Landlord Insurance for Property Owners
Being a landlord isn’t always straightforward. From unexpected repairs to tenant mishaps, your property faces risks that standard home insurance simply won’t cover. That’s why we offer tailored landlord insurance that fits the way you rent, whether it’s a single buy to let or a growing portfolio.
At Chubb Thomas, we arrange rental property insurance for landlords across Dorset, from Bournemouth and Poole to Dorchester, Weymouth and beyond. Whether you’re letting a commercial unit, a house, or a block of flats, we’ll help you find the right cover to suit your property, tenants and letting style.
As an independent broker, we offer real advice and flexible cover, not tick-box policies and call centre scripts.
What Does Rental Property Insurance Include?
Every landlord’s needs are different. That’s why we arrange buy to let insurance and rental property cover built around your property and tenancy type, whether you’re letting to a business, professionals, students or holidaymakers.
Your policy can include:
- Buildings cover
- Property owner’s liability
- Loss of rent and/or alternative accommodation
- Landlord contents (for furnished properties)
- Accidental and malicious damage by tenants
- Legal expenses
- Terrorism
- Directors and Officers – Separately
Whether you’re renting out an industrial unit, domestic home or a block of flats link to block of flats, we’ll help you get the cover that fits.
Who Needs Landlord Insurance?
We arrange landlord insurance for a wide range of property owners, including:
- Private landlords
- Buy to let investors
- HMO landlords
- Holiday and Airbnb hosts
- Freeholders and block managers
- Commercial property owners
Whether it’s one property or twenty, an industrial unit or industrial estate, we’ll get to know your property and recommend a policy that works for you and the way you rent.
Why Choose Chubb Thomas?
- Truly independent insurance broker based in Bournemouth, with no corporate ties
- Insurance quotes tailored to your needs, across Dorset and surrounding areas
- Speak directly to your dedicated contact—no call centres, no waiting
- Work with your key person from start to finish
- Insurance quotes tailored to your needs, across Dorset and surrounding areas
- Fair fees and transparent advice every step of the way
- Independent and unbiased—we’re not tied to any insurer, so you always come first
- A reputation for excellence, delivering insurance services locally since the early 1980s.
FAQs
What is landlord insurance?
It’s insurance designed for rented properties, with cover for buildings, liability, rental income and more. Standard home insurance usually doesn’t include these things.
Do I need buy to let insurance if I’m renting one flat?
Potentially. If you are the freeholder of the block or leaseholder of a flat, you will need to inform the building insurance accordingly. You can obtain landlords contents insurance in isolation for your flat only and will also provide liability cover
Can you insure multiple rental properties under one policy?
We can. Portfolio policies make things simpler and often better value – ideal if you own several buy to lets or HMOs.
Is contents cover included?
It can be. If your property is furnished, rental property insurance can include landlord contents cover for fixtures, fittings, furniture and white goods. We can also cover this in isolation if you are not responsible for insuring the building.
What happens if the property is unoccupied?
Most policies allow for short gaps between tenants, however we will need to be notified immediately of any changes to the policy. If your property’s remains vacant for longer, we’ll arrange suitable cover for that too.
Can you cover holiday lets and short-term rentals?
Yes. We arrange specialist landlord insurance for holiday cottages, short-term lets and Airbnb-style properties.
Do I need employers’ liability insurance?
You must get employers’ liability (EL) insurance as soon as you become an employer – your policy must cover you for at least £5 million and come from an authorised insurer.
The definition of an employee is someone who has a contract with you. In the contract, their role, responsibilities and pay are clearly defined. The contract usually states the work hours, obligations, holiday allowance and other employee benefits. In other words, an employee works under your control and direction, and you are contractually obliged to provide them with regular work and pay them a salary. You still need employers ‘ liability insurance, even if your staff are part-time or temporary. If you are unsure, please contact our office and we can discuss in further detail.
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Other Insurance Options
Commercial Insurance
Business Insurance and Combined Business Cover
Construction Insurance
Tradesman and Professionals Insurance
Shops, Offices and Surgeries Insurance
Leisure and Hospitality Insurance
Professional Indemnity Insurance
Motor Fleet Insurance
Motor Trade Insurance
Cyber Insurance
Directors and Officers Insurance
Engineering and Plant Insurance
Commercial Motor and Van Insurance
Marine / Cargo Insurance
High Net Worth Insurance
Trusted Dorset Insurance Broker
We’re a truly independent Dorset broker offering real advice, not scripts. offering tailored insurance quotes across Bournemouth, Poole, Weymouth, Dorchester and beyond. Whether you need personal, property or business cover, we deliver clear advice and a personal service every step of the way.
Contact Us
Let’s make your insurance work harder for your business. Drop us a message, give us a ring, or pop into our Bournemouth office—we’re always happy to chat.
Phone: 01202 778 000
Email: email@chubbthomas.co.uk