Property insurance
Property Investors Insurance
cover for the buildings, the rent and your liability, across a single investment or a mixed holding
Cover for property held as an investment, protecting both the building and the rent it earns. Matching the policy to every tenant type and use matters as much as the cover itself.
- Residential, commercial and mixed holdings
- Buildings and loss of rent
- Company and pension ownership
- FCA authorised and regulated
Quick answerProperty investors insurance covers property held to earn rent or grow in value, from a single buy-to-let to a mix of homes, HMOs, commercial units and holiday lets. It protects the buildings for their rebuild figure, the rental income through loss of rent cover, and your liability as owner. It can name a limited company or pension scheme as the owner. Tell MyMoneyComparison.com about the properties once, and specialist UK brokers can come back with quotes.
This page is about property held as an investment. A single let home is on our buy-to-let landlord insurance page, and a building project on property developers insurance.
At a glance
Investor Cover, in Brief
Six things that decide how property investors insurance behaves, before any of the detail.
- The building
- Insured for its rebuild figure, not its market value
- Loss of rent
- Can pay lost rent if an insured event stops the income
- Property owners’ liability
- Claims from tenants, visitors and the public
- A mixed holding
- Residential, commercial, HMOs and holiday lets
- Void periods
- Cover while a property stands empty, within the permitted period
- Who owns it
- An individual, a limited company or a pension scheme
The basics
What Is Property Investors Insurance?
Cover for property held to earn rent or grow in value. It protects the building, the rental income and the owner’s liability, across a mix of property, once each one is correctly declared.
Buildings
The structure and fixtures, for the rebuild figure.
Loss of rent
Rent lost while a property cannot be let after an insured event.
Property owners’ liability
Injury or damage to tenants and others caused by the property.
Landlord contents
Furnishings and appliances you supply, where included.
Legal expenses
Tenant disputes and rent recovery, as an optional extra.
Employers’ liability
Where you employ staff such as cleaners or caretakers.
How it works
How Does Property Investors Insurance Work?
You describe each property, its tenants and its value, the insurer rates the holding, and one policy or schedule can cover several properties.
You list the properties
Type, construction, address and use for each one, residential or commercial.
You describe the tenants
Professionals, students, families, businesses or holiday guests, and any empty periods.
You set the sums insured
A rebuild figure for each building, and the rent to protect. The method is in our guide to calculating a rebuild value.
You name the right owner
The individual, joint owners, limited company or pension scheme that holds the property.
What it covers
What Does Property Investors Insurance Cover?
The buildings, the rent and the owner’s liability, with contents, legal expenses and rent guarantee available on many policies.
| Section | Where it sits | What to know |
|---|---|---|
| Buildings | Core | For each property’s rebuild figure |
| Loss of rent | Core or optional | Check the indemnity period |
| Property owners’ liability | Core | The limit is set on your schedule |
| Landlord contents | Optional | For furnished lets |
| Legal expenses and rent guarantee | Optional | Can depend on tenant referencing |
| Unoccupied property | With conditions | Check the permitted empty period |
| Employers’ liability | Where you employ staff | Cleaners, caretakers or managers |
Rebuild figure, not market value. The buildings figure is the cost of rebuilding, which can be higher or lower than what the property would sell for.
Exclusions
What Property Investors Insurance Does Not Include
Cover can exclude wear and tear, gradual damage, losses where the tenants or use were not declared, and empty periods beyond what the policy allows.
Wear, tear and gradual damage
Damp, rot and maintenance issues.
Undeclared tenant types
Students, benefits tenants or an HMO the insurer was not told about.
Long empty periods
Beyond the unoccupancy period, without extra cover.
Rent arrears
Unpaid rent, unless rent guarantee cover was added.
Malicious damage by tenants
Excluded or limited on some policies.
Undeclared building work
Major works need declaring or separate cover.
Types of property
Which Investment Properties Can Be Covered?
A wide range of residential and commercial property, from a single flat to a mixed portfolio. The type, use and tenants shape the terms.
Buy-to-let homes
Houses and flats let to tenants.
HMOs and student lets
Shared houses let by the room. See our HMO insurance page.
Blocks of flats
Whole blocks or several units.
Commercial units
Shops, offices and industrial units.
Mixed-use buildings
Shops or offices with flats above.
Holiday lets
Short-term lets to guests.
Business below, homes above? See our mixed-use property insurance page.
