Property Owners Insurance | Expert Cover for Landlords and Commercial Property

From a single buy-to-let to a multi-property portfolio, Artemis Insurance Brokers arranges specialist property owners insurance built around the real risks of letting property in the UK escape of water, tenant injury claims, loss of rent, malicious damage, and under-insurance at rebuild value.

FCA Authorised

BIBA Member

30+ Years industry experience

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30+

Year Protecting UK businesses

20+

Specialist sectors covered

95%

Client retention rate

50+

Insurer and Lloyd's partners

1000+

Businesses and professionals insured

Who This Cover Is For

Letting property isn't one business, it's many. A landlord with a single buy-to-let flat faces different risks from a landlord managing a multi-room HMO, a freeholder responsible for a block of flats, or an investor running a mixed portfolio across multiple cities. We arrange specialist property owners insurance for every type of UK landlord, with policies shaped around the property you own, the tenants you let to, and the way your income actually depends on it.

Property Insurance

What Is Property Owners Insurance?

Property owners insurance is a specialist type of business insurance designed to protect UK landlords, freeholders and property investors including buy-to-let landlords, HMO operators, block owners and portfolio investors against the risks of letting property to tenants. Most policies can combine buildings cover, property owners' liability, loss of rent, landlord's contents, legal expenses and unoccupied property protection into a single package shaped around how your property or portfolio actually operates. Landlord insurance in the UK exists because the moment a property is let, a standard home insurance policy generally stops responding; most residential policies exclude tenanted properties altogether, leaving landlords exposed at exactly the point their income depends on the building.

Need Specialist Property Owners Insurance Without the Hassle?

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020 8619 5000

Tell us about your property or portfolio. We'll compare wide UK insurers and come back with proper cover options. No generic estimates, no pressure.

Free quote

No Obligation

24–48 hour acknowledgement

Solicitor PI

How It Works Property Owners Insurance in 4 Simple Steps

Sorting out landlord insurance shouldn't take days of phone calls, confusing forms, or pressure to buy a policy that doesn't fit. At Artemis, we've built a simple, transparent process that helps UK property owners get the right cover in place quickly, honestly, and with a real broker on your side from the very first call.

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020 8619 5000

01 Tell Us About Your Property

Start with a quick call or online enquiry. We'll ask about your property or portfolio single let, HMO, block of flats, commercial or mixed-use along with the rebuild value, tenancy type, any void periods, and your claims history. Larger portfolios include a short schedule so we can capture the details insurers need for an accurate initial indication. No jargon, no pressure, just a straightforward conversation with a broker who understands UK property.

Takes around 10 minutes

03 Review Your Cover Options

We'll walk you through the best options in plain English: no jargon, no hidden exclusions, no pushy upsells. You'll see exactly what's covered, what's not, and why each insurer matters for property owners. Choose the policy that fits your property, your tenants, and your budget with proper guidance from a real broker.

Quote reviewed at your pace

02 Wide Market Search

Because we're an independent insurance broker with access to wide UK insurers and Lloyd's market specialists, we compare cover options across the wide UK landlord insurance market not just one insurer or a small panel. You get access to specialist landlord schemes, broker-only facilities, and proper cover for HMOs, blocks and non-standard construction that direct sites can't offer.

Done within 24/48 hours

04 Ongoing Support and Claims Help

Once your cover is in place, we stay on your side. Need to add a property mid-term, update cover after a refurbishment, or adjust for a change of tenancy? Need help with an escape of water claim, a liability dispute, or an unoccupied period? Need a free renewal review? That's what a real landlord insurance broker does and it's all included in your service at no extra cost.

Real support, whenever you need it

Get a Real Solicitor PI Insurance Quote

Skip the generic estimates. Tell us about your firm practice areas, fee income, claims history and we'll compare qualifying UK insurers and come back with proper SRA-compliant cover options.

Get My Free PI Quote

020 8619 5000

Free quote, no obligation nothing to sign, nothing to pay

Quotes within Week proper qualifying market search

SRA Minimum Terms specialists including run-off cover advice

Real broker, not a call centre based in Purley, Surrey

Why Choose Artemis

When buying property owners insurance in the UK, you've got three main options: go directly to an insurer, use a comparison site, or work with an independent broker. On price they can look similar, but what you actually get and what happens when an escape of water claim, a liability dispute, or an under-insurance problem lands couldn't be more different.

Property Owners Insurance FAQs

A UK landlord typically needs buildings insurance (a condition of nearly every buy-to-let mortgage), property owners' liability, loss of rent cover, landlord's contents for anything you provide, and often legal expenses and rent guarantee cover. HMO landlords, freeholders of blocks, and owners of unoccupied properties need specialist versions of these covers, and anyone employing staff directly needs employers' liability by law. Most landlords combine these into a single property owners insurance policy easier to manage and usually cheaper than buying covers separately.

