Tag: landlord insurance

Rent Guarantee Insurance – Does It Really Work for Landlords?

Author: Mark Alexander

27th January 2026, 3 months ago | 0

Tenant default is one of the biggest risks for landlords. Even with strong referencing, job losses, illness, or disputes can...

Employers’ Liability for Landlords – When You Need It

Author: Mark Alexander

20th January 2026, 3 months ago | 0

Most landlords understand public liability, but fewer appreciate when the law requires employers’ liability (EL). If you directly employ anyone...

Landlord Liability Insurance – What Every Landlord Should Know

Author: Mark Alexander

13th January 2026, 3 months ago | 0

When landlords think of insurance, they often focus on buildings and contents. Yet liability insurance can be even more important....

Underinsurance and the Average Clause – Avoiding Reduced Payouts

Author: Mark Alexander

6th January 2026, 4 months ago | 0

Underinsurance is one of the most expensive mistakes a landlord can make. If your sum insured is too low, insurers...

Non-Disclosure and Misrepresentation – Why Insurers Decline Claims

Author: Mark Alexander

30th December 2025, 4 months ago | 0

One of the most frustrating experiences for landlords is having an insurance claim declined. In many cases, the reason is...

Illegal Activity by Tenants – Are You Covered?

Author: Mark Alexander

23rd December 2025, 4 months ago | 2

One of the worst-case scenarios for landlords is discovering that tenants have used a rental property for illegal activity. Cannabis...

Flood Risk and Landlord Insurance – What You Need to Know

Author: Mark Alexander

16th December 2025, 4 months ago | 0

Flooding is one of the fastest-growing risks for UK landlords. Climate change, heavier rainfall, and overloaded drainage systems mean more...

Subsidence and ground movement – What landlords need to know

Author: Mark Alexander

9th December 2025, 5 months ago | 1

Subsidence is one of the most disruptive and time-consuming perils a landlord can face. Unlike a burst pipe or storm...

Unoccupied rental properties – What insurance covers

Author: Mark Alexander

25th November 2025, 5 months ago | 0

Every landlord experiences voids from time to time, but few realise how quickly insurance cover changes when a property is...

Holiday Lets and Airbnb – What’s Covered and What’s Not

Author: Mark Alexander

18th November 2025, 5 months ago | 0

Short-let properties are not the same as standard buy-to-lets from an insurer’s point of view. Higher guest turnover, longer unoccupied...

Supported Living and Care Sector Tenants – Insurability Issues

Author: Mark Alexander

11th November 2025, 5 months ago | 0

Supported living and care sector arrangements are increasingly popular among landlords, with specialist providers offering long leases and reliable rent....

Student Let Landlord Insurance – What You Need to Know

Author: Mark Alexander

4th November 2025, 6 months ago | 0

Letting to students can be highly profitable, but it comes with a unique set of risks. Higher tenant turnover, seasonal...

She Owned Seven Rentals but No Will, No Life Cover and No Plan

Author: Mark Alexander

31st October 2025, 6 months ago | 6

Case Study: How We Found An AFFORDABLE Solution. When a long-standing landlord from the South East contacted Property118, her goal...

HMOs – Do You Need Different Insurance?

Author: Mark Alexander

28th October 2025, 6 months ago | 0

Houses in Multiple Occupation (HMOs) carry different risks from standard single-lets. Multiple unrelated tenants, higher footfall, more complex fire safety...

Malicious damage by ex-tenants?

Author: Readers Question

28th October 2025, 6 months ago | 0

Mark Alexander’s recent article about malicious damage made interesting reading, but leaves out one scenario which I`m sure would be...

Malicious vs Accidental Damage in Landlord Insurance

Author: Mark Alexander

21st October 2025, 6 months ago | 0

One of the most misunderstood areas of landlord insurance is the difference between malicious damage and accidental damage. Landlords often...

Fire in a Rental Property – How Insurance Responds

Author: Mark Alexander

14th October 2025, 6 months ago | 0

A fire in a rental property is every landlord’s nightmare. Aside from the immediate safety concerns, fires can trigger complex...

Case Study: A Burst Pipe in Winter – Who Pays?

Author: Mark Alexander

7th October 2025, 7 months ago | 0

Winter is one of the riskiest times for landlords. When temperatures drop, pipes can freeze and burst, causing widespread water...

The Most Common Landlord Insurance Claims in the UK

Author: Mark Alexander

30th September 2025, 7 months ago | 0

Insurance is about protecting against the unexpected, but in practice, landlord claims tend to fall into a handful of categories....

Loss of Rent vs Rent Guarantee, What is the Difference?

Author: Mark Alexander

23rd September 2025, 7 months ago | 0

These phrases are often used interchangeably, yet they insure two very different risks. Loss of rent responds when your property...