Landlord Insurance

Build a policy to suit you with our flexible cover for landlords. Limit your risk and cover third parties in your buy-to-let property with comprehensive buildings and contents cover. Simple, easy and fuss free.

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If you would prefer, feel free to call an account manager on 01202 937430

Optional additional cover available

Optional additional cover available

Tailor a policy to suit you with optional cover for legal expenses associated with property disputes such as dilapidation, possession, eviction, nuisance and terms. Rent arrears due under the tenancy agreement and a lost key retrieval service.

Optional additional cover available

Landlord Insurance

Available for properties let to a wide range of individuals including professionals, students and DSS.

  • Available on a wide range of properties including houses, flats and apartments
  • Policy includes private lets and through an agent
  • Cover includes loss of rent for alternative accommodation for an insured loss
  • Property owners liability insurance included as standard in the buildings cover
  • Multiple properties can be covered by contacting our office
Landlord Insurance
Ready to get a quote? Underwritten by Towergate Underwriting the UK’s leading underwriter of specialist home insurance. Get a quote

Tailor a policy to suit you

Choose from varying levels of legal cover to protect your investment.

Landlord Legal

Landlords Legal Expenses provides protection for legal expenses for a wide range of circumstances.

*Disputes arising during the first 90 days of cover are excluded unless it can be evidenced that comparable cover was held elsewhere prior to taking up this policy.

  • Covers fees incurred in disputes over possession of the insured property anda alleged nuisance from the property
  • For claims above £1,000 allows up to 75% of the amount under dispute for legal expenses concerning dilapidations to the insured property and non payment of service charges
  • Covers fees incurred in the recovery of undisputed debt for rent. The amount must exceed £1,000. An attempt to recover monies has to have been made through normal credit procedures and must be reported within 45 days of due date
  • Loss of wages for the time off work to attend any court or tribunal as a witness or defendant in legal proceedings. Up to £1,000 per claim, £100 per day and not applicable where you have the ability to recover the wages from the relevant court

Landlord Legal Premium

Landlords Premier Legal Expenses provides protection for legal expenses and rent arrears for a wide range of circumstances.

*Disputes arising during the first 90 days of cover are excluded unless it can be evidenced that comparable cover was held elsewhere prior to taking up this policy.

  • Covers legal expenses incurred in disputes or legal proceedings for the possession of the property, the terms of the tenancy agreement and nuisance emanating from the property
  • Also covers legal expenses incurred in disputes or legal proceedings for damage caused by nuisance, dilapidations to the property, subject to the claim being in excess of £1,000. Legal expense limited to 75% of disputed amount
  • Up to £50,000 legal expenses incurred in evicting a tenant from the insured property. Arrears must be greater than £250
  • Payment of rent arrears where an eviction claim is being pursued under this policy. Claim up to £25,000 in total (or 12 months’ rent if less) for rentals of up to £2,500 per month
  • Repair and renovation disputes legal expenses, including contractual disputes over repair and renovation. Amount in dispute must exceed £1,000 and contract must not exceed £100,000

Key Retrieval

You are provided with a key fob that can be attached to a set of keys.

Should the keys become lost the fob has a number for the finder to call the central recovery centre.

  • Your keys are sent back to you via the recovery centre meaning your security is not compromised.
  • The product also provides up to £50,000 of legal expenses cover if you’re involved in an accident which is non motor related

We would recommend that you read the policy wording and the key facts document to fully appreciate the cover provided and any exclusions and limitations.

What do our customers say?

'A proactive, competitive company – a change from the norm!'

Very good at calling back, professional and diligent. The quote was also super competitive and we will be moving more of our insurance needs across to them in due course. It’s a rarity these days to find a company that does what it promises, and does it well. I would have no hesitation in recommending.

1 2 3 4 5
Mr Rigluth

'Competitive, and hassle free application. Hope any claims are the same.'

The conscientiousness of the agents and their speed of answering queries – and a small discount persuaded me to change insurers. The efficiency of completing paperwork was excellent. Of course there have been no claims as of yet but otherwise a positive experience on a routine matter

1 2 3 4 5
Mr Phillips

'Easy to work with, makes the process a breeze, the team understand my needs'

They are great people to work with, Lisa now deals with all my insurance needs. They make it a breeze and if you need to make an amendment, they got you covered.

