Insurance Needs Finder

Standard landlord BTL insurance isn't enough for HMOs, holiday lets, or mixed-use properties. Using the wrong wording can void a claim entirely.

Walk through six questions about property type, tenant type, licensing, rent level, and location. Output: a list of the insurance product types you need (buildings, contents, liability, loss of rent, rent guarantee, legal expenses, home emergency), recommended sum-insured ranges, and specific wording pitfalls to check for on your quote.

Not a comparison tool — a requirements tool. Once you know what you need, go to a broker or direct insurer to compare quotes.