Landlord insurance is designed for rented properties and may cover buildings, landlord-owned contents, property damage and liability claims, depending on the policy. Optional features can include loss of rent, alternative accommodation and rent guarantee cover, but these usually have specific conditions and exclusions. Tenants’ personal belongings are generally their responsibility, so they may need their own contents insurance. Tell the insurer about the property’s use, tenancy type and occupancy, and check the policy wording carefully; an FCA-authorised provider can explain available options and exclusions.