Updated - 2025/26 rates

Landlord insurance cost estimator UK 2025/26

Landlord insurance premiums vary based on property type, location, cover level, claims history, and the insurer. This estimator gives you a budgeting range based on industry-typical
rates for England. Always obtain actual quotes before purchasing.

LANDLORD INSURANCE CALCULATOR · 2025/26

Landlord insurance cost estimator UK

Estimate annual landlord insurance costs based on property type, tenant profile, rebuild value, location risk, and optional cover such as rent guarantee or legal expenses.

House icon

Inputs

Enter your property details

Optional cover Additional protections can increase premiums.

Estimates reflect indicative UK landlord insurance ranges only. Actual quotes vary by insurer and underwriting criteria.

Output

Estimated insurance cost

ESTIMATED ANNUAL PREMIUM £0 £0 per month equivalent
Standard landlord policy
Property type —
Tenant profile —
Risk category —
Estimated base premium £0
Optional cover additions £0
Portfolio adjustment £0
Estimated annual premium £0
Insurance pricing varies significantly between providers. Flood risk, claim history, property age, occupancy, and local crime rates can materially affect premiums. Always obtain regulated insurance quotations before purchase.
Get a quote from an Insurance Broker

Planning estimate

Unbiased calculation based on HMRC rules

Update to date

Reflects 2025/26 rates and April 2025 changes

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Your data stays in your browser. Nothing is stored.

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Plain English explanations you can trust

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This calculator provides a planning estimate only and is not tax, mortgage, legal, insurance, or investment advice. SDLT applies to England and Northern Ireland; Scotland and Wales have different property transaction taxes. Check current rules and speak to a regulated adviser before acting.

Frequently asked questions

What does landlord insurance cover that a standard home insurance policy doesn't?
Why is HMO insurance more expensive?
Is landlord insurance tax deductible?
Do I need to tell my insurer when a property is empty?
Does landlord insurance cover loss of rent?
Does private residence relief apply to a property I used to live in?

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Disclaimer: This calculator provides an estimate based on publicly available UK tax rates and industry data current to 2025/26. It does not constitute tax, legal, or financial advice. Your actual figures may differ depending on your specific circumstances. Always confirm your position with a qualified solicitor, accountant, or financial adviser before making any property or financial decision.
@ 2026 LandlordCalcs · Rates updated 2025/26 · Not financial advice
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