Who it is for
Who Needs Property Investors Insurance
Anyone holding property to earn rent or grow in value, from a first investment to a mixed portfolio.
First-time investors
A first buy-to-let or commercial unit.
Growing portfolios
Several properties, added over time.
Limited companies
Property held in a company or special purpose vehicle.
Pension schemes
Commercial property held in a self-invested pension.
Joint owners
Partners, families or friends investing together.
Mixed investors
Residential and commercial property together.
Several properties? See our property portfolio insurance page.
Investor or landlord
Investor Cover vs a Single Landlord Policy
A landlord policy suits one let home. Investor cover is designed for a holding that grows and mixes property types, often on one schedule.
| Investor cover | Single landlord policy | |
|---|---|---|
| Built for | A mixed investment holding | One let home |
| Commercial property | Can be included | Not usually |
| Several properties | One schedule | Separate policies |
| Company or pension owner | Can be named | Can vary |
One property, let to a household? See our landlord insurance page.
Cost
What Property Investors Insurance Is Priced On
The properties, their rebuild figures, the locations, the tenants and uses, the rent insured, and the claims history. We do not print average premiums.
Why the buildings lead
The rebuild figure, construction and age of each property set the base, and features such as flat roofs or listed status can change the terms.
Why the tenants matter too
The type of tenant and use, from families to students to a takeaway below, feed the rate for each property.
What the quote is rated on
The main factors
- Rebuild figuresEach buildingBase
- Tenants and useResidential or commercialRate
- LocationCrime and flood exposureRate
- Rent insuredAnd the indemnity periodRate
- HistoryPast claimsAdjust
Flood exposure
Flood history and location feed the rate.
Security
Good locks and alarms can help the terms.
Portfolio size
Several properties on one schedule can simplify renewals.
The details
The Details That Decide an Investor’s Claim
Investor claims can turn on whether the policy matches the holding. Four details come up again and again.
Declare every tenant type and use
Students, HMOs, holiday guests and commercial tenants can each change the risk. Tell the insurer when they change.
Keep rebuild figures up to date
Review them as costs change, so a claim is not reduced for under-insurance.
Manage empty periods
Know the permitted unoccupancy period, and arrange cover and inspections when a property stands empty longer.
Name the right insured
The policy needs to name whoever owns the property, whether a person, a company or a pension scheme, and any lender with an interest.
Empty for longer? See our unoccupied property insurance page.
Quote checklist
What You Will Be Asked for a Property Investors Quote
Six things shape the quote: the properties, the tenants, the rebuild figures, the rent, the owner, and the claims history.
The properties
Type, age, construction and address.
The tenants
Who lives or trades there, and any empty units.
Rebuild figures
For each building.
The rent
Annual rent and the period to protect.
The owner
Individual, company, pension scheme and any lender.
Claims history
Recent claims and any past refusals of cover.
Comparing
Checking Property Investors Quotes Side by Side
Four areas decide whether a policy suits the holding: the cover, tenants and use, the extras, and cost terms. The price is only one of them.
The cover
- Buildings for each property
- Loss of rent and its indemnity period
- Property owners’ liability
Tenants and use
- Every tenant type accepted
- Commercial uses covered
- Empty periods allowed
Extras
- Legal expenses
- Rent guarantee
- Landlord contents
Cost terms
- The excess
- Higher excesses for some events
- Paying monthly or upfront
Check the loss of rent period. It needs to be long enough to rebuild and relet. Unfamiliar terms are explained in our plain English jargon guide.
Cutting costs
How to Reduce the Cost of Property Investors Insurance
The levers are accurate rebuild figures, good security, tenant referencing, and the excess. We publish no savings figures.
Get the rebuild figures right
Too high wastes premium; too low invites a reduced claim.
Improve the security
Good locks and alarms can help the terms.
Reference tenants
It can be a condition of rent guarantee cover.
Consider one schedule
Several properties together can be simpler to manage.
Keep up maintenance
Well-kept buildings can help the terms.
Choose the excess deliberately
A higher excess is a lever, worth using only at a level you could absorb.
Glossary
Property Investors Insurance Terms Explained
The words that come up most on a property investors schedule.
- Rebuild figure
- The cost of rebuilding the property, not its sale price.
- Loss of rent
- Cover for rent lost while a property cannot be let after an insured event.
- Indemnity period
- The longest time loss of rent will be paid for.
- Void period
- Time a let property stands empty between tenants.
