Get landlord insurance shaped
around your property.

Tell us a little about your rental property and a Spencer Hayes broker will help identify suitable cover options. Whether you own one buy-to-let or a larger property portfolio, we will look at the property, tenants, and risks before recommending the right route.

Landlord insurance with a broker who still picks up the phone.

Why landlord insurance matters

Standard home insurance is not usually designed for rental properties. If a property is let to tenants, used as a buy-to-let, or held as part of a property portfolio, landlords may need specialist insurance that reflects the way the property is occupied.

Landlord insurance can help protect the building, your rental income, your liability as a property owner, and the financial impact of certain insured events. For commercial landlords, the policy may need to consider the type of business tenant, the lease, the premises, and any additional risks linked to the property.

Working with a broker can be especially useful if your property is not straightforward, if you own more than one rental, or if you want advice before choosing cover.

Why use a broker for landlord insurance?

Many landlord insurance policies can be bought online, but not every property is straightforward. If your property is unoccupied, has previous claims, has unusual construction, is let to students, is used as an HMO, has commercial tenants, or forms part of a larger portfolio, a broker can help identify insurers that are more suitable for the risk. A broker can also explain policy limits, exclusions, excesses, loss of rent conditions, liability cover, and optional extras in plain English. Instead of relying only on an online quote journey, you can speak to a real person who understands the property and can help you compare suitable options.

Speak to Spencer Hayes about landlord insurance

Spencer Hayes works with landlords and property owners who want more than a quick online quote. Our team can help you discuss the property, tenant type, claims history, cover requirements, and any details that may affect the insurance. Whether you need residential landlord insurance, commercial landlord insurance, buy-to-let cover, or property owners insurance for a portfolio, Spencer Hayes can help you compare suitable options and choose cover with support from a real broker.

Common questions

Before you buy or renew.

What is landlord insurance?

Landlord insurance is specialist property cover for owners letting a home to tenants. It typically combines buildings cover, property owners' liability, and optional protections like loss of rent and legal expenses.

Do I need landlord insurance if I already have home insurance?

Yes. Standard home insurance generally excludes properties let to tenants. A landlord policy is built around tenanted occupancy and the additional liabilities that come with it.

Can you insure multiple properties?

Yes — portfolio cover consolidates several properties under a single policy and renewal date, often with sharper rates than individual policies.

Do you cover commercial landlord properties?

We do. Property owners insurance for shops, offices, industrial units and mixed-use buildings sits alongside our residential broking.

Can I get cover if my property is unoccupied?

Often yes. Unoccupied property is treated as a higher risk, but we have access to specialist markets that quote where mainstream insurers won't.

Can landlord insurance include loss of rent?

Yes — loss of rent cover protects the income you'd lose if the property becomes uninhabitable following an insured event.

Is property owners' liability included?

Almost always. Most landlord policies include property owners' liability cover; limits and exclusions vary by insurer.

Can I speak to someone before buying?

That's the entire point of using us. Every quote runs through a real broker on the phone — not a chatbot.

A private broker for landlords. Tailored property owners insurance, with rates you won't find on a comparison site.

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Get landlord insurance shapedaround your property.