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Portfolio landlord insurance for residential, commercial and mixed property holdings.
Owning property that you let to tenants comes with different risks from owning a property you occupy yourself.
At City Insurance, we arrange landlord insurance for residential, commercial, mixed-use and vacant let properties, helping protect the building, rental income, landlord-owned contents and your responsibilities as the property owner.
At City Insurance, we go beyond policies and paperwork. Our friendly, knowledgeable advisors are here to understand your needs and secure the right cover — whether for your car, home, or business. We partner with top UK insurers to deliver clarity, confidence, and lasting protection.
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Owning property that you let to tenants comes with different risks from owning a property you occupy yourself.
Landlord insurance is designed around those risks, helping protect the building, your rental income, landlord-owned contents and your responsibilities as the property owner.
At City Insurance, we arrange landlord insurance for a wide range of properties, from individual buy-to-let homes and commercial premises to mixed-use buildings and larger property portfolios.
The right cover depends on the property you own, who occupies it and how it is used.
The type of landlord insurance you need depends primarily on the use and occupancy of the property.
If your property is let entirely for residential purposes, residential landlord insurance is usually the appropriate starting point.
This can include houses, flats, apartments and other homes rented to tenants.
Cover can include buildings insurance, landlord contents, property owners' liability, loss of rent following insured damage and other optional protections.
CommercialCommercial landlord insurance is designed for property owners who let premises to businesses.
This can include shops, offices, restaurants, warehouses, workshops and other commercial buildings.
Because the business operating from the property can significantly affect the risk, insurers will usually need information about both the building and the tenant's activities.
Mixed useSome buildings contain both residential and commercial occupants.
A common example is a shop, café or office on the ground floor with residential flats above.
These properties require insurance that considers both types of occupation rather than treating the building as purely residential or commercial.
VacantRental properties can sometimes become unoccupied between tenants, while undergoing refurbishment or during longer periods without an occupier.
Landlord policies can contain specific conditions relating to unoccupied buildings, and cover may change once a property has been empty for a certain period.
Specialist vacant property insurance can provide protection while the property is unoccupied.
The exact cover available depends on your property, insurer and policy, but landlord insurance can bring together several important areas of protection.
Landlord buildings insurance protects the insured structure of the property against specified risks such as fire, flood, storm and escape of water, subject to the policy terms.
The amount insured should generally reflect the cost of rebuilding the property rather than simply its market value.
If you provide furniture, appliances or other contents as part of the tenancy, landlord contents insurance can protect insured belongings owned by you.
Tenants will generally need to arrange their own insurance for possessions belonging to them.
Owning property can expose you to claims if someone is injured or their property is damaged and you are legally responsible.
Property owners' liability insurance can provide protection against insured claims relating to your responsibilities as the property owner.
If insured damage makes the property uninhabitable or unusable, you may temporarily lose rental income while repairs are carried out.
Loss of rent cover can protect insured rental income following certain covered events, subject to policy limits and conditions.
Depending on the policy selected, cover may be available for malicious damage deliberately caused by tenants or other parties.
Landlord legal expenses cover may be available for certain insured disputes and legal costs associated with owning and letting property.
A standard home or commercial insurance policy may not always be suitable once a property is being rented to tenants.
Letting a property changes the way the building is occupied and introduces risks associated with tenants, rental income and the landlord's responsibilities as a property owner.
The type of tenant matters too.
A residential tenant living in a flat presents a different risk from a restaurant operating from a commercial premises, while a building containing both may need a policy designed specifically for mixed occupancy.
Choosing the appropriate type of landlord insurance allows the insurer to assess how the property is actually being used.
For landlords with residential investment property, landlord insurance is often referred to as buy-to-let insurance.
It can protect the building while providing additional cover relevant to letting the property to tenants.
Whether you own one rental property or several, the policy should reflect the property itself, its occupants and the amount of rental income you need to protect.
If the property is mortgaged, your lender may also require appropriate buildings insurance to be maintained.
Landlords who rent buildings or units to businesses need insurance that takes the commercial occupation into account.
The tenant's trade can be an important part of the underwriting process because different businesses present different risks.
An office, retailer, restaurant, workshop and warehouse can all occupy similar buildings while creating very different exposures for an insurer.
Commercial landlords should therefore make sure their insurer is kept informed about the businesses occupying their properties.
A building does not always fit neatly into either the residential or commercial category.
Mixed-use properties combine both.
Insurance for these properties needs to reflect the complete occupancy of the building.
Our Mixed Use Landlord Insurance team can help arrange cover for properties containing both residential and commercial tenants.
Even well-managed rental properties can occasionally become empty.
A residential tenant may move out before the next tenancy begins, a commercial lease may end or the property may need renovation before it can be re-let.
Unoccupied buildings can present different risks from occupied premises, and insurers may impose additional conditions or change the cover available after a certain period.
If your rental property becomes vacant, tell your insurer or broker so they can confirm whether your existing policy remains suitable.
Landlords with several properties may be able to arrange cover across a portfolio rather than managing each building entirely separately.
A portfolio can contain similar properties or a mixture of different risks.
Each property still needs to be accurately described, but portfolio insurance can make managing cover across multiple properties more straightforward.
Speak to our team if you own several rental properties and want to discuss suitable options.
Landlord insurance premiums depend on the property and the risk being insured.
For landlords with multiple properties, the overall composition of the portfolio may also affect the insurance arrangement.
Because properties differ considerably, obtaining a quote based on the actual building and occupancy is the best way to establish the cost.
The information required will depend on the property, but you may be asked for key details about the building and how it is occupied.
For mixed-use or multi-let buildings, insurers may need information about each individual occupant.
Providing accurate information helps insurers assess the property correctly and offer appropriate cover.
No two rental properties are exactly alike.
You might own a single buy-to-let house, a shop rented to a business, a building containing commercial premises and flats, or a portfolio made up of several different properties.
City Insurance can help identify the type of landlord insurance you need and compare suitable cover from our panel of insurers.
Or speak directly to our team about your property and we can help determine which type of cover is appropriate.
Get a Landlord Insurance quote or call 0345 017 9795 to speak to our team.
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