Landlord legal insurance
Join over 148,000 landlords with legal cover from £3.29 per month*
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
Why do you need landlord legal expenses insurance?
If you’re a landlord who’s been burned by a tenancy dispute or legal proceedings, you’ll know the drain this can put on your time, energy and finances. Landlord legal insurance is designed to cover off your legal risks checklist – from eviction costs and repossession to property damage and squatter cases, we provide £50,000 in cover.
- £50,000 landlord legal expenses insurance, including eviction costs
- repossession, property damage, squatter eviction and rent recovery covered
- legal advice helpline access, if you need guidance before taking action
What does landlord legal insurance cover?
Landlord legal cover insures you for up to £50,000 in legal costs relating to a property or tenancy dispute – typically for things like damage to your property beyond the deposit value, eviction costs and unpaid rent. Landlord insurance legal cover also comes with access to a legal advice helpline, if you’re preparing to take action but need a steer before starting proceedings.
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Repossession
In case you’re having trouble getting your tenants to leave the property.
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Property damage
In case your tenant or their guests damage your property.
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Eviction of squatters
In case someone occupies your property without permission.
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Rent recovery
In case your tenants don’t keep up their rental payments.
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. Read our full Terms and Conditions
How much does landlord legal cover cost?
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £3.29 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
How we work out example prices: Prices are based on payment over 12 months as of 17/11/2022 and are inclusive of Insurance Premium Tax (IPT). If you pay in a lump sum or by Direct Debit, extra fees may apply.
Example landlord legal cover quotes, real prices
£32.36 /month
£287.67 /year
Renting a whole house to a young couple
- Residential
- Semi-detached house
- 3 bedrooms
- 2 bathrooms
- Built between 1980 and 1989
- Less than 1 year
- Occupied
- Based in Leicester
Landlord buildings
£200,001 to £250,000
Legal expenses
£50,000
Property owners’ liability
£2,000,000
£70.78 /month
£629.18 /year
Renting a flat to a couple
- Residential
- Individual flat in purpose built block or building
- 1 bedroom
- 1 bathroom
- Built between 1990 and 2000
- Over 5 years
- Occupied
- Based in Cardiff
Landlord buildings
£250,001 to £300,000
Landlords’ contents
£10,001 to £12,500
Tenant default (rent guarantee)
Included
Legal expenses
£50,000
Property owners’ liability
£2,000,000
Landlord home emergency cover
Included
How we work out example quotes These examples are real quotes from our online system (created 22/04/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your property. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
How it works
Pick what goes into your policy
Only pay for what you need
Get prices from a range of insurers
Choose the best fit for you
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Get your documents the same day
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Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm
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How do claims work?
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 – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023.
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Example claim
Having landlord legal insurance through Simply Business has saved property owners thousands of pounds when the unexpected happened.
Alex saved more than £2,500
Alex (not her real name) served an eviction notice to her tenant, but discovered extensive property damage, including burn marks and knife damage on the carpet. Her landlord legal expenses insurance covered the property damage costs.
Insurance payout
£2,575.00
Covering the cost of malicious damage
Insurance payout
Covering the cost of malicious damage
Covering the cost of malicious damage
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
Landlord insurance legal cover FAQ
Whether you’re new to buying landlord insurance or you’ve been letting your property for a while, here are the answers to some commonly asked questions about landlord legal cover. You can also check out our landlord insurance FAQs.
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 £16.34 per month.
To work this out, we take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 1 January – 31 August 2021). Most customers pay more than this but some pay less.
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.
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:
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.
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 landlord insurance quote.
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. Read our full Terms and Conditions.
