Landlord Insurance – Protecting Your Property Investment in Swindon and Nationwide
If you own a rental property, a standard home insurance policy won’t cover you. Whether you’re a first-time landlord or have a growing property portfolio, landlord insurance is essential for protecting your investment and your rental income.
At Mather & Murray Financial, our advisers in Swindon and across the UK help landlords find the right cover to suit their needs and budget.
What is Landlord Insurance?
Landlord insurance is designed specifically for properties that are let out to tenants. It protects you from financial risks that go beyond what’s covered by traditional home insurance – including tenant damage, legal disputes, and loss of rental income.
It’s a vital safety net that helps you manage the unexpected and protect your income stream.
What Does Landlord Insurance Typically Cover?
Each policy can be tailored, but most will include:
Buildings Insurance
Covers the structure of your property – including walls, roof, windows and fixtures – against damage caused by fire, flooding, storms, and vandalism.
Contents Insurance (Optional)
If your rental is furnished, contents insurance can cover items such as furniture, white goods, curtains and carpets.
Property Owners’ Liability
Protects you if a tenant or visitor is injured on your property and you’re found legally responsible.
Loss of Rent or Alternative Accommodation
If your property becomes uninhabitable due to an insured event, landlord insurance can cover lost rent or pay for your tenants to live elsewhere temporarily.
Accidental or Malicious Damage by Tenants
Covers damage caused beyond normal wear and tear, helping to get the property back in shape quickly.
Legal Expenses Cover (Optional)
Provides support with issues such as eviction proceedings, recovering unpaid rent, or handling disputes with tenants.
Why Choose Mather & Murray Financial for Landlord Insurance?
Independent advice: We compare policies across the market to find you the most competitive cover.
Tailored policies: We work with landlords of all types – from single-property owners to large-scale investors.
Local expertise: Our Swindon-based team understands the property market and the challenges landlords face.
Nationwide support: We have advisers across the UK and offer appointments in person or remotely.
Do I Need Landlord Insurance?
If you let out a property, landlord insurance is not a legal requirement, but it is strongly recommended – and often required by mortgage lenders. This includes:
Buy-to-let properties
Flats or apartment blocks
HMOs (Houses in Multiple Occupation)
Holiday lets and short-term rentals
Student accommodation
Without it, you may be exposed to significant financial risks that standard home insurance won’t cover.
How Much Does Landlord Insurance Cost?
Premiums vary depending on:
Location and type of property
Level of cover
Tenant type (e.g. professionals, students, DSS)
Claims history
As independent financial advisers, we’ll help you choose the right level of protection without paying more than you need to.
Get Advice from a Local Specialist
Whether you're based in Swindon or anywhere else in the UK, we can help you protect your property investment with the right insurance. Speak to one of our advisers at our Swindon head office, visit a local branch, or arrange a home or virtual appointment at a time that suits you.
Get in touch today for a free, no-obligation quote and review of your current cover.