- HMO
- A house in multiple occupation, let to several separate households.
- Special purpose vehicle
- A company set up to hold property.
- Rent guarantee
- Cover for unpaid rent, subject to conditions.
- Interested party
- A lender or other party named on the policy.
- Property owners’ liability
- The owner’s liability for injury or damage caused by the property.
- Excess
- The part of each claim you pay yourself.
Why MyMoneyComparison.com
Why Compare Property Investors Insurance with MyMoneyComparison.com?
MyMoneyComparison.com is an FCA-authorised UK comparison service that introduces property owners to specialist brokers. We do not sell insurance and we do not give advice: the broker you choose arranges the policy. Using us is free.
One form, one property
Describe the property once, instead of repeating yourself to each broker.
Advice given
We are an introducer, not a broker. We do not sell policies and we do not recommend one insurer or product over another. Read our editorial policy.
Authorised and regulated
MyMoneyComparison.com Ltd appears on the FCA register under FRN 916241.
Incorporated
A UK company since 2013. FCA authorisation is separate and later; the register carries its date.
FAQs
Property Investors Insurance FAQs
Answers on loss of rent, ownership, tenant types and rebuild figures.
What is property investors insurance?
Cover for property held to earn rent or grow in value. It protects the buildings, the rental income and the owner’s liability, and can cover a mix of residential and commercial property on one policy.
How is it different from landlord insurance?
Landlord insurance is often built around a single let home. Investor cover is designed for a holding that grows and mixes property types, such as homes, HMOs and commercial units, often on one schedule.
Can I insure residential and commercial property together?
Yes. Many investor policies can cover homes, flats, shops, offices and mixed-use buildings on one schedule, with each property rated on its own use and tenants.
What is loss of rent cover?
Cover for the rent you lose while a property cannot be let after an insured event, such as a fire or flood. It pays for the indemnity period on your schedule, so choose one long enough to rebuild and relet.
Should buildings be insured for market value?
No. Buildings are insured for the cost of rebuilding, which can be higher or lower than the sale price. A professional assessment can help, and figures are worth reviewing as building costs change.
Can the policy be in a limited company name?
Yes. Property held in a limited company or special purpose vehicle can be insured in that company’s name. The policy needs to name whoever owns the property, and any lender.
Can a pension scheme own the insured property?
Commercial property held in a self-invested pension can be insured, with the scheme or its trustees named as the owner. Tell the insurer how the property is held when you ask for quotes.
Does it cover HMOs and student lets?
Many investor policies can, but the tenant type needs declaring, as shared houses and student lets are rated differently. An undeclared HMO could affect a claim.
What if a property is empty between tenants?
Policies allow a set empty period, which differs between insurers. For longer gaps, conditions such as inspections can apply, or separate unoccupied cover may be needed.
Is rent guarantee included?
Not usually as standard. Rent guarantee and legal expenses cover are optional extras, and they can depend on tenants being referenced before they move in.
Is property owners’ liability included?
Many policies include it as a core section, covering injury or damage to tenants, visitors and the public caused by the property. Check that the limit suits each property.
Do I need employers’ liability?
If you employ anyone, such as cleaners, caretakers or a property manager, employers’ liability is normally needed. Tell the insurer about anyone working for you on the properties.
Does tenant damage count?
Accidental damage by tenants may be covered on some policies, but malicious damage by tenants can be excluded or limited. Check the wording, especially for furnished or shared lets.
Can I add properties during the year?
Many portfolio-style policies let you add or remove properties mid-term, with the premium adjusted. Tell the insurer before a new property is let or completed.
Does the location affect the price?
Yes. Crime rates, flood history and the local area feed the rate for each property, alongside the rebuild figure, the tenants and the claims history.
How do I compare property investors quotes?
Look beyond the price to the buildings cover, loss of rent and its indemnity period, the tenant types accepted, empty property terms, liability, extras and the excess.
Ready when you are
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- Residential, commercial and mixed holdings
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About this page
This page explains UK property investors insurance: what it covers, what it leaves out, and how matching the policy to each property and tenant decides a claim. It is general information rather than advice. Policies differ between insurers, so read your own documents and put the questions raised here to your insurer or broker.
How we approached this page
- Published UK landlord and property investor policy summaries
- Loss of rent and unoccupancy conditions on let property
- Financial Ombudsman material on property insurance complaints
Legal & Regulatory Information:
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