Churchill is no longer offering Landlord Insurance.
If you need landlord insurance, you can get a quote from our friends at Direct Line.
Direct Line and Churchill are both underwritten by U K Insurance Limited.
If you already have a Churchill Landlord Insurance policy, check out our answers to some common questions for more information.
Residential Landlord Insurance
£15 million buildings cover as standard.
Reasons to choose Residential Landlord Insurance
- Buildings insured for up to £15 million, including Boiler Cover
- Up to £1.5 million contents cover
- New-for-old Contents Insurance
- Access to a 24/7 legal helpline
- The cost of re-housing your tenants following an insured event such as a flood or fire
- Public Liability and Property Owners Liability Insurance up to £2 million with options to increase it to £5 million or £10 million
- Insure up to 10 properties on a multi-property policy online or get in touch to cover more
- Insure floor coverings up to £5,000
- Malicious damage and/or theft by tenant cover (damage you can’t recover from a security deposit, up to £10,000)
- Unlimited glass cover
What is Residential Landlord Insurance?
Residential Landlord Insurance is for landlords renting out a home for people to live in.
It covers the buildings and contents, which you can insure together or separately, and the cost of rehousing tenants if the property is damaged.
If you're letting a property to residential tenants, Home Insurance isn't enough to protect against accidental damage to your property or possessions or loss of rent and legal expenses.
If you want to rent out a property to a third-party business, you need Commercial Landlord Insurance. If you have a mixed portfolio of residential and commercial properties you can insure them under a multi-property policy.
What does Residential Landlord Insurance cover?
Residential Landlord Insurance covers your buildings and contents. You can insure them seperately or together.
Buildings Insurance
If your property is unfurnished without contents, you can take out an insurance policy that covers your buildings only.
Your Buildings Insurance policy covers you from damage to your building caused by fire and adverse weather, or flooding, as well as malicious damage or damage caused by burst pipes.
You can get up to £15 million buildings cover as standard.
Find out more about Buildings Insurance
Contents Insurance
If your property is furnished or part-furnished, you can take out an insurance policy for your contents only.
You can get up to £1.5 million cover for damage to furniture, fixtures, and fittings that don’t form a permanent part of your property’s structure.
Make your policy work for you
Tailor your cover with these optional extras
Public Liability & Property Owners Liability
Increase Public Liability and Property Owners Liability Insurance up to £10m (subject to criteria)
Accidental Damage
Accidental damage for buildings and/or contents when you’ve insured them.
Loss of Rent
Cover for loss of rent if your property becomes uninhabitable following an insured event such as fire or flood.
Legal Expenses
Legal expenses cover up to £250,000 (including repossession cover)
Multi-Property Liability Cover
If you're a landlord for multiple properties, you can insure up to 10 properties on one policy online. If you need to insure more, just get in touch.
Subsidence
Cover against damage to the building as a result of foundations moving. Including subsidence, landslip, or ground heave.
Terrorism Cover
Damage to a property as a result of terrorist acts can result in high costs unless you have the right level of cover in place.
Employers' Liability Cover
If you employ staff, you’re legally required to take out the right level of Employer's Liability Cover. We offer cover up to £10 million.
Rent Arrears Cover
Covers you if your tenants can't pay their rent. Available as part of Legal Expenses Cover on Residential Landlord policies.
Frequently asked questions
Landlord Insurance doesn’t cover you if your tenants are living in the property with you, e.g. a lodger. This is covered under our Home Insurance.
New-for-old contents insurance is a cover that replaces damaged, stolen, or lost items with new products of the same value. Meaning you won’t lose out financially if your item loses its value over time.
This is different to an indemnity policy, where we make a deduction for wear and tear when your claim is settled.