Is landlord insurance legally required?
Landlord insurance is not required by statute, but a buy-to-let mortgage lender will almost always insist on it, and standard residential home insurance is void once you let the property.
3 min read · Updated 2 August 2026
Overview
Landlord insurance is not required by statute, but a buy-to-let mortgage lender will almost always insist on it, and standard residential home insurance is void once you let the property. Property owners' liability cover is the part that matters most.
Practical guidance
- Tell your insurer the property is let, and the tenant type, or the policy may not respond.
- Check liability limits — many councils and lenders expect at least £2 million.
- Review cover when a property becomes an HMO or is left vacant for an extended period.
Related content
General information for UK landlords and letting agents, not legal advice. Rules differ across England, Wales, Scotland and Northern Ireland — check your local requirements or take advice before acting.