Excellent 4.7 out of 5
Call us on 0800 121 8748 Mon to Fri, 9am - 5pm
Hero image

Property Letting Insurance

Protecting property auditors from under £55* per year

Not on comparison sites — save money by coming direct to us

Get a Quote
Excellent 4.7 out of 5

Professional Saver Property Letting Insurance


Our standard cover is:

  • £1 million cover for public and products liability (with an option to increase to £2 million, £5 million or £10 million)
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

As a property letting agent or individual landlord, specialist insurance is essential to protect your property in today’s complex legal landscape. Our property letting insurance packages provide coverage to landlords against any injuries or incidents affecting third parties in your properties.

Starting from less than £55* per year, our liability policies give you complete peace of mind that your insurer will handle any claims.

Get a Quote Learn about Public Liability

Why choose Professional Saver property letting insurance?

Save £££ on your insurance Save on your insurance

Customers are always telling us how much they saved by switching

Trusted for over 40 years Trusted for over 40 years

We’ve been providing insurance to businesses since 1984

Financial Strength Financial Strength

Insurance provided by a Standard & Poor’s ‘AA- Stable’ rated insurer

Defaqto 5 Star rated

Our Professional Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.

Learn more about our Optional Covers

* Due to the specialist nature of your profession, we’ll arrange a separate policy for your professional indemnity cover to complement your Professional Saver policy. Please get a quote online for the other covers you need and contact us to discuss your personalised professional indemnity quotation.

How our property letting insurance works

1 Apply online

Complete our simple quote form with basic details about your business.

2 Get a quote

Get an instant quote & choose any optional covers you may need.

3 You’re insured!

Instantly activate your Professional Saver policy and view your certificates online.

Get a Quote

What is Property Letting Insurance?

Property letting insurance protects landlords and letting agents against risks associated with managing rental properties. It covers possible claims due to damage, negligence or accidents in your properties that affect tenants or third parties. Key covers include public liability and legal expenses. Professional indemnity can be added as an option if requried.

This insurance is vital for residential and commercial landlords as it protects your rental income stream from disruption. It also covers any substantial pay-outs if tenants or third parties pursue legal claims and compensation related to the property.

Get a Quote

Why Do Property Letting Agents & Landlords Need Insurance?

Letting agents arrange tenancy contracts between landlords and tenants. Without adequate insurance, agents risk substantial payouts. Landlords equally rely on rigorous protection as rental income can disappear fast with voids and repairs. Key scenarios requiring insurance include:

  • Incorrect tenant referencing checks lead to a delinquent tenant, which costs the landlord legal fees and property damage.
  • Failure to keep properties legally compliant, causing rental licence suspension.
  • Mishandling of rental deposits that lead to disputes and compensation claims.
  • Failure to make health and safety checks, causing tenant injuries.

Comprehensive property letting insurance covers all these scenarios, protecting your business from expensive claims whilst keeping landlords happy.

Get a Quote

What Does Property Letting Insurance Cover?

Our property letting insurance protects against:

  • Public liability – Shields you financially if a third party, like a visiting repair person, gets injured or their property is damaged on your rental property.
  • Legal expenses – Offers access to specialist legal assistance in case of tenant disputes, helping you navigate legal complexities and resolve issues effectively.

Additional Covers For Property Letting

We offer a range of optional separate covers to complement our core protections:

  • Contents and Business Equipment Insurance – This policy pays to replace or repair items that got damaged, lost or stolen while you work.
  • Professional Indemnity – Protects you against financial claims for errors or omissions made while carrying out your property letting duties. This covers situations where mistakes in your property management lead to financial losses for the property owner.
  • Cover for Temporary Staff – This insurance provides the same coverage for any freelancers or contractors you hire under your business name, ensuring your company is fully protected.

 

We aim to cater for risks across your entire business. Get your quote today by simply filling out our easy online form.

Get a Quote

What Services Can Professional Saver Cover?

We cover all residential and commercial property letting and management services:

  • Tenant referencing and background checks
  • Property advertising and arranging tenancy contracts
  • Collecting rents and deposit negotiations
  • Inventories, check-ins and checkouts
  • Visits for inspections and maintenance
  • Cleaning, gardening, handyperson and security services
  • Administering deposits and resolving disputes
  • Handling evictions and dealing with tenant problems

We have experience handling policies across diverse portfolios—from HMOs to luxury lets, city centre flats, rural estates, leased commercial units and vacation rentals. Get your online quote today!

Get a Quote

Why Choose Professional Saver For Your Insurance?

With over 35 years of experience Professional Saver offers superior protection:

  • Direct Specialists – We’re not a comparison website. Get your quote directly from us.
  • 24/7 Legal Helpline – Our experts are on hand whenever you need rental property advice.
  • Monthly Instalments – You can spread your insurance costs by making monthly instalments if your premiums exceed £125.

We make it simple to protect your most important asset—your rental income stream. Get an instant quote online today.

Get a Quote

Chosen by over 5000 businesses and counting*

Chosen by over 18761 businesses and counting

Online & Anywhere

We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

Monthly Instalments

Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

Instant Cover

No need to wait for your documents. Our professional cover starts from the date you select.

Added Protection

Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/10/2025

FAQs

Property Letting Insurance FAQs

Letting agents and landlords require extensive insurance because:

  • They have legal duties under housing and health and safety legislation to keep tenants safe. Breaching these can lead to substantial fines or compensation claims from injured parties.
  • They risk significant loss of rental income if properties suffer insured damage like floods, need emergency repairs or tenants refuse to pay rent.
  • They handle large sums of rental deposits needing protection. Mishandling these can lead to disputes and legal action.

Insurance covers all these major risks that can disrupt vital rental income streams and large pay-outs to injured parties.

We aim to make policy purchases easy by minimising paperwork. To generate fast quotes, we need brief details like:

  • Your name and contact information
  • If you operate as a limited company or sole trader
  • The number of rental properties you manage
  • Total number of tenancy contracts arranged annually

Instant cover can be set up once quotes are accepted without needing extensive evidence upfront.

Yes absolutely. We cater to all property letting scenarios, whether residential, commercial or holiday. We cover everything from room rentals to entire luxury properties aimed at holidaymakers. 

Who We Cover

A Few Professions We Cover

Consultants’ Insurance
Consultants’ Insurance From only£55per year

Consultants’ Insurance

Insurance for business consultants, starting from less than £55* per year
Advisors’ Insurance
Advisors’ Insurance From only£55per year

Advisors’ Insurance

Insurance for advisors, starting from less than £55* per year
Adjudicator’s Insurance
Adjudicator’s Insurance From only£55per year

Adjudicator’s Insurance

Protecting claims adjudicators with public liability insurance, starting from less than £55* per year
Coaching Insurance
Coaching Insurance From only£55per year

Coaching Insurance

Protecting coaching professionals from less than £55* per year
Design Insurance
Design Insurance From only£55per year

Design Insurance

Insurance for designers, starting at less than £55* per year
Freelance Insurance
Freelance Insurance From only£55per year

Freelance Insurance

Insurance for freelancers, starting from less than £55* per year
Self-Employed Insurance
Self-Employed Insurance From only£55per year

Self-Employed Insurance

Insurance for the self-employed, starting from less than £55* per year

What our customers say

Join 18,761+ businesses

Get a Quote
You need to be logged in to Your Account to make a payment. Redirecting you to Account Login.