Landlord insurance in London may include buildings cover, property owners’ liability, loss of rent, legal expenses and landlords’ contents, but the available options vary between providers. Check that the policy accepts your property type and letting arrangement, including flats, HMOs, furnished lets, short-term lets and periods when the property is unoccupied. Tell the insurer about relevant risks, such as renovations, previous claims or a local flood risk, and read exclusions, excesses and security requirements carefully. If you own a leasehold flat, check which parts of the building you are responsible for insuring. Compare quotes from FCA-authorised providers and consider advice from a regulated insurance professional if your circumstances are complex.