Student Landlord Insurance Quotes & Cover

We compare quotes from leading insurers

Compare landlord insurance for student lets and houses in multiple occupation (HMO's)

When you rent out property to multiple tenants such as students, you need landlord insurance in place that gives you peace of mind and protects your property investment.

With multiple tenants renting individual rooms, it’s essential you have the right insurance cover to protect you against a number of risks in case something goes wrong.

While houses in multiple occupation are popular for student rental properties, we can also arrange cover for various types of HMO properties including students, unoccupied and local authority placements.

Knowing what covers to choose can be confusing and finding the right student landlord insurance can be time-consuming. We work with multiple insurers so you can compare quotes from a panel of trusted providers and get the cover that’s right for you.

If you know what you’re looking for you can get quotes online in a matter of minutes. If you’re looking for recommendations or you’re unsure of what’s available then give us a call. Our expert advisors are on hand to make arranging your student landlord insurance simple and hassle-free.

Compare & buy cover online

If you know the covers you require, it's quick & easy to compare property owners and landlord insurance quotes from a selection of insurers on our website.

Start a quote

Request a call back

Unsure of your cover requirements or looking for insurance advice? We'll call to arrange a new insurance quote at a time that's convenient for you

Request a call back

_{Call us on:}
0333 320 6009

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.

Lines open Monday to Friday 9:00am–5:00pm

Student landlord insurance cover in detail

What is student landlord insurance?

Student landlord insurance is a tailored property owners insurance policy that offers coverage for landlords who rent out properties to students or houses of multiple occupancy (HMOs). It typically includes buildings insurance, contents insurance, liability insurance, and optional coverage such as loss of rent insurance and legal expenses insurance. This insurance protects landlords against risks like property damage, theft, liability claims, and loss of rental income, providing financial security and peace of mind.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:

Property owners liability cover

Property liability insurance for student landlords is a crucial component of student landlord insurance. It provides coverage for legal liabilities arising from accidents or injuries that occur on the rental property. This insurance protects student landlords by covering legal fees, medical expenses, and potential compensation costs in case of claims made by injured parties. It offers financial security and peace of mind, ensuring landlords are protected against potential legal risks associated with their student rental property.

Employers' liability insurance

Employers' liability cover for student landlords is a specific type of insurance that provides coverage for legal liabilities related to employees. In the context of student landlords, this insurance is relevant if landlords employ individuals, such as property managers or maintenance staff, to assist with the management and maintenance of their rental properties.

Employers' liability insurance protects landlords in case an employee suffers injury or illness while performing their duties and holds the landlord responsible. It covers the costs of legal fees, medical expenses, and compensation claims that may arise from such incidents. This insurance is essential for student landlords who have employees working on their properties, ensuring they are financially protected in the event of employee-related claims or accidents.

Property covers

Property covers for student let insurance typically include buildings insurance and contents insurance. Here's a brief explanation of each:

Buildings Insurance - This cover protects the physical structure of the property, including the walls, roof, floors, and other permanent fixtures. It provides financial protection against risks such as fire, storms, vandalism, or accidental damage to the building itself. Buildings insurance ensures that the property can be repaired or rebuilt in the event of a covered loss.

Contents Insurance - Protects the landlord's personal possessions and furnishings provided within the property, particularly of importance if you provide your students lets fully furnished. It includes items such as furniture, appliances, carpets, curtains, and other belongings. This coverage protects against risks such as theft, damage, or loss of these items.

These property covers are essential for student let insurance as they safeguard both the physical structure of the property and the contents within it. They help ensure that the landlord's investment is protected from various risks and can be repaired or replaced if necessary.

Commercial legal protection

Commercial legal protection for student landlords can cover legal expenses associated with disputes or legal issues arising from your student let business. It provides financial assistance for legal advice, representation, court costs, and contract disputes. This coverage helps landlords manage and resolve legal challenges that may arise in the course of renting out student properties, ensuring their rights and interests are protected.

