Frequently asked questions

How much is landlord insurance?

The exact price you'll pay for Landlord Insurance is not fixed and changes a lot based on several things.

The key factors that determine your cost include:

• What you cover: The specific features and maximum claim limits you choose for your policy.

• The property: The rental property's location, its type (e.g., flat or house), and its age.

• Your history: The landlord's prior claims history.

• The insurer: Each company uses its own criteria to decide its pricing.

To get the most accurate and affordable quote, the best approach is to compare prices from different insurance providers. An experienced broker (like Aaron Cover, who also handles specialist policies such as HMO Landlord Insurance) can help you find coverage that fits both your budget and your exact requirements.

Is it possible to purchase multi property landlord insurance?

Absolutely! When you own several rental homes, you don't need a separate policy for each one.

You can definitely buy multi-property landlord insurance, which is often called a portfolio policy. This kind of cover is specifically designed for landlords with multiple properties, allowing you to manage all your insurance needs efficiently under a single plan.

If this sounds like what you need, please reach out to our specialist team directly for details on setting up a portfolio policy.

Who pays for building insurance landlord or tenant?

Generally, the landlord is responsible for paying for the building insurance—it's how they protect their investment.

However, sometimes the lease agreement might make the tenant responsible for certain insurance costs. This is more common in commercial renting, but it's crucial to check your lease to confirm exactly who is responsible for what, preventing any confusion later on.

Can I purchase landlord insurance with home emergency cover?

Yes, you absolutely can purchase Landlord Insurance that includes Home Emergency Cover through Aaron cover Insurance Brokers.

This extra cover is designed to give you financial protection and swift assistance for urgent, unexpected repairs at your rental property. This typically includes issues like:

• Plumbing and heating system failures

• Major electrical faults

• Security problems (like broken windows or locks)

If you're interested in packaging Landlord Insurance with this Home Emergency protection, please contact our specialist team directly so we can set up the right policy for you.

How can I contact you?

You can reach us on 0208 050 7861 or email us info@aaroncover.co.uk