 150w\" sizes=\"auto, (max-width: 419px) 100vw, 419px\" \/><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Our score is based on the reviews we\u2019ve collected on Feefo, the independent customer research specialist.<\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-medium-font-size wp-block-paragraph\">\u201cA fantastic and well informed quotation for our business needs. Simply Business was clear, concise and timely from start to finish. Everything we look for within a company with the pros of a tailored package and cost effective premiums.\u201d<\/p>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\">Nathan, February 2025<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-fc4fd283 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-fill\"><a class=\"wp-block-button__link has-text-align-center wp-element-button\" href=\"https:\/\/www.feefo.com\/en-GB\/reviews\/simply-business?displayFeedbackType=SERVICE&amp;timeFrame=YEAR\" rel=\"noopener noreferrer\" target=\"_blank\">Read all our reviews<\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n\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--1\"><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 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c-0.5-0.5-1.002-0.808-1.594-1.038c-0.572-0.222-1.227-0.375-2.185-0.418C14.751,3.01,14.444,3,12,3L12,3z M12,7.378 c-2.552,0-4.622,2.069-4.622,4.622S9.448,16.622,12,16.622s4.622-2.069,4.622-4.622S14.552,7.378,12,7.378z M12,15 c-1.657,0-3-1.343-3-3s1.343-3,3-3s3,1.343,3,3S13.657,15,12,15z M16.804,6.116c-0.596,0-1.08,0.484-1.08,1.08 s0.484,1.08,1.08,1.08c0.596,0,1.08-0.484,1.08-1.08S17.401,6.116,16.804,6.116z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Follow Simply Business on Instagram<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-tiktok  wp-block-social-link\"><a rel=\"noopener nofollow\" target=\"_blank\" href=\"https:\/\/www.tiktok.com\/@simplybusiness\" class=\"wp-block-social-link-anchor\" rel=\"noopener noreferrer\" target=\"_blank\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 32 32\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M16.708 0.027c1.745-0.027 3.48-0.011 5.213-0.027 0.105 2.041 0.839 4.12 2.333 5.563 1.491 1.479 3.6 2.156 5.652 2.385v5.369c-1.923-0.063-3.855-0.463-5.6-1.291-0.76-0.344-1.468-0.787-2.161-1.24-0.009 3.896 0.016 7.787-0.025 11.667-0.104 1.864-0.719 3.719-1.803 5.255-1.744 2.557-4.771 4.224-7.88 4.276-1.907 0.109-3.812-0.411-5.437-1.369-2.693-1.588-4.588-4.495-4.864-7.615-0.032-0.667-0.043-1.333-0.016-1.984 0.24-2.537 1.495-4.964 3.443-6.615 2.208-1.923 5.301-2.839 8.197-2.297 0.027 1.975-0.052 3.948-0.052 5.923-1.323-0.428-2.869-0.308-4.025 0.495-0.844 0.547-1.485 1.385-1.819 2.333-0.276 0.676-0.197 1.427-0.181 2.145 0.317 2.188 2.421 4.027 4.667 3.828 1.489-0.016 2.916-0.88 3.692-2.145 0.251-0.443 0.532-0.896 0.547-1.417 0.131-2.385 0.079-4.76 0.095-7.145 0.011-5.375-0.016-10.735 0.025-16.093z\" \/><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Follow Simply Business on TikTok<\/span><\/a><\/li><\/ul>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Check out the difference between landlord and homeowners&#8217; insurance. A conventional home insurance policy won&#8217;t cover your rental activity. Read more.<\/p>\n","protected":false},"author":9,"featured_media":17726,"parent":1608,"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\/"},{"text":"Landlord insurance FAQs","url":"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/faq\/"},{"text":"Landlord insurance vs. home insurance","url":"https:\/\/www.simplybusiness.co.uk\/landlord-insurance\/landlord-versus-home-insurance\/"}],"sb_faq_schema":"{\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"FAQPage\",\n    \"mainEntity\": [\n        {\n            \"@type\": \"Question\",\n            \"name\": \"What's the difference between landlord insurance and home insurance?\",\n            \"acceptedAnswer\": {\n                \"@type\": \"Answer\",\n                \"text\": \"When it comes to rental property insurance, working out what cover you need can seem tricky. In general, a conventional home insurance policy won't be enough for a landlord. Home insurance won't cover your rental activities, so for a landlord, dedicated insurance is usually essential.  With Simply Business you can build a flexible landlord insurance policy, choosing from a range of key covers. But what exactly does a landlord policy give you that a home insurance policy can't? Read on to find out.\"\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":"","sb_primary_cta_id":"","sb_secondary_cta_id":"","sb_no_sticky_header":false,"sb_show_last_updated_date":"","sb_enable_replacement_text":false,"sb_replacement_h1":"","_sb_hreflang_stale":false,"footnotes":""},"hidden-category":[],"import-page-type":[],"coauthors":[201],"class_list":["post-1634","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>Landlord insurance vs home insurance: what&#039;s the difference? - Simply Business UK<\/title>\n<meta name=\"description\" content=\"Check out the difference between landlord and homeowners&#039; insurance. 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