In the UK, landlord insurance is not usually a legal requirement, but your mortgage lender may require suitable cover as a condition of the loan. Without it, you could have to pay for damage, legal expenses, liability claims or lost rent yourself, depending on the circumstances. A standard home insurance policy may exclude properties that are rented out, so check its terms carefully before letting. Compare landlord insurance quotes and confirm the policy meets your lender’s requirements; an FCA-authorised insurer or broker can explain the available cover.