Landlord insurance is not usually a legal requirement in the UK, but your mortgage lender or lease may require suitable buildings cover. Without it, you could be responsible for paying yourself for repairs after events such as fire, flooding or malicious damage, and for certain claims if a tenant or visitor is injured. A standard home insurance policy may not cover a property that is rented out, so check the policy terms carefully. An FCA-authorised insurer can explain suitable cover, while a solicitor can advise on any mortgage or lease obligations.