Protection

Landlord Insurance

Landlord insurance is designed to protect your property, rental income, and financial interests when letting out a property. Whether you’re a first-time landlord or managing a growing portfolio, having the right cover in place helps safeguard you against unexpected risks and costly disruptions.

Unlike standard home insurance, landlord insurance provides protection specifically tailored to rental properties. This can include cover for property damage, loss of rental income, landlord liability, and optional extras such as legal expenses or tenant default, ensuring you’re protected against the realities of letting.

We help landlords arrange comprehensive, cost-effective insurance that matches their property type and letting arrangements. By assessing your individual needs, we ensure you have the right level of cover in place, giving you confidence and peace of mind throughout your letting journey.

Is landlord insurance mandatory?

Landlord insurance is not legally required, but most buy-to-let mortgage lenders insist on it as a condition of lending. Even without a mortgage, it’s strongly recommended.

What does landlord insurance typically cover?

Policies usually include buildings insurance, property owners’ liability, and loss of rent. Optional add-ons may include contents cover, legal expenses, and rent guarantee.

Does landlord insurance cover tenants’ belongings?

No. Tenant possessions are not covered. Tenants should arrange their own contents insurance.

Can I insure a furnished rental property?

Yes. Contents cover can be added to protect items you own, such as furniture and appliances provided with the property.

What is landlord liability insurance?

This covers legal and compensation costs if a tenant or visitor is injured at your property and you’re found legally responsible.

Do I need landlord insurance for multiple properties?

Yes. Each property must be insured, but portfolio or multi-property policies may be available for landlords with several rentals.

How can you help?

We review your property and letting setup, source suitable policies from trusted providers, and ensure your cover remains appropriate as your portfolio grows.

Traditional Life Insurance

Life insurance ensures your loved ones are financially protected after your death. It provides a lump sum to cover debts, living expenses, and future financial needs. We offer a range of life insurance options to suit your requirements, helping you secure peace of mind for your family’s future.

Income Protection

Income protection insurance is crucial if you face unexpected illness or injury that prevents you from working. This cover provides a regular income to help you maintain your lifestyle and meet essential expenses during periods of disability. We can help you find the best policy tailored to your needs.

Critical Illness Cover

Critical illness cover provides a lump sum payment if you’re diagnosed with a serious illness, such as cancer or heart disease. This financial support can assist with medical costs and other expenses, offering peace of mind during challenging times. Explore your options with our expert guidance.

Landlord Insurance

Landlord insurance is designed to protect your property, rental income, and financial interests when letting out a property. Whether you’re a first-time landlord or managing a growing portfolio, having the right cover in place helps safeguard you against unexpected risks and costly disruptions.

Whole of Life Insurance

Whole of life insurance provides lifelong coverage with a guaranteed payout upon death. Unlike term policies, it offers peace of mind with its assurance of a payout regardless of when you pass away. Explore our options to find the best whole of life policy to meet your long-term financial goals.

Building and Contents Insurance

Building and contents insurance covers both the structure of your home and your personal belongings. This combined policy protects against risks like fire, theft, and damage, ensuring comprehensive coverage for your property.

Your trusted partner for mortgages and protection, here to help you stay organised, secure, and confident in every financial decision. If you’d like to make your mortgage and protection journey simple and stress-free, just get in touch—I’m here to help.

Legal

Lucky Mortgages Limited are authorised and regulated by the Financial Conduct Authority, FCA number 1025384. Our Companies House number is 15926454. Registered Office: Regus, 1 Quick Silver Way, Cobalt Business Park, Newcastle Upon Tyne, NE27 0QQ

© 2026 Lucky Mortgages Limited. All Rights Reserved.