The cost of landlord insurance in the UK varies based on property type, rebuild value, location, tenancy type, occupancy, void periods, claims history and cover limits. A modern one-bedroom flat let to professionals costs very differently from a licensed HMO, a converted Victorian block, or a fifteen-property portfolio. Rather than rely on generic estimates, the most accurate way to find out what your property will pay is a free quote from a specialist broker, typically returned within 48 Hours.

No landlord insurance itself is not required by law. In practice, though, most buy-to-let mortgage lenders make buildings insurance a condition of the loan, freeholders usually have an obligation under the leases to insure the block, and employers' liability becomes a legal requirement the moment you employ anyone directly, such as a caretaker or cleaner. Without cover, repair costs and liability claims fall on you personally which is why the overwhelming majority of UK landlords treat it as essential rather than optional.

Property owners' liability is the part of a landlord policy that covers legal costs and compensation if someone a tenant, visitor, contractor or passer-by is injured or has their property damaged because of the condition of your building. A loose handrail, an uneven path, a falling roof tile: if the cause traces back to the property, the claim comes to the owner. It's a core cover on every landlord policy we arrange, and for freeholders it extends across communal areas too.

Standard landlord policies often exclude or restrict houses in multiple occupation the risk profile of multiple unrelated sharers, higher occupancy and licensing conditions is genuinely different. We place HMO insurance through insurers who underwrite this type of property properly, reflecting occupancy levels, licensing requirements and the property's layout, so the cover actually responds when it's needed rather than falling over on a technicality.

Most policies apply restrictions once a property has been unoccupied for a set period cover for escape of water, theft and malicious damage is often reduced or removed, and conditions around inspections, heating and security kick in. If you know a void period is coming, tell your broker: unoccupied property cover keeps proper protection in place, and undisclosed vacancy is one of the most common reasons landlord claims are declined.

As freeholder, you're generally responsible under the leases for insuring the structure and communal areas of the block staircases, roofs, lifts, gardens and car parks even though individual leaseholders insure their own contents. That means block buildings insurance at full rebuild value, property owners' liability for the communal areas, and often employers' liability if you employ a caretaker or cleaner. Residents' management companies carry the same responsibilities. We arrange block policies that reflect unit count, construction type and any commercial units within the building.

For most UK landlords, Artemis can arrange landlord insurance cover typically within 48 Hours of receiving your property details, and straightforward single lets are often faster. Complex portfolios, blocks with non-standard construction, unoccupied properties and owners with previous claims may take slightly longer while we search the wide market for the best terms. Cover start dates are always confirmed in writing before payment.

Yes many UK portfolio landlords combine multiple properties residential, commercial and mixed-use under a single combined property owners insurance policy. This usually saves money, gives one renewal date instead of many, keeps cover consistent across the portfolio, and avoids the gaps that appear when properties are insured piecemeal over the years. The right structure depends on property types, ownership entities and lender requirements; a specialist broker like Artemis reviews all of this before recommending a structure.Still got questions? That's what we're here for. Speak to an Artemis broker for honest, independent advice on any aspect of UK property owners insurance: no pressure, no jargon, no obligation.

Still got questions? That's what we're here for. Speak to an Artemis broker for honest, independent advice on any aspect of UK property owners insurance: no pressure, no jargon, no obligation.

Let's Protect Your Property Investment Properly

Get a free, honest property owners insurance quote from the Artemis team. We'll compare the wide UK market, build cover that fits your property or portfolio, and make sure you're not paying for what you don't need.

Get Our Free Quote

020 8619 5000

Mon–Fri, 9am–5pm

Free Quote

No Obligation

Honest advice

Property Owners Insurance | Expert Cover for Landlords and Commercial Property

Who This Cover Is For

What Is Property Owners Insurance?

Need Specialist Property Owners Insurance Without the Hassle?

How It Works Property Owners Insurance in 4 Simple Steps

01

Tell Us About Your Property

03

Review Your Cover Options

02

Wide Market Search

04

Ongoing Support and Claims Help

Get a Real Solicitor PI Insurance Quote

Why Choose Artemis

Property Owners Insurance FAQs

What insurance does a landlord need in the UK?

How much does landlord insurance cost in the UK?

Is landlord insurance a legal requirement in the UK?

What is property owners' liability insurance?

Does property owners insurance cover HMOs?

What happens if my property is empty between tenancies?

I own the freehold of a block of flats what insurance do I need?

How quickly can I get property owners insurance cover?

Can I insure my whole property portfolio under one policy?

Let's Protect Your Property Investment Properly