Best Landlord Insurance (2026): 10 Providers in 3 Countries

Plenty of landlords buy their first policy the same way they bought home insurance, and that's where the mix-ups start. A rental comes with tenants, rent coming in and a liability you don't carry in your own home, so the questions you put to a seller change too.

The ten sellers below are listed alphabetically and in no particular order: six in the UK, two in Australia and two in the US. Every description comes from each firm's own website, read as of Nov 2026. Cover, exclusions and eligibility always come from the policy itself and from each firm, never from a list like this one.

Landlord insurance sellers at a glance

Tool	Type	Good for
Alan Boswell Group	UK landlord insurance broker	Instant online quotes or a call with UK specialists
AXA UK	Insurer selling direct in the UK	Buildings cover and property owners' liability included
CHU	Australian underwriter	Strata units and freestanding rental homes
Direct Line for Business	UK insurer selling direct	Several rental properties on one policy
HomeLet	UK lettings specialist	Online landlord quotes from a lettings specialist
Obie	US landlord insurer	Insurance for landlords and real estate investors
Steadily	US landlord insurer	Property damage, liability and loss of rent
Swinton	UK broker with a panel of insurers	Flexible policies matched to the property type
Terri Scheer	Australian landlord insurance specialist	Tenant-related risks, plus holiday rental cover
Total Landlord Insurance	UK landlord insurance specialist	Buildings, contents and liability quotes

Ten landlord insurance sellers across three countries

Alan Boswell Group

Best for: Landlords in the UK who'd like an instant online quote, or would rather talk their let property through with a UK-based specialist team.

AXA UK

Best for: UK landlords after a direct insurer whose page lists buildings cover, property owners' liability and tenant rehousing as included, with several properties on one policy.

CHU

Best for: Australian owners of strata units, apartments, townhouses, villas or freestanding homes who want landlord cover from an underwriter against loss or damage to the property.

Direct Line for Business

Best for: Portfolio landlords in the UK who want multiple rental properties on one policy, from an insurer whose page title says it isn't on comparison sites.

HomeLet

Best for: Landlords who want a landlord insurance quote online from a UK lettings specialist, with the property treated as an investment to protect.

Obie

Best for: US real estate investors and landlords wanting insurance built for rental properties, which the page says is designed to protect income and reduce risk.

Steadily

Best for: Rental property owners in the US who want an online quote for cover the page lists as property damage, liability and loss of rent.

Swinton

Best for: UK landlords who want a broker to find a policy from its panel of insurers that adapts to their circumstances and the type of property.

Terri Scheer

Best for: Australian landlords who want a specialist covering selected tenant-related risks, such as loss of rent and tenant damage, with holiday rental cover offered too.

Total Landlord Insurance

Best for: Anyone letting property in the UK who wants a quick quote on buildings, contents and liability cover from a landlord insurance specialist.

Insurer, broker or specialist: how each one sells landlord cover

The firms' own pages show three different ways of selling landlord insurance. In the UK, two are insurers selling direct. AXA UK's page describes landlord insurance with buildings cover and property owners' liability as standard, and Direct Line's page says you can insure multiple rental properties on one policy. Its page title also says it isn't on comparison sites, so you'd only find it by going to it.

Then come the brokers, panel sellers and specialists. Alan Boswell Group offers instant online quotes and UK-based specialists, Swinton's page says its policies come from a panel of insurers, and Total Landlord Insurance quotes for buildings, contents and liability cover. HomeLet is a lettings specialist with its own landlord insurance quote page.

Outside the UK, CHU's page describes landlord cover from an underwriter for strata properties, such as units, apartments, townhouses and villas, and for freestanding homes. Terri Scheer calls itself a landlord insurance specialist in Australia, covering selected tenant-related risks, with holiday rental cover as well. In the US, Obie and Steadily both sell landlord insurance to rental property owners and real estate investors. So the first filter isn't the brand. It's your country, then your property type.

Why a home policy and a landlord policy aren't the same thing

A home policy is written for the people who live in the house. Landlord insurance is written for a property someone else lives in, so the sellers' pages talk about different things: property owners' liability, loss of rent, tenant damage and rehousing tenants after a loss. Whether any of those are included, optional or excluded depends on the policy wording, which is why two policies with the same name can hold very different cover.

It's also why the type of let matters so much. A long tenancy, a room let, a holiday let and a unit in a strata block can each need a different product, and a seller that's right for one may not offer the other.

Questions to put to any landlord insurance seller

• Your property type. A shared house, a flat in a block, a strata unit, a holiday let and a single family rental can each sit on a different policy. Check the seller lists yours.
• Buildings, contents or both. Check which the policy includes, and whether furnishings you supply to tenants count as contents.
• The building's own insurance. If the property is a flat in a block, find out what the building's policy already includes before you compare anything.
• Liability. Property owners' liability is about injury or damage to other people linked to your property. See whether it's standard or an add-on.
• Loss of rent and tenant risks. Some policies include loss of rent or tenant damage and others sell them separately. Read the conditions attached to each.
• Empty periods. Check the rules for a property left empty between tenancies, so a gap between tenants doesn't catch you out.
• More than one property. If you own several, ask whether they can sit on one policy with one renewal date.

Getting landlord insurance quotes, step by step

1. Write down each property's address, type, construction, number of bedrooms and who lives there.
2. List the cover you're asking about: buildings, contents, liability, loss of rent or tenant damage.
3. Pick sellers that serve your country and property type, and ask at least one insurer and one broker.
4. Compare the policy wording and the exclusions, not just the headline cover.
5. Ask how claims are handled and who you'll speak to when something goes wrong.
6. Check the renewal terms and set a reminder well before the date.

Insurance is one part of running a rental. For the day-to-day side, my list of landlord apps covers rent and tenant management, and my roundup of accounting software for landlords handles the books. If you run a letting business with staff or premises, my guide to UK business insurance providers covers the wider business side.

Do you make a landlord insurance product? Tool makers can ask to be considered for a featured place on this list.

My plain advice on choosing who to insure a rental with

Start with where the property is and what kind of let you run, because half the sellers on any list won't offer a policy for it. If you'd like someone to search several insurers for you, a broker or panel seller does that job. If you'd rather deal with one insurer and keep everything in one account, a direct insurer is simpler. Portfolio landlords should ask early about putting several properties on one policy. And whoever you go with, read the policy wording before you sign, because terms, availability and eligibility come from each firm, not from a list.

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Frequently asked questions

What is landlord insurance?

It's insurance for a property you let to tenants. Depending on the policy, it can include buildings cover, contents you supply, property owners' liability and protection against tenant-related risks such as loss of rent.

Is landlord insurance different from home insurance?

Yes. Home insurance is written for a property you live in. Landlord insurance is written for let property, so it deals with tenants, rent and an owner's liability. Talk to your insurer before letting a home on a standard policy.

Does landlord insurance cover loss of rent?

Some policies include it and others offer it as an option. The policy wording sets out when it applies, so check it with the seller before you buy.

Should I use a broker or go direct to an insurer?

Both routes work. A broker or panel seller searches several insurers for you, while a direct insurer sells its own policy. Some direct insurers say they aren't on comparison sites, so you'd only see them by going to them.

Can I insure several rental properties on one policy?

Several sellers say they offer cover for more than one property on a single policy. The limits and terms differ by firm, so ask each one.

Does landlord insurance cover holiday lets?

Some sellers offer holiday rental cover alongside standard landlord insurance, and others don't. Tell the seller exactly how the property is let, because that decides which policy applies.