Insurance Cover Checklist
What insurance cover types UK landlords and property operators need by property type.
| Cover | Single BTL | HMO | Airbnb | Holiday let | Commercial | Self-managed |
|---|---|---|---|---|---|---|
| Buildings insurance | ||||||
| Landlord contents | ||||||
| Public liability (£2m+) | ||||||
| Loss of rent | ||||||
| Rent guarantee | ||||||
| Legal expenses | ||||||
| Malicious damage by tenant | ||||||
| Accidental damage by guest | ||||||
| Employers' liability (£10m) | ||||||
| Unoccupied / void cover |
✓ = Recommended or essential. Holiday lets and Airbnbs need specific FHL/short-let policies — standard landlord cover usually excludes them.
Employers' Liability (£10m) is a legal requirement if you employ anyone (including HMO cleaners or maintenance staff on PAYE).
Always declare HMO/short-let usage to the insurer — non-disclosure invalidates the policy.