Landlord insurance costs vary widely, but a basic policy may often be available for around £100–£300 a year, while broader cover can cost more. The price depends on factors such as the property’s location and rebuild value, the number of properties, tenant type, claims history, and whether you add options such as rent guarantee, legal expenses or accidental damage cover. Higher excesses may reduce a quote but could leave you paying more if you claim. Compare like-for-like quotes from FCA-authorised providers and check exactly what is excluded before choosing a policy.