Loss of rent cover

Loss of rent cover for student landlords is an optional component of student landlord insurance that compensates landlords for lost rental income if their property becomes uninhabitable due to an insured event like fire or flood. It provides financial protection during the necessary repair or restoration period, ensuring landlords can continue to receive rental income despite the property's temporary unavailability.

Student landlord insurance FAQs

Do I need student landlord insurance?

As a landlord renting out properties to students, having student landlord insurance is highly recommended. While it may not be a legal requirement, it helps protect your investment and mitigate potential risks. Student tenants can present unique challenges and potential liabilities, and standard residential insurance may not provide adequate coverage for these specific scenarios. Student landlord insurance provides tailored protection for your property, contents, and potential liability claims, offering financial security and peace of mind in case of unforeseen events, damages, or legal issues that may arise.

What covers do student landlords need?

At Premierline, we can arrange flexible student landlord insurance policies that can be as simple or complex as you need depending on your properties. When deciding what insurance you need to protect your business, you should consider the following:

Property owners liability - protects landlords against legal liabilities for accidents or injuries that occur on their rental property.
Employers' liability - protects employers against legal liabilities for injuries or illnesses sustained by their employees while carrying out their work duties.
Buildings cover – to cover for loss or damage to the buildings you let.
Contents and stock – to reinstate your items and belongings within your property.
Business legal expenses – to cover the cost of legal expenses or defend your business against legal action.
Loss of rent - compensates landlords for the rental income they would have earned if their property becomes temporarily uninhabitable due to an insured event.

More information

How much does student landlord insurance cost?

The cost of student landlord insurance can vary depending on several factors, including the location of the property, its value, the type of coverage selected, the level of coverage needed, and the insurer you choose. Insurance providers typically assess the risk associated with the property and the likelihood of claims when determining the premium.

To get an accurate cost estimate for your specific situation, get a quote online with Premierline or contact one of our insurance experts. They will consider your property details and requirements to provide you with a personalised quote based on the coverage options you need. By comparing quotes from different insurers, you can find a policy that suits your budget and offers the necessary level of protection.

Why choose Premierline to arrange student landlord insurance?

Choosing Premierline to arrange your student landlord insurance means partnering with an insurance broker that understands the significance of your student property as a long-term investment. We recognise that each landlord has unique business requirements, and that's why our broking service is personalised to meet your specific needs.

With our student landlord insurance, we can offer comprehensive coverage for various property types, from city flats to out-of-town houses. The policies we arrange usually include building and contents insurance, property owner's liability, and commercial legal expenses. Additionally, we provide optional covers, such as loss of rent due to insured events like fire, flood, or storm damage.

We understand that your rental property may serve as a primary or secondary source of income, and protecting your investment is crucial to maintaining your earnings. You value your time, especially if you juggle a career alongside property letting so our student landlord insurance not only saves you time and money but also ensures the protection you require. Choose Premierline for hassle-free, cost-effective coverage that safeguards your investment.

What type of student landlords do Premierline work with?

As a business insurance broker, we can source insurance for a range of different property owners and student landlords, including:

Blocks of flats, commercial properties and units, residential lettings such as buy to let and student accommodation such as houses in multiple occupation.

What will I need to know to complete my insurance quotation?

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

How soon will I get my policy documents?

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

How do I pay for my policy?

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.

Why choose Premierline?

We're Landlord Insurance Experts

We understand the nature of owning residential or commercial property leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your landlord insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

Award winning service - We're trusted by thousands of property owners across the UK
Comprehensive protection - We can help with all your commercial insurance needs
UK based experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

"Our block of flats insurance policy from another broker had increased too much and they couldn’t get a better price. I found Premierline through an internet search and Dan was there to help straight away. After a few days he had sourced a considerably more competitive and acceptable product with much better terms. I really felt Premierline wanted our business."

Block of Flats Property Owner

Customer since January 2024

Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.

Don't just take our word for it, read more of our customer testimonials and reviews.

Read our reviews