Landlord Insurance | BBi Ireland
BBi Ireland can arrange independent or Landlord Insurance to protect your business, vehicles, people and more. Get in touch to discuss your requirements today.
What is Landlord Insurance?
Landlord insurance is a specialised type of insurance designed to protect property owners who rent out their residential or commercial spaces.
Unlike standard home insurance, landlord insurance provides coverage for risks specific to rental properties, such as accidental or malicious damage caused by tenants, loss of rental income due to unforeseen events, and legal liability in case of injuries sustained on the property.
This tailored protection ensures landlords can safeguard their investment and handle unexpected situations with confidence, giving them peace of mind while managing their rental properties.
We understand landlords have specific requirements and the solutions we arrange can protect both the buildings and the internal contents.
What can Landlord Insurance cover, including buildings insurance
Landlord insurance can offer a package of protection for a rental property or investment property, letting you cover multiple areas of risk under one insurance policy, subject to your terms, and a landlord insurance policy can be arranged for one property or a wider portfolio. Some common elements to look for include buildings insurance, contents insurance, liability cover, and loss of rent.
Buildings insurance protects the structure, including walls and permanent fixtures, against risk such as fire, flood, subsidence, vandalism, and other insured peril or insured event, with cover that can also respond to escape of water and fire brigade charges where stated; if damage leaves the property uninhabitable, loss of rent may apply. Landlord liability cover is broader than standard home cover and can protect against financial losses if someone is injured on the property.
Landlord insurance is not legally required in Ireland, but most mortgage lenders require it for buy-to-let borrowing because the property must usually be insured. The cost of cover depends on the details of the property, and it is worth noting that landlords should secure protection for natural catastrophes and check whether higher-risk locations affect terms.
Contents insurance can protect landlord-owned furniture and appliances against theft or damage, but it does not cover a tenant’s personal belongings; check the policy document for features, exclusions, claim conditions, excess, sums insured, and contents sums insured, and note that reviewing these details is paramount before you get a quote.
Why Choose BBi as a Broker Partner
Our Heritage
Dedicated Account Manager
We have specific service level agreements with insurer partners, ensuring our clients get a great service.
In-house Claims Team
BBi Ireland has an experienced team of professionals looking after your needs when you need us the most.
35+ years’ experience
With up-to-date knowledge of the latest legislation and health and safety issues faced by companies across Ireland.
Flexible Cover
Our cover and payment methods are flexible so you can choose the option that suits your business needs.
One Stop Shop
We can arrange cover for a wide range of business and personal insurance requirements.
What Can Landlord Insurance Cover?
Landlord insurance is a specialised type of insurance designed to protect property owners who rent out their residential or commercial spaces.
Unlike standard home insurance, landlord insurance provides coverage for risks specific to rental properties, such as accidental or malicious damage caused by tenants, loss of rental income due to unforeseen events, and legal liability in case of injuries sustained on the property.
This tailored protection ensures landlords can safeguard their investment and handle unexpected situations with confidence, giving them peace of mind while managing their rental properties.
We understand landlords have specific requirements and the solutions we arrange can protect both the buildings and the internal contents.
Some common elements that you should look to include in your policy are:
We Can Also Arrange Sector-Specific Covers Including...
Landlord insurance provides tailored protection across diverse property sectors, including Residential, Commercial, Mixed-Use, and Multi-Property Portfolios. A single policy can consolidate multiple risk areas into one manageable package, customised to the precise operational demands of each sector.
Buildings Insurance forms the cornerstone of sector cover. It protects physical structures, including walls, roofs, and permanent fixtures, against risks such as fire, flood, subsidence, and vandalism. Depending on the sector and policy terms, cover can extend to emergency water escapes and fire brigade charges. If insured damage leaves the property uninhabitable, loss of rent protection steps in to safeguard your rental income.
Sector-Specific Public Liability offers essential protection tailored to your property type, safeguarding you against financial claims if a tenant, customer, contractor, or visitor is injured on your premises.
While landlord insurance is not legally mandatory in Ireland, most mortgage lenders require it before approving buy-to-let or commercial property financing. Premium costs depend on property details and specific sector risks. Landlords across all sectors should ensure protection against natural catastrophes and verify whether higher-risk locations affect policy terms.
Contents Insurance covers landlord-owned furnishings, equipment, and appliances against theft or damage (tenant belongings require separate cover). Always review policy features, exclusions, excesses, and sums insured before requesting a quote.
Get protected today
Discuss your landlord insurance needs with our specialist team. Email us, give us a call or visit our Cavan office for an expert consultation.
Frequently Asked Questions
It’s important to get the right Landlord Insurance for your business. To help you do that, here are our frequently asked questions about Landlord Insurance. If you’d like some independent advice, please call us on +353 49 433 1038, and the team will be happy to help.
We can arrange cover that spans the complete needs of landlords, including property damage, tenant risks, and rental income.
While standard coverage can help protect against some risks, these policies rarely address the risks native to the landlord sector adequately.
Contact our team to discuss your property portfolio requirements.
We’ll clearly explain policy limitations during the consultation phase
We can arrange cover for a wide range of tenant types, including:
- Private rental clients
- Commercial tenants
- Asylum seekers
- DSS and housing benefit claimants
- Housing association tenants
- Local authority tenants
- Multi-tenure occupiers
- Owner-occupiers
- Students
Landlord Insurance is essential for anyone who rents out their property. It covers the building, rental income, tenant-related risks, and potential liabilities associated with renting a property.
However, home Insurance is intended for homeowners living in the property and focuses on covering personal belongings and the building itself from typical home risks, without considering the unique challenges of renting out a property.
If you’re renting out a property, landlord insurance is a necessity to ensure you’re adequately covered against the unique risks that home insurance doesn’t address.
