Best Landlord Insurance UK: 8 Providers Compared

How we built this table

We visited each provider's own landlord insurance page live on 12 September 2026 and recorded exactly what was on it: the advertised starting price and its small-print qualifier, the cover types named, whether rent guarantee was offered, and any Defaqto or review-platform score shown. We did not request individual quotes, and we did not score or rank the providers against each other — a “best” landlord insurer depends on your property, your tenants and what you value (price, breadth of cover, or a specific claims-handling reputation), not a single number. Where a fact wasn't on the page, the table says so rather than guessing or copying it from a third-party comparison site.

¹ 10% of customers, basic buildings + £2m liability only. ² 15% of customers, Jan–Oct 2025. ³ 10% of new customers, Jul–Dec 2025. &sup4; 10% of customers, Apr–Jun 2026. Every “from” price is the cheapest published band, not a typical premium — see our cost page for the £284.75 median.

What stood out

• No Defaqto rating on any of the eight. Several UK home insurance products carry a Defaqto star rating, but none of the eight landlord-specific pages we checked displayed one — if a Defaqto rating matters to you, ask the insurer or a broker directly rather than assuming one from a comparison site is current.
• Two different review platforms, not one. Total Landlord and HomeLet lead with a Trustpilot score (both 4.8/5); Simply Business and Alan Boswell lead with Feefo instead (4.6/5 and 4.8/5); CIA Landlords and Just Landlords reference “Excellent” on Trustpilot without showing the numeric score on the page itself; Direct Line for Business and AXA didn't show a numeric score at all on the pages we checked.
• Rent guarantee availability varies in how it's sold, not just whether it exists — some bundle a tenant-default cover into the core policy description, others sell it as a clearly separate optional product with its own price.
• Multi-property and portfolio cover is named explicitly by Alan Boswell and AXA (AXA states cover for up to 10 properties on one policy); the other providers may offer it without naming it on the specific page we checked.

What to check yourself before choosing

Beyond this table: the buildings sum insured against actual local rebuild cost (not the property's market value), the excess on each type of claim, whether malicious tenant damage and theft by a tenant are included as standard or bolted on, any unoccupied-property time limit, and whether the policy is written for a single let, an HMO, or a multi-property portfolio — our landlord insurance guide explains each of those in full. Get quotes from at least two or three of the providers above (or a broker who compares more) with the same rebuild-cost figure and the same optional extras selected, so the prices are actually comparable.

Affiliate disclosure

Where we have a working affiliate relationship with a provider named on this page, we mark it clearly and may earn a commission if you buy through our link, at no extra cost to you. It plays no part in which providers are listed above or how their facts are described — all eight are reported the same way, from the same kind of source, whether or not we have a commercial relationship with them.

Simply Business · Alan Boswell · Direct Line for Business · Total Landlord Insurance · CIA Landlords · Just Landlords · HomeLet · AXA, each read live 12 September 2026. Facts are exactly what each provider's own page showed that day and can change without notice — check the live page before relying on a specific figure.