1 2 3 4 5
Mr Clarke Brothers Property Ltd

'Listened and made appropriate recommendations'

Spoke with many insurance companies after filling out an online form for quotes. Most asked to fill in the same information again over the phone. This got very tedious after the first five. Highworth listened, made suggestions and offered a very competitive price. An excellent service. Form filling on acceptance.

1 2 3 4 5
Mr Finnen

'Top of the class in every way'

Quick and helpful response followed by quick and efficient service at the highest professional level. Best encounter with an insurance service that I have ever had.

1 2 3 4 5
Mr Rabinowitz

'Refreshingly uncomplicated!'

They answer the phone promptly, are friendly but professional. I didn’t feel I was talking to an automaton and the whole experience was refreshingly straightforward, uncomplicated and stress free. I would definitely recommend Highworth Insurance and will use them again in the future.

1 2 3 4 5
Miss Mctavish

'Exceptional customer service'

I have a thatched cottage and only a handful of insurers will insure contents/buildings on these cottages. I found the gentleman that I dealt with really helpful and friendly and he sorted my insurance out for me. Several other insurers had on line quote forms and never got back to me with a quote. Their loss! I am not sure of the gentleman’s name, but he is a credit to your company.

1 2 3 4 5
Mrs Sayers

'This is how it should be done!'

I called Highworth at the suggestion of my partner. I found Gemma very professional and helpful. The cover options she came back with addressed my requirement perfectly. Once I had forwarded confirmation of NCD the price reduced, great! Fantastic cover, good price, excellent service!!!

1 2 3 4 5
Mr Hewitt

'Attentive and excellent service'

Highworth were recommended by a friend as they are specialists in listed properties and older properties. My contact was excellent and thorough and took time to explain the cover and options available. Once we had determined the key details and the price everything progressed very smoothly indeed.

1 2 3 4 5
Mr Cockrell

'Highworth saved me £700 this year compared to Halifax!'

Excellent service. Helpful, pleasant staff member made the process of re-insuring my house very simple. Highworth resolved an ongoing ‘subsidence’ issue that has cost me thousands of pounds over the last decade!

1 2 3 4 5
Mr Stanton

'Great service and saved lots of money!'

Last year I bought my first house and had a real trouble trying to get house insurance because of ‘historical movement’ on the survey. This year I did a lot more research and came across Highworth insurance. I did an online form and got a call back really quickly from Clarise. Clarise was brilliant. Very professional, helpful and gave excellent customer service. She also managed to save me £150 for the year. Great company to use.

1 2 3 4 5
Mr Woods

'Responsive and helpful throughout my quest for home insurance.'

I was particularly impressed with Jo Wilson who I found extremely conscientious, pro-active, immediately responsive and very helpful. I felt totally supported in what was a tricky situation where I was securing insurance for a house in a flood risk area. I felt that she was very much on my side.

1 2 3 4 5
Mr Kettle

'The right information clearly explained'

Excellent, straightforward information which covered all my needs and requirements. It was nice to get a clear explanation as to the difference between those who advertise they can insure you for £140 or so (which they can’t) and those who actually understand clients.

1 2 3 4 5
Mr Shaw

'Quick solution to a sudden problem'

Having moved home I suddenly needed to sort out my buildings insurance as my existing insurer said my current policy could not continue as I had moved into a leasehold flat. I didn’t realise I had a problem until I notified them of my change of address. The person dealing with my enquiry settled all my problems and issued a policy to cover my needs.

1 2 3 4 5
Mr Charlwood

'Outstanding service from highly skilled professional – exceptional'

Outstanding service from an individual who was focused on finding the best policy for us. I would strongly recommend this company to others and to anyone who wants assurance that their home is well insured.

1 2 3 4 5
Mrs Scott

'Efficient, polite and knowledgeable service!'

From the first phone call to ask questions on the levels of cover available for our house renovations, through to the decision and policy purchase, the help and guidance provided by Daniel was superb. A very efficient, polite and knowledgeable service. Thank you!

1 2 3 4 5
Mr Faux
To discuss your insurance needs with an experienced account manager please call 01202 937430 or apply online to get an instant quote