Landlord Insurance - cover for residential or commercial let properties

Cover for individuals and businesses renting out residential properties such as houses or flats or commercial properties such as warehouses, shops, or offices.


Landlord Insurance

NatWest Landlord insurance is designed specifically for people who rent out a property. It is different to normal household insurance as it provides additional cover that you require as a landlord – for example,  loss of rent cover .

In the event of a claim, we'll allocate a dedicated claims handler to look after your claim from start to finish. 

Our flexible cover allows you to add properties to an existing policy at any time, giving you one simple renewal date and a discount for insuring more than one property with us. Find out more about our  multi-property landlord insurance  here.

If it's Commercial Landlord insurance that you're after, you'll find that here

What does landlord insurance cover?

Our DeFaqto rated Landlord Insurance provides a high level of cover as standard, including public and property owners liability cover up to £2m. You can also choose from a wide range of extras, opting for the policy that best fits your individual circumstances.

We've increased our Legal Expenses cover from £100,000 to £250,000, and now includes Employment Disputes and Compensation Awards, Personal Injury, Debt Recovery, Tenancy Disputes, Tax Protection, Dilapidations and Maintenance, Statutory Licence Appeal, and Repossessions (including hotel expenses and storage costs as standard). 

Take a look at what's included here:

What we cover


  • Buildings insurance cover (either buildings or contents is standard - not both.)
  • Public Liability and Property Owners Liability cover up to £2m in case a claim is made against you
  • Breakdown cover on your Boiler when buildings insured (excluding damage arising from wear and tear)
  • New-for-old contents cover (Contents only cover available for leasehold properties)
  • We'll pay to re-house your tenants following an insured event such as a flood or fire. (Subject to policy limits)
  • Access to our free 24/7 legal helpline
  • Malicious Damage cover

Optional extras

  • Option to increase Public Liability and Property Owners Liability cover up to £5m
  • Accidental damage for Buildings and/or Contents when you've insured them
  • We'll pay for Loss of rent if your property becomes uninhabitable following an insured event such as a fire or flood
  • Legal expenses cover up to £250,000
  • Subsidence cover

Find out more about how  landlord buildings insurance  and  contents insurance  work.

For full details on our Residential Landlord Insurance please read the Landlord Policy Document

Do I need landlord insurance?

If you rent out a residential or commercial property, a standard home insurance policy is highly unlikely to cover you. Rather than receive a nasty shock in the event if you have to make a claim, take out a policy that provides the cover you need to protect your property investment.

Get a landlord insurance quote

Give us a call on 0800 051 4199 (Mon - Fri 9am - 7pm) to discuss your requirements with our specialists or get a  landlord insurance quote online .


Why insure with NatWest?

As a business bank, we work closely with a wide range of businesses. This helps us understand how you work and the challenges you face. So you can be sure we'll take the time to get to know your business, and try to provide the right level of cover.

Manage your policy

Policy documents

Retrieve a quote

Other Cover Available

Buildings Insurance

Contents Insurance

Buy To Let Insurance

Multi-Property Insurance

Commercial Landlord Insurance

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* Please note, if you select a Bank Holiday, we will call you on our next working day.
Our operating hours are 09:00 to 19:00 Monday to Friday, excluding bank holidays.

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