Specialist Cover for Landlords

Let property insurance

When you let your property, either short term or long term, it is essential you have the right home insurance in place. We also provide cover where you permanently or temporarily rent a room to a lodger.

Your property, Covered.

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Frequently Asked Questions

Protecting your Let Property

It can be surprising how many insurers refuse to provide home insurance if you let your property or let a room to a lodger. Its important you obtain the right cover for your property when you choose to rent it, or part of it out.

Our let property insurance is tailored to fit your specific needs, covering both the building and your contents*. It is important to note that the possessions of tenants fall under their own responsibility. As such, we highlight the necessity for tenants to arrange their own contents insurance to protect their personal items.

Let Homes: whether it's short-term or long-term let, we can help
Lodger Accommodation: permanent or short term lets to paying guests
Comprehensive cover for various property types and rental situations
Streamlined quote process tailored to your individual circumstances

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An Intelligent approach to

Insuring a Let Property

No matter how you let your property or who you let it to, our specialist landlord policies are matched to your exact risks.

Nothing generic, nothing wasted.

What we provide

Buildings cover up to £1,000,000

To repair or rebuild your home, as standard by Defaqto, an independent financial research company

Contents Insurance up to £100,000

New for old cover for belongings kept in your home

Alternative accommodation

Temporary accommodation in the event your home is uninhabitable

Replacement locks and keys

For lost or stolen keys

Trace and access cover up to £5,000

Replacement and repair to any parts of the building that are removed when tracing escape of water

Family Legal Protection up to £25,000

Cover for legal expenses (whether prosecuting or defending). There is a £100 excess.

Home Emergency Cover up to £250 per call-out

24 hour immediate assistance from a professional electrician, plumber or other specialist following certain emergencies in the home included as standard.

What isn't included?

We don’t cover loss or damage

Caused by wear, tear or gradual deterioration
That occurred before the policy started
Caused by vermin, insects, pets
Caused by dishonest, wilful or deliberate acts
Arising from leaks from swimming pools, fixed hot tubs, jacuzzies, fixed spas

Cover restrictions

you are only covered up to the maximum claims limits shown on your schedule
you are responsible for any excesses stated in your policy
any exclusions or restrictions shown by endorsement in your schedule

Looking for extra protection? Upgrade your cover

Family Legal Protection Plus

Family Legal Protection Plus extends this cover limit to £50,000 and increases the range of legal disputes that you’re covered for.

Optional
Home Emergency Plus

Enjoy complete protection with extended emergency callout cover with up to £1,000 per callout, £1,000 Total Claims Limit/Year, Boiler & Heating System cover & Alternative Accommodation

Optional
Accidental Damage

Cover for accidental breakages or damage to your buildings e.g: putting your foot through the ceiling, or accidental breakage of glass

Optional

Frequently Asked Questions on Let Properties

Yes, at Intelligent Insurance our let property home insurance takes into account your circumstances. Whether you own a single-family home, a house share, or a property left unoccupied for extended periods, such as a holiday home our policies can be adapted to the situation.

A House in Multiple Occupation (HMO) is a property with three or more storeys and five or more residents. If your property fits this definition, you must obtain an HMO licence from the local council.

If your property remains unoccupied for more than 30 to 60 days, it’s advisable to consider unoccupied insurance cover. This specialist cover is designed to address the unique risks associated with vacant properties, ensuring you have the appropriate protection during extended periods of non-occupancy.

Still have questions? Visit our help centre

Help centre

What you get with Intelligent Insurance

Defaqto 5-Star rated protection
Underwritten by trusted, household-name insurers
Competitive premiums with flexible payment options
UK-based team praised for excellent customer service
Fast online quote - no lengthy phone calls required

Let Property Insurance

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*We may not be able to quote in all circumstances. Cover limits/restrictions and/or conditions may apply to the policy. These are clearly detailed prior to purchase, and in the policy documentation for you to determine if the cover is suitable for your needs.