Compare Total Landlord Insurance

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Total Landlord Insurance was established in 1996 as an insurance broker specialising in medical indemnity and property insurance. They've won the Insurance Choice Awards under the Best Landlord Insurance Provider category for five consecutive years (2017, 2018, 2019, 2020, and 2022), amongst others. Of the 1,256 reviews made about the company's service on TrustPilot, 84% rated them five stars.

Total Landlord Insurance safeguards you from financial losses related to property rental. It also offers protection against potential risks linked to owning a buy-to-let property. This includes coverage for situations like tenant injuries or losses resulting from structural faults within the building. 

What does the Total Landlord Insurance Policy cover?

The insurance policy of Total Landlord is divided into two segments, namely:

1. Essential

This is the basic landlord insurance policy that covers the essentials for your property. These essentials include building, contents, loss of rent or alternative accommodation, property owners’ liability, and excesses.

However, if you're on the essential landlord insurance policy, you don't have complete access to every coverage. For instance, on this policy, property owners’ liability is only £2,000,000, while that of the premier policy is £5,000,000. This policy cover is available from £139.

2. Premier

Individuals on the premier landlord insurance policy have access to more coverage than those on the essential policy. For example, in this policy, you have an excess cover up to £1,000 (£25,000 per claim) for malicious damage by tenants or guests to which those on the essential policy don't have access

The premier landlord insurance policy is the firm's most comprehensive coverage and is responsible for most of the awards they've won. Like the essential policy, it also has a starting price of £139. 

What types of landlord insurance are available?

Total Landlord Insurance offers different types of landlord insurance. Here’s how to know which one is for you:

  • The private landlord insurance is for you if you're the sole controller of a residential rental property under a tenancy agreement.
  • The portfolio landlord insurance is for you if you have multiple properties. It covers you from financial losses related to your rental properties and also protects the buildings and associated risks like tenant injuries or losses due to building faults.
  • The "house in multiple occupation" (HMO)  landlord insurance is tailored for landlords renting out HMOs to multiple tenants. It addresses unique HMO risks and requirements, covering various property types and numerous units under one policy. This insurance safeguards against financial losses, including building-related risks.
  • The expat landlord insurance safeguards UK property owners living abroad from financial losses tied to their rental property, covering the building and associated risks. Standard home insurance may not suffice for non-resident landlords. However, the expat landlord insurance caters to their unique needs, ensuring protection even from afar.
  • The commercial landlord property insurance is available for various property types, including shops, offices, blocks of flats, etc. The firm has a panel of major insurers that ensures tailored coverage for your commercial building investment.

What Affiliations does Total Landlord Insurance have?

Total Landlord Insurance is a trading name of the Hamilton Fraser Insurance Solutions Group (HFIS)regulated and authorised by the Financial Conduct Authority. The group is registered in England and has a range of products that covers the whole lifecycle of a tenancy. These products include the tenancy deposit protection scheme, Ome, mydeposits, the Property Redress Scheme, Client Money Protect, deposit replacement, and housing law specialist Landlord Action. In 2022, the HFIS group was acquired by Global Risk Partners, now a subsidiary of Brown & Brown, the sixth-largest independent insurance broker.

How to contact Total Landlord Insurance

Total Landlord Insurance Contact Numbers

Customer Services 0800 634 3880
Email enquiries@totallandlordinsurance.co.uk
Contact form https://www.totallandlordinsurance.co.uk/contact
Physical Address 1st Floor, Premiere House, Elstree Way, Borehamwood, Hertfordshire WD6 1JH, GB

Compare Landlord Insurance and Buy To Let Insurance providers

If you are in the market for Buy to let or Landlord insurance, finding a good deal starts by comparing the available deals on the market.  Some providers on your list should include Tesco landlord insurance, Aro Landlord Insurance, Simply Business Landlord insurance and CIA Landlord insurance

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MultiQuoteTime Ltd Does not recommend any insurance Companies. It is important that the property owner satisfies themselves that they are getting the cover they need for their own personal circumstances – undervaluation may affect the settlement in the event of claims. Services offered by this provider may change over time. Always check Ts&Cs.

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