Landlord insurance in the UK can cover risks that standard home insurance may exclude, including damage to the building, landlord-owned contents, loss of rent and property owners’ liability. Some policies also offer legal expenses, rent guarantee, accidental damage and cover for unoccupied periods, but these features and exclusions vary between providers. Landlord insurance is not generally a legal requirement, although a mortgage lender may require buildings insurance and suitable cover for letting the property. Check the policy wording carefully and compare FCA-authorised providers, particularly if the property is a house in multiple occupation or used for short-term lets.