Protect What Matters: Comprehensive Property Insurance UK

Do I need home insurance?

While home insurance isn't mandatory by law, it is highly advisable if you own the property structure or the contents inside it. Furthermore, most mortgage lenders will require you to secure adequate buildings insurance as a condition of your loan agreement when purchasing a house.

I'm a homeowner

As the owner of the property (the freeholder), you'll have to pay for all repairs to the building and replace the contents yourself if they get damaged and you haven't bought an insurance policy.

I'm a renter

If you rent a place—like a flat or a shared house—Tenants Insurance (or Renters Insurance) is what pays to replace your own things (like your clothes, electronics, and furniture) if they're damaged or stolen.

I'm a landlord renting my property

Landlord Insurance covers everything that buildings does, but it also covers matters like loss of rent if your property becomes uninhabitable due to damage or an accident.