Landlord’s Buildings Insurance

Real Estate Insurance solutions for property owners

On behalf of The Guild of Residential Landlords Ltd, Gallagher sources a price that reflects the needs of property owners. 

We can provide cover for most types of property, with tenants accepted as standard, as well as offering:

  • Cover provided for malicious damage caused by tenants.
  • Loss of rent included as standard at no additional cost (up to £25,000 over a 12-month indemnity period)
  • Alternative residential accommodation
  • Property owners liability – limit of indemnity £ 5 million
  • Up to 90 days unoccupancy
  • Clearance of drains
  • Fly tipping (£2,000 any one event)
  • Investigation expenses (£5,000 any one event)
  • Locks and keys (£2,000 any one event)
  • Loss of metered utility supply (£10,000 any one event)
  • Preservation of undamaged property
  • Damage caused by falling trees
  • Trace and access (£10,000 any one event)
  • Unauthorised use of public utilities (£10,000 any one event)


  • Subsidence and Malicious Damage Caused by tenants – £1000
  • Storm and Flood – £500
  • Escape of Water  and/or Oil – £500
  • Fire, Lightning, Explosion, Aircraft – NIL
  • Any other damage – £250

A minimum premium of £250 applies. Policy limits and exclusions may apply; please see policy wording for full terms and conditions.

Contact: For further information, please get in touch with the real estate property solutions team.

Adam Taylor

T: 01384 862633

Ben Bennet
T: 01384 500283

Custom House
The Waterfront
Level Street
Brierley Hill
West Midlands

The Guild of Residential Landlords is an introducer-appointed representative of Arthur J. Gallagher Insurance Brokers Limited, authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55 Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909. FP222-2023. Exp. 20.2/2024.