Landlord Insurance

Landlord insurance is a combination of different covers designed to protect a landlord. It is sometimes also known as buy-to-let insurance. Landlord insurance is important for anyone renting out their property. Even with the best tenants, things can still go wrong and landlord insurance is there to protect you. Protect yourself with optional adds-on including loss of rental income, which protects you should a property become uninhabitable due to damage.

Get Quote

Policy benefits

Buildings insurance

Covers the cost of repairing or rebuilding your property if it’s accidentally damaged or destroyed

Cables and underground pipes cover

We’ll pay you for the costs incurred following damage to pipes or cables, including essential utilities such as electricity, gas and water

Subsidence, ground heave and landslip cover

Land shifts under your property can cause considerable structural damage, but with this cover (which is a requirement of some mortgages), we’ve got you covered

Types of property insurance 

Accidental damage cover

Protects your property's structure, floors and fittings, so it’ll not only protect you if your tenant accidentally spills wine on your carpet, but also against things like water entering into your property if your roof leaks unexpectedly.

get quote

Loss of rental income

If your property can't be lived in as a result of fire, flooding or major damage, you may be able to claim back loss of rent. It does not offer protection if your tenants don't pay your rent.

get quote

Contents cover

Get up to AED75,000 contents cover to protect any furnishings and appliances that belong to you – like, beds, televisions and white goods.Get up to AED75,000 contents cover to protect any furnishings and appliances that belong to you – like, beds, televisions and white goods.

get quote

With SHOROQ SHOROQ PROJECT MANAGEMENT SERVICES you get..

  • Cables and underground pipes cover – we’ll pay you for the costs incurred following damage to pipes or cables, including essential utilities such as electricity, gas and water
  • Subsidence, ground heave and landslip cover – land shifts under your property can cause considerable structural damage, but with this cover (which is a requirement of some mortgages), we’ve got you covered
  • Cover to re-house your tenants in alternative accommodation – if your property can’t be accessed or lived in due to damage, and your tenants don’t already have this cover under their own insurance, we’ll look to re-house them in the event of a valid claim

Frequently asked questions

Landlord insurance should always include buildings insurance, which covers damage to the structure and the cost of any repairs that may come about. Contents cover is another important part of any policy. This protects against the cost of replacing any fixtures or fittings that may be damaged during the tenancy. Other things potentially covered by landlord insurance could be liability protection in the event that a visitor to the property is injured.
If you let your property to tenants (whether you’re a buy-to-let landlord or an accidental landlord renting out a house you can’t afford to sell) you may need more than just home insurance.
Generally, the cost of a policy depends on whether you are insuring a house or a flat and whether it is furnished. If you rent your property to students you may have higher charges, or not receive cover by certain landlord policies at all, than if you rent to a professional couple or a family. Choose a policy which you can tailor to your needs with a range of optional extras and you can save money in the long term.