Landlord insurance commonly covers risks such as damage to the building, property owners’ liability and, depending on the policy, loss of rent, alternative accommodation and landlord-owned contents. You can often add options such as accidental damage, legal expenses or rent guarantee cover, subject to the policy’s terms and exclusions. Landlord insurance is not generally a legal requirement in the UK, but a mortgage lender may insist on suitable cover. Compare policy documents carefully and check details with an FCA-authorised provider before choosing